Symbols / PFSI
PFSI Chart
About
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. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Mortgage Finance | Market Cap | 4.50B |
| Enterprise Value | 27.16B | Income | 501.08M | Sales | 3.46B |
| Book/sh | 82.77 | Cash/sh | 9.38 | Dividend Yield | 139.00% |
| Payout | 12.90% | Employees | 5241 | IPO | — |
| P/E | 9.27 | Forward P/E | 5.49 | PEG | — |
| P/S | 1.30 | P/B | 1.04 | P/C | — |
| EV/EBITDA | — | EV/Sales | 7.84 | Quick Ratio | 0.46 |
| Current Ratio | 1.04 | Debt/Eq | 537.23 | LT Debt/Eq | — |
| EPS (ttm) | 9.30 | EPS next Y | 15.70 | EPS Growth | 0.60% |
| Revenue Growth | 5.11% | Earnings | 2026-04-21 | ROA | 1.81% |
| ROE | 12.31% | ROIC | — | Gross Margin | 89.18% |
| Oper. Margin | 15.73% | Profit Margin | 14.47% | Shs Outstand | 52.17M |
| Shs Float | 27.60M | Short Float | 6.71% | Short Ratio | 1.66 |
| Short Interest | — | 52W High | 160.36 | 52W Low | 84.67 |
| Beta | 1.54 | Avg Volume | 795.69K | Volume | 1.11M |
| Target Price | $136.14 | Recom | Buy | Prev Close | $88.53 |
| Price | $86.20 | Change | -2.63% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$136.14
Mean price target
2. Current target
$86.20
Latest analyst target
3. DCF / Fair value
$139.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$86.20
Low
$115.00
High
$150.00
Mean
$136.14
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-02 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $115 |
| 2026-01-30 | main | Barclays | Overweight → Overweight | $136 |
| 2026-01-30 | main | Piper Sandler | Overweight → Overweight | $137 |
| 2026-01-30 | main | Wells Fargo | Overweight → Overweight | $135 |
| 2026-01-15 | main | Piper Sandler | Overweight → Overweight | $168 |
| 2026-01-06 | main | Barclays | Overweight → Overweight | $158 |
| 2026-01-05 | main | Wells Fargo | Overweight → Overweight | $150 |
| 2025-12-29 | main | BTIG | Buy → Buy | $150 |
| 2025-12-22 | main | Piper Sandler | Overweight → Overweight | $146 |
| 2025-12-19 | init | Jefferies | — → Buy | $160 |
| 2025-12-18 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $143 |
| 2025-10-24 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $138 |
| 2025-10-24 | main | UBS | Neutral → Neutral | $145 |
| 2025-10-22 | main | Barclays | Overweight → Overweight | $139 |
| 2025-10-22 | reit | BTIG | Buy → Buy | $135 |
| 2025-10-22 | main | Piper Sandler | Overweight → Overweight | $140 |
| 2025-10-22 | main | Wells Fargo | Overweight → Overweight | $135 |
| 2025-10-10 | main | UBS | Neutral → Neutral | $135 |
| 2025-10-08 | main | Piper Sandler | Overweight → Overweight | $136 |
| 2025-10-06 | main | Barclays | Overweight → Overweight | $136 |
- Why PFSI stock is favored by pension funds - 2025 Retail Activity & Long-Term Growth Portfolio Plans - Naître et grandir Sat, 07 Mar 2026 12
- PennyMac (NYSE: PFSI) CDO reports tax-withholding disposition of shares - Stock Titan ue, 03 Mar 2026 23
- PennyMac Financial Services, Inc. $PFSI Shares Acquired by American Century Companies Inc. - MarketBeat Fri, 06 Mar 2026 08
- PennyMac Financial Services (NYSE:PFSI) Misses Q4 CY2025 Revenue Estimates, Stock Drops 22.5% - Yahoo Finance hu, 29 Jan 2026 08
- PennyMac (PFSI) chairman Spector sells $1.22 million in stock - Investing.com Fri, 20 Feb 2026 08
- PennyMac Financial Services Named Top Dividend Stock With Insider Buying and 1.30% Yield (PFSI) - Nasdaq ue, 17 Feb 2026 08
- PennyMac (PFSI): Quiet Surge Stock The Housing Bears Missed - AD HOC NEWS Sat, 21 Feb 2026 08
- Rosen Law Firm Encourages PennyMac Financial Services, Inc. Investors to Inquire About Securities Class Action Investigation - PFSI - Sahm Wed, 04 Mar 2026 08
- Insider Purchase: Director at $PFSI Buys 2,250 Shares - Quiver Quantitative Fri, 13 Feb 2026 08
- PennyMac (PFSI) insider sale of 1,903 shares; RSUs vest 616 and 450 - Stock Titan ue, 03 Mar 2026 21
- Picton Mahoney Asset Management Boosts Stake in PennyMac Financial Services, Inc. $PFSI - MarketBeat Fri, 06 Mar 2026 11
- A Look At PennyMac Financial Services (PFSI) Valuation After Recent Share Price Weakness - Yahoo Finance Sun, 15 Feb 2026 08
- PennyMac Financial Services (NYSE:PFSI) Hits New 52-Week Low - Time to Sell? - MarketBeat Fri, 06 Mar 2026 16
- PennyMac Financial Services (PFSI) Stock Trades Down, Here Is Why - Yahoo Finance ue, 28 Oct 2025 07
- 2 million home loans shift as PennyMac takes over Cenlar business - Stock Titan Wed, 11 Feb 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 1066 | 93446.0 | — | Sale at price 87.66 per share. | STARK DEREK | Officer | — | 2026-03-03 00:00:00 | D |
| 1 | 1903 | 174124.0 | — | Sale at price 91.50 per share. | STARK DEREK | Officer | — | 2026-02-25 00:00:00 | D |
| 2 | 13699 | nan | — | — | SPECTOR DAVID ALAN | Chief Executive Officer | — | 2026-02-20 00:00:00 | D |
| 3 | 304 | nan | — | — | HENDRY GREGORY LYNN | Officer | — | 2026-02-20 00:00:00 | D |
| 4 | 7610 | nan | — | — | JONES DOUGLAS | President | — | 2026-02-20 00:00:00 | D |
| 5 | 3805 | nan | — | — | PEROTTI DANIEL STANLEY | Chief Financial Officer | — | 2026-02-20 00:00:00 | D |
| 6 | 2130 | nan | — | — | STARK DEREK | Officer | — | 2026-02-20 00:00:00 | D |
| 7 | 3424 | nan | — | — | FOLLETTE JAMES | Officer | — | 2026-02-20 00:00:00 | D |
| 8 | 2054 | nan | — | — | TIDMORE ABBIE | Officer | — | 2026-02-20 00:00:00 | D |
| 9 | 12950 | 1223855.0 | — | Sale at price 93.97 - 95.81 per share. | SPECTOR DAVID ALAN | Chief Executive Officer | — | 2026-02-19 00:00:00 | D/I |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | -355.48K | -34.51M | -6.68M |
| TaxRateForCalcs | 0.09 | 0.22 | 0.21 | 0.28 |
| NormalizedEBITDA | 620.77M | 473.87M | 579.19M | 762.38M |
| TotalUnusualItems | 0.00 | -1.59M | -162.77M | -23.45M |
| TotalUnusualItemsExcludingGoodwill | 0.00 | -1.59M | -162.77M | -23.45M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 501.08M | 311.42M | 144.66M | 475.51M |
| ReconciledDepreciation | 69.36M | 69.66M | 70.02M | 50.24M |
| ReconciledCostOfRevenue | 1.80B | 1.48B | 1.20B | 1.01B |
| EBITDA | 620.77M | 472.28M | 416.42M | 738.93M |
| EBIT | 551.42M | 402.62M | 346.40M | 688.69M |
| NormalizedIncome | 501.08M | 312.66M | 272.92M | 492.27M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 501.08M | 311.42M | 144.66M | 475.51M |
| TotalExpenses | 3.87B | 2.44B | 2.30B | 1.63B |
| RentExpenseSupplemental | 35.33M | 32.90M | 36.56M | 40.12M |
| DilutedAverageShares | 53.88M | 53.36M | 52.73M | 55.95M |
| BasicAverageShares | 51.73M | 50.99M | 49.98M | 53.06M |
| DilutedEPS | 9.30 | 5.84 | 2.74 | 8.50 |
| BasicEPS | 9.69 | 6.11 | 2.89 | 8.96 |
| DilutedNIAvailtoComStockholders | 501.08M | 311.42M | 144.66M | 475.51M |
| NetIncomeCommonStockholders | 501.08M | 311.42M | 144.66M | 475.51M |
| NetIncome | 501.08M | 311.42M | 144.66M | 475.51M |
| NetIncomeIncludingNoncontrollingInterests | 501.08M | 311.42M | 144.66M | 475.51M |
| NetIncomeContinuousOperations | 501.08M | 311.42M | 144.66M | 475.51M |
| TaxProvision | 50.34M | 89.60M | 38.98M | 189.74M |
| PretaxIncome | 551.42M | 401.03M | 183.63M | 665.25M |
| OtherIncomeExpense | -1.59M | -162.77M | -23.45M | -152.00K |
| SpecialIncomeCharges | 0.00 | -1.59M | -162.77M | -23.45M |
| OtherSpecialCharges | 1.59M | 162.77M | 4.65M | -4.00K |
| RestructuringAndMergernAcquisition | 890.00K | 7.64M | 18.80M | 156.00K |
| OperatingIncome | 551.42M | 402.62M | 346.40M | 688.69M |
| OperatingExpense | 2.07B | 966.75M | 1.10B | 618.27M |
| OtherOperatingExpenses | 1.63B | 628.83M | 784.90M | 187.46M |
| OtherTaxes | 93.43M | 80.88M | 76.01M | 92.64M |
| SellingGeneralAndAdministration | 343.06M | 257.04M | 238.08M | 338.17M |
| SellingAndMarketingExpense | 46.14M | 21.97M | 17.63M | 46.76M |
| GeneralAndAdministrativeExpense | 296.93M | 235.07M | 220.45M | 291.41M |
| OtherGandA | 37.97M | 37.99M | 60.52M | 73.27M |
| RentAndLandingFees | 35.33M | 32.90M | 36.56M | 40.12M |
| SalariesAndWages | 223.62M | 164.19M | 123.37M | 178.01M |
| GrossProfit | 2.62B | 1.37B | 1.45B | 1.31B |
| CostOfRevenue | 1.80B | 1.48B | 1.20B | 1.01B |
| TotalRevenue | 4.42B | 2.85B | 2.64B | 2.32B |
| OperatingRevenue | 4.40B | 2.82B | 2.63B | 1.95B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| OrdinarySharesNumber | 52.06M | 51.38M | 50.18M | 49.99M |
| ShareIssued | 52.06M | 51.38M | 50.18M | 49.99M |
| NetDebt | 22.76B | 20.32B | 12.56B | 10.39B |
| TotalDebt | 23.06B | 20.55B | 13.49B | 11.72B |
| TangibleBookValue | -5.40B | -5.04B | -3.71B | -2.64B |
| InvestedCapital | 27.37B | 24.38B | 17.03B | 15.19B |
| WorkingCapital | 7.68B | 5.80B | 5.78B | 5.89B |
| NetTangibleAssets | -5.40B | -5.04B | -3.71B | -2.64B |
| CapitalLeaseObligations | 85.55M | 113.49M | ||
| CommonStockEquity | 4.31B | 3.83B | 3.54B | 3.47B |
| TotalCapitalization | 18.57B | 15.70B | 13.27B | 12.19B |
| TotalEquityGrossMinorityInterest | 4.31B | 3.83B | 3.54B | 3.47B |
| StockholdersEquity | 4.31B | 3.83B | 3.54B | 3.47B |
| RetainedEarnings | 4.21B | 3.77B | 3.51B | 3.47B |
| AdditionalPaidInCapital | 96.87M | 56.07M | 24.29M | 0.00 |
| CapitalStock | 5.00K | 5.00K | 5.00K | 5.00K |
| CommonStock | 5.00K | 5.00K | 5.00K | 5.00K |
| TotalLiabilitiesNetMinorityInterest | 25.08B | 22.26B | 15.31B | 13.35B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 14.32B | 11.94B | 9.81B | 8.77B |
| OtherNonCurrentLiabilities | 34.89M | 29.13M | 30.79M | 32.42M |
| DerivativeProductLiabilities | 15.81M | 40.90M | 53.27M | 21.71M |
| LongTermDebtAndCapitalLeaseObligation | 14.27B | 11.87B | 9.73B | 8.71B |
| LongTermCapitalLeaseObligation | 85.55M | 113.49M | ||
| LongTermDebt | 14.27B | 11.87B | 9.73B | 8.71B |
| CurrentLiabilities | 10.76B | 10.32B | 5.49B | 4.58B |
| CurrentDebtAndCapitalLeaseObligation | 8.79B | 8.69B | 3.76B | 3.00B |
| CurrentDebt | 8.79B | 8.69B | 3.76B | 3.00B |
| OtherCurrentBorrowings | 8.79B | 8.69B | 3.76B | 3.00B |
| PayablesAndAccruedExpenses | 1.97B | 1.63B | 1.73B | 1.58B |
| Payables | 1.97B | 1.63B | 1.73B | 1.58B |
| DuetoRelatedPartiesCurrent | 24.76M | 25.90M | 26.10M | 26.10M |
| TotalTaxPayable | 1.18B | 1.13B | 1.04B | 1.00B |
| IncomeTaxPayable | 1.18B | 1.13B | 1.04B | 1.00B |
| AccountsPayable | 760.48M | 476.73M | 658.11M | 552.92M |
| TotalAssets | 29.39B | 26.09B | 18.84B | 16.82B |
| TotalNonCurrentAssets | 10.94B | 9.97B | 7.57B | 6.35B |
| OtherNonCurrentAssets | 930.89M | 926.05M | 59.46M | 33.22M |
| NonCurrentAccountsReceivable | 1.52M | 20.03M | ||
| FinancialAssets | 187.78M | 113.08M | 179.08M | 99.00M |
| InvestmentsAndAdvances | 941.00K | 944.00K | 1.12M | 929.00K |
| LongTermEquityInvestment | 941.00K | 944.00K | 1.12M | 929.00K |
| InvestmentProperties | 37.67M | 14.98M | 14.98M | 11.50M |
| GoodwillAndOtherIntangibleAssets | 9.71B | 8.87B | 7.25B | 6.11B |
| OtherIntangibleAssets | 9.71B | 8.87B | 7.25B | 6.11B |
| NetPPE | 79.55M | 49.49M | 68.94M | 94.25M |
| AccumulatedDepreciation | -78.49M | -71.47M | -63.65M | -54.34M |
| GrossPPE | 158.03M | 120.95M | 132.59M | 148.59M |
| OtherProperties | 61.76M | 36.57M | 49.93M | 65.87M |
| MachineryFurnitureEquipment | 96.28M | 84.38M | 82.67M | 82.72M |
| CurrentAssets | 18.44B | 16.12B | 11.27B | 10.47B |
| RestrictedCash | 418.37M | 304.85M | 151.30M | 68.25M |
| PrepaidAssets | 639.60M | 614.27M | 730.08M | 735.53M |
| Receivables | 16.68B | 14.54B | 9.44B | 8.33B |
| LoansReceivable | 16.53B | 14.37B | 9.31B | 8.21B |
| AccountsReceivable | 141.87M | 164.23M | 132.26M | 116.69M |
| CashCashEquivalentsAndShortTermInvestments | 711.72M | 659.03M | 948.64M | 1.34B |
| OtherShortTermInvestments | 410.04M | 420.55M | 10.27M | 12.19M |
| CashAndCashEquivalents | 301.68M | 238.48M | 938.37M | 1.33B |
| CashFinancial | 301.68M | 238.48M | 938.37M | 1.33B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -1.70B | -4.56B | -1.62B | 5.95B |
| RepurchaseOfCapitalStock | -4.74M | 0.00 | -71.49M | -406.09M |
| RepaymentOfDebt | -27.52B | -23.97B | -23.15B | -19.51B |
| IssuanceOfDebt | 28.69B | 24.85B | 23.99B | 19.96B |
| CapitalExpenditure | -51.20M | -22.10M | -36.17M | -83.09M |
| InterestPaidSupplementalData | 955.70M | 797.21M | 639.49M | 329.98M |
| IncomeTaxPaidSupplementalData | 1.49M | 293.13M | ||
| EndCashPosition | 301.68M | 238.48M | 938.37M | 1.33B |
| BeginningCashPosition | 238.48M | 938.37M | 1.33B | 340.09M |
| ChangesInCash | 63.20M | -699.89M | -390.17M | 988.45M |
| FinancingCashFlow | 1.16B | 5.72B | 1.47B | -4.32B |
| CashFlowFromContinuingFinancingActivities | 1.16B | 5.72B | 1.47B | -4.32B |
| NetOtherFinancingCharges | 41.91M | 4.88B | 722.60M | -4.32B |
| ProceedsFromStockOptionExercised | 12.84M | 20.06M | 17.21M | 2.95M |
| CashDividendsPaid | -62.55M | -52.16M | -41.45M | -54.62M |
| CommonStockDividendPaid | -62.55M | -52.16M | -41.45M | -54.62M |
| NetCommonStockIssuance | -4.74M | 0.00 | -71.49M | -406.09M |
| CommonStockPayments | -4.74M | 0.00 | -71.49M | -406.09M |
| NetIssuancePaymentsOfDebt | 1.18B | 875.45M | 838.46M | 454.61M |
| NetLongTermDebtIssuance | 1.18B | 875.45M | 838.46M | 454.61M |
| LongTermDebtPayments | -27.52B | -23.97B | -23.15B | -19.51B |
| LongTermDebtIssuance | 28.69B | 24.85B | 23.99B | 19.96B |
| InvestingCashFlow | 552.49M | -1.89B | -273.29M | -721.58M |
| CashFlowFromContinuingInvestingActivities | 552.49M | -1.89B | -273.29M | -721.58M |
| NetOtherInvestingChanges | -369.59M | -116.33M | -96.46M | 238.70M |
| NetInvestmentPurchaseAndSale | 358.06M | -1.75B | -141.96M | -877.20M |
| SaleOfInvestment | 358.06M | 298.70M | 99.99M | 0.00 |
| PurchaseOfInvestment | 0.00 | -2.05B | -241.96M | -877.20M |
| NetIntangiblesPurchaseAndSale | 615.23M | 0.00 | 305.00K | -3.99M |
| SaleOfIntangibles | 615.23M | 0.00 | 305.00K | 0.00 |
| PurchaseOfIntangibles | 0.00 | 0.00 | -3.99M | 0.00 |
| NetPPEPurchaseAndSale | -11.92M | -1.72M | -386.00K | -7.16M |
| SaleOfPPE | 0.00 | 0.00 | 1.00M | 0.00 |
| PurchaseOfPPE | -11.92M | -1.72M | -1.39M | -7.16M |
| CapitalExpenditureReported | -39.28M | -20.38M | -34.78M | -71.94M |
| OperatingCashFlow | -1.65B | -4.53B | -1.58B | 6.03B |
| CashFlowFromContinuingOperatingActivities | -1.65B | -4.53B | -1.58B | 6.03B |
| ChangeInWorkingCapital | -10.88M | -209.54M | 11.24M | 309.52M |
| ChangeInOtherCurrentLiabilities | -18.32M | -17.92M | -21.16M | -19.39M |
| ChangeInOtherCurrentAssets | -63.90M | -95.76M | -60.44M | 191.38M |
| ChangeInPayablesAndAccruedExpense | 320.32M | -75.45M | 163.79M | 171.29M |
| ChangeInPayable | 320.32M | -75.45M | 163.79M | 171.29M |
| ChangeInAccountPayable | 262.85M | -78.65M | 121.68M | -109.48M |
| ChangeInTaxPayable | 53.02M | 88.11M | 40.14M | 317.48M |
| ChangeInIncomeTaxPayable | 53.02M | 88.11M | 40.14M | 317.48M |
| ChangeInPrepaidAssets | -252.08M | -15.94M | -76.61M | -36.53M |
| ChangeInReceivables | 3.10M | -4.46M | 5.67M | 2.78M |
| ChangesInAccountReceivables | 3.10M | -4.46M | 5.67M | 2.78M |
| OtherNonCashItems | -2.25B | -5.59B | -2.07B | 4.56B |
| StockBasedCompensation | 36.23M | 20.87M | 27.58M | 42.55M |
| UnrealizedGainLossOnInvestmentSecurities | 3.00K | 177.00K | -192.00K | 371.00K |
| ProvisionandWriteOffofAssets | 46.98M | 32.96M | 3.27M | -36.08M |
| AssetImpairmentCharge | 4.60M | 147.00K | 46.00K | 0.00 |
| DepreciationAmortizationDepletion | 69.36M | 69.66M | 70.02M | 50.24M |
| DepreciationAndAmortization | 69.36M | 69.66M | 70.02M | 50.24M |
| Depreciation | 69.36M | 69.66M | 70.02M | 50.24M |
| OperatingGainsLosses | -53.08M | 831.62M | 235.23M | 628.97M |
| GainLossOnInvestmentSecurities | -53.08M | 831.62M | 235.23M | 628.97M |
| NetIncomeFromContinuingOperations | 501.08M | 311.42M | 144.66M | 475.51M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for PFSI
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|