profit from every $100 of sales.
$0$100
PennyMac Financial Services
$60.61-0.20% today
-52.3% in 1 year
1-year low $57.751-year high $159.46
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $6.28 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What PennyMac Financial Services sold, what it kept, and what it did with the cash.
Sales went from $2.32 billion in 2022 to $4.42 billion in 2025, with $501 million of profit last year.
SalesProfit
PennyMac Financial Services vs. similar companies
PennyMac Financial Services grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| PennyMac Financial Services | 6.3× · Cheap | ||
 Rocket Companies | No profit yet | ||
 LIC Housing Finance | 5.7× · Cheap | ||
 PNB Housing Finance | 12.7× · Cheap | ||
 UWM | 89.8× · Very expensive |
AI analysis
An AI analyst reads PennyMac Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 2,321 | 2,645 | 2,846 | 4,420 | |
| 1,307 | 1,445 | 1,369 | 2,619 | |
| 689 | 346 | 403 | 551 | |
| 739 | 416 | 472 | 621 | |
| 476 | 145 | 311 | 501 | |
| 8.50 | 2.74 | 5.84 | 9.30 | |
| 56.3% | 54.7% | 48.1% | 59.3% | |
| 29.7% | 13.1% | 14.1% | 12.5% | |
| 20.5% | 5.5% | 10.9% | 11.3% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 16,823 | 18,845 | 26,087 | 29,389 |
| Cash | 1,329 | 938 | 238 | 302 |
| Total debt | 11,716 | 13,495 | 20,554 | 23,060 |
| Total liabilities | 13,352 | 15,306 | 22,257 | 25,080 |
| 3,471 | 3,539 | 3,830 | 4,309 | |
| 56 | 53 | 53 | 54 | |
| 3.6% | 1.6% | 1.3% | 1.6% | |
| 13.7% | 4.1% | 8.1% | 11.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 6,033 | -1,582 | -4,533 | -1,652 | |
| 83 | 36 | 22 | 51 | |
| 5,950 | -1,618 | -4,555 | -1,703 | |
| Dividends paid | 55 | 41 | 52 | 63 |
| 406 | 71 | 0 | 5 | |
| 43 | 28 | 21 | 36 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.3×
- 4.9×
- 2.06
- 0.7×
- 0.7×
- 15.9%
- 1.4%
Profitability
- 11.3%
- 1.6%
- 2.1%
- 12.0%
- 1.6%
Growth
- +23.9%
- +3.0%
- +17.3%
- −1.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 754
Bottom 30%of 605
Top 11%of 883
Top 22%of 880
Bottom 1%of 929
What analysts expect
- Average price target
- $143.00
- Range
- $110.00 – $160.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 5, 2026 | 2.19 | 2.22 | −1.4% |
| Jan 29, 2026 | 1.97 | 3.23 | −39.0% |
| Oct 21, 2025 | 3.37 | 2.70 | +24.8% |
| Jul 22, 2025 | 1.02 | 3.01 | −66.1% |
| Apr 22, 2025 | 1.42 | 2.99 | −52.5% |
| Jan 30, 2025 | 2.88 | 3.09 | −6.8% |
| Oct 22, 2024 | 3.49 | 2.92 | +19.5% |
| Jul 23, 2024 | 2.67 | 2.65 | +0.8% |
1.4%of the share price, paid each year
On $1,000 invested$14a year at today's yield, before tax
+17.3%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.40 in 2018 → $1.20 in 2025
How safe it looks
12.5% of its profit
Room to growStretchedMore than it earns: -4.4%
News
PennyMac outlines $160M annualized expense cuts as it expects Q4 2026 adjusted ROE to remain near current levelsSeeking Alpha · Oct 30, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
31No pass
Benjamin Graham
75Pass
Philip Fisher
50No pass
Peter Lynch
37No pass
Joel Greenblatt
20No pass
Charlie Munger
34No pass
Terry Smith
27No pass
Questions about PennyMac Financial Services
Is PennyMac Financial Services a good stock to buy?
A solid business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the PennyMac Financial Services AI analysis
What does PennyMac Financial Services do?
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. It is in Mortgage Finance, based in Westlake Village, CA, United States, with 5,650 employees.
Does PennyMac Financial Services pay a dividend?
Yes. At today's price the dividend is 1.4% a year, about 12% of its yearly profit. In 2025 it paid out $62.6 million in dividends.
Is PennyMac Financial Services stock halal?
No. PennyMac Financial Services does not pass our halal screen: its main business, an impermissible business, is not permitted. How we check
How has PennyMac Financial Services stock done over the past year?
Down 52.3% over the past twelve months, to $60.61. It traded between $57.75 and $159.46 and is 62.0% below its high.
Who are PennyMac Financial Services's competitors?
The largest listed companies in the same industry are Rocket Companies, LIC Housing Finance, PNB Housing Finance and UWM. The peers table on this page compares their profit, growth and price with PennyMac Financial Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.