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PennyMac Finl Svcs Inc

Financial Services US PFSI

102.165USD
-0.715(0.69%)

Last update at 2025-04-04T18:52:00Z

Day Range

98.47103.59
LowHigh

52 Week Range

53.5293.50
LowHigh

Fundamentals

  • Previous Close 102.88
  • Market Cap4407.95M
  • Volume701312
  • P/E Ratio20.77
  • Dividend Yield0.91%
  • Revenue TTM1514.84M
  • Revenue Per Share TTM30.29
  • Gross Profit TTM 1395.24M
  • Diluted EPS TTM4.25

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

2018-12-312019-12-312020-12-312021-12-312022-12-310M500M1000M1500M2000M2500M3000M3500M4000M4500M5000M
Total Revenue
Net Income

Balancesheet

2018-12-312019-12-312020-12-312021-12-312022-12-310M2000M4000M6000M8000M10000M12000M14000M16000M18000M20000M22000M24000M26000M28000M30000M
Total Assets
Total Liabilities

Change in Cash

2018-12-312019-12-312020-12-312021-12-312022-12-31-100M0M100M200M300M400M500M600M700M800M900M

Total Operating Cash

2018-12-312019-12-312020-12-312021-12-312022-12-31-7000M-6000M-5000M-4000M-3000M-2000M-1000M0M1000M2000M3000M4000M5000M6000M7000M

Dividends Paid

2018-12-312019-12-312020-12-312021-12-312022-12-31-50M-45M-40M-35M-30M-25M-20M-15M-10M-5M0M5M10M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 665.25M 1359.18M 2240.61M 529.44M 267.70M
Minority interest - - 0.00000M 0.00000M 156.75M
Net income 475.51M 1003.49M 1646.88M 392.96M 87.69M
Selling general administrative 113.39M 130.09M 97.42M 61.77M 54.77M
Selling and marketing expenses 46.76M 44.81M - - 8.21M
Gross profit 663.10M 2143.88M 3967.82M 691.50M 416.52M
Reconciled depreciation 50.24M 42.94M 37.86M 609.04M 258.81M
Ebit 615.01M 1316.24M 2202.75M -79.59600M 8.88M
Ebitda 665.25M 1359.18M 2240.61M 529.44M 267.70M
Depreciation and amortization 50.24M 42.94M 37.86M 609.04M 258.81M
Non operating income net other -277.30800M -891.12100M 918.18M - -
Operating income 615.01M 1316.24M 2202.75M -79.59600M 267.70M
Other operating expenses 1301.76M 2615.82M 3214.01M 1159.52M 861.20M
Interest expense -50.24000M -90.53000M -24.52500M 76.72M 144.60M
Tax provision 189.74M 355.69M 593.73M 136.48M 23.25M
Interest income - - - - 216.42M
Net interest income - - - - -144.59700M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 189.74M 355.69M 593.73M 136.48M 23.25M
Total revenue 1967.01M 3975.00M 5454.62M 1688.97M 1128.89M
Total operating expenses -2.14900M 784.70M 1727.21M 162.05M 148.83M
Cost of revenue 1303.91M 1831.12M 1486.80M 997.47M 712.37M
Total other income expense net 50.24M 42.94M 37.86M 609.04M -26.08300M
Discontinued operations - - - - -
Net income from continuing ops 475.51M 1003.49M 1646.88M 392.96M 244.44M
Net income applicable to common shares 475.51M 1003.49M 1646.88M 392.96M 87.69M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 16822.58M 18776.61M 31597.79M 10204.02M 7478.57M
Intangible assets 5953.62M 3878.08M 2581.17M 2989.92M 2860.36M
Earning assets - - - - -
Other current assets 803.78M 904.20M 849.46M 5296.72M 2943.02M
Total liab 13351.53M 15358.29M 28208.41M 8142.51M 5824.78M
Total stockholder equity 3471.05M 3418.32M 3389.39M 2061.51M 1653.79M
Deferred long term liab - - - - -
Other current liab 1028.84M 715.79M 657.87M 550.73M 447.08M
Common stock 0.00500M 0.00600M 0.00700M 0.00800M 0.00800M
Capital stock 0.00500M 0.00600M 0.00700M 0.00800M 0.00800M
Retained earnings 3471.04M 3292.92M 2342.33M 726.39M 343.13M
Other liab 1270.36M 304.89M 253.48M 681.10M 581.33M
Good will - - - - -
Other assets 15415.99M 18304.20M 31065.08M 155.54M 107.42M
Cash 1328.54M 340.07M 532.72M 188.29M 155.29M
Cash and equivalents - - - - -
Total current liabilities 4497.49M 8595.96M 10893.12M 5118.92M 2857.89M
Current deferred revenue - - - - -
Net debt 10472.65M 13648.87M 26362.05M 6932.58M 4721.24M
Short term debt 3001.28M 7292.73M 9654.80M 4141.05M 1933.86M
Short long term debt 3001.28M 7292.73M 9654.80M 4141.05M 1933.86M
Short long term debt total 11801.19M 13988.94M 26894.76M 7120.87M 4876.53M
Other stockholder equity - 125.40M 1047.05M 1335.11M 1310.65M
Property plant equipment 94.25M 89.04M 74.93M 103.57M 33.37M
Total current assets 10285.26M 13857.88M 27456.31M 6614.92M 4244.26M
Long term investments 0.93M 1.30M 12328.74M 1.67M 1.40M
Net tangible assets 3471.05M 3418.32M 3389.39M 1998.38M 1614.04M
Short term investments 12.19M 6.87M 15.22M 74.61M 117.82M
Net receivables 8247.77M 12808.78M 26328.85M 1094.69M 1136.30M
Long term debt 8714.36M 6582.71M 1871.82M 5933.07M 3758.40M
Inventory -107.02500M -202.03800M - - 1102.84M
Accounts payable 467.37M 587.43M 580.45M 427.14M 476.95M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - -26.53200M -21.87700M
Additional paid in capital - - - - -
Common stock total equity 0.00500M 0.00600M 0.00700M 0.00800M 0.00800M
Preferred stock total equity - - - - -
Retained earnings total equity 3471.04M 3292.92M 2342.33M 726.39M 343.13M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 516.91M 616.62M 773.03M 313.92M 240.58M
Deferred long term asset charges - - - - -
Non current assets total 6537.33M 4918.73M 4141.48M 3589.10M 3234.31M
Capital lease obligations 85.55M 113.49M 106.06M 112.13M 6.61M
Long term debt total 2251.95M 1800.07M 1871.82M 1314.88M 1298.90M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -877.19900M -426.05300M 972.46M 409.35M -69.97100M
Change to liabilities 134.75M -98.79700M -100.35300M 7.81M -9.82400M
Total cashflows from investing activities -721.58200M -304.36900M 783.03M 148.78M -322.61100M
Net borrowings 630.39M 1112.43M 610.94M 7.60M -34.34800M
Total cash from financing activities -4323.20700M -2451.38000M 5760.11M 2128.99M -132.03400M
Change to operating activities 97.67M -119.85600M -760.29700M -230.25200M -85.35000M
Net income 475.51M 1003.49M 1646.88M 392.96M 244.44M
Change in cash 988.45M -192.68800M 344.20M 32.65M 117.75M
Begin period cash flow 340.09M 532.78M 188.58M 155.92M 38.17M
End period cash flow 1328.54M 340.09M 532.78M 188.58M 155.92M
Total cash from operating activities 6033.23M 2563.06M -6198.93800M -2245.12300M 572.40M
Issuance of capital stock - - - - -
Depreciation 50.24M 42.94M 37.86M 609.04M 258.81M
Other cashflows from investing activities 162.78M 129.58M -178.75300M -254.44400M -239.21900M
Dividends paid -54.62100M -52.89600M -30.94700M -9.70800M 10.05M
Change to inventory - - - -30.74300M -42.57400M
Change to account receivables 2.78M 35.24M -48.32000M -20.25700M -9.67200M
Sale purchase of stock -406.08600M -958.19400M -337.47900M -1.05600M -5.29300M
Other cashflows from financing activities 15645.63M -2413.19500M 5486.94M 2195.24M -465.64800M
Change to netincome -21921.07800M 92743.92M 65891.51M 53211.77M 42144.96M
Capital expenditures 83.09M 56.88M 84.23M 262.95M 258.53M
Change receivables 2.78M 35.24M -48.32000M -20.25700M -9.67200M
Cash flows other operating 27287.67M -91173.75700M -73633.28300M -55848.33300M -41802.24800M
Exchange rate changes - - - - -
Cash and cash equivalents changes 988.45M -192.68800M 344.20M 32.65M 117.75M
Change in working capital 309.52M -17.99300M -496.13900M -87.67800M -27.28700M
Stock based compensation 42.55M 37.79M 45.10M 24.77M 25.25M
Other non cash items 5155.41M 1070.95M -6653.04100M -3219.53800M 31.65M
Free cash flow 5950.15M 2506.18M -6283.17200M -2508.07700M 313.87M

Peer Comparison

Sector: Financial Services Industry: Mortgage Finance

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
PFSI
PennyMac Finl Svcs Inc		 -0.715 0.69% 102.17 20.77 11.45 2.86 1.24 8.73 47.02
RKT
Rocket Companies Inc		 1.56 11.26% 15.41 8.17 62.50 7.58 3.14
UWMC
UWM Holdings Corp		 -0.12 2.16% 5.44 47.99 30.21 10.56 5.04 25.69 22.05
FMCCT
Federal Home Loan Mortgage Corp Pref Perpetual		 -1.5 8.45% 16.25 51.47 - 0.55 -
COOP
Mr. Cooper Group Inc		 -0.05 0.04% 133.05 8.68 9.03 2.76 1.16 5.10 18.18

Reports Covered

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Profile

PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. It operates through three segments: Production, Servicing, and Investment Management. The Production segment is involved in the origination, acquisition, and sale of loans. It sources first-lien residential conventional and government-insured or guaranteed mortgage loans. The Servicing segment engages in the servicing of newly originated loans, and execution and management of early buyout transactions and servicing of loans. It performs loan administration, collection, and default management activities, including the collection and remittance of loan payments, response to customer inquiries, accounting for principal and interest, holding custodial funds for the payment of property taxes and insurance premiums, counseling delinquent borrowers, and supervising foreclosures and property dispositions, as well as administers loss mitigation activities, such as modification and forbearance programs. The Investment Management segment is involved in sourcing, performing diligence, bidding, and closing investment asset acquisitions; managing correspondent production activities for PennyMac Mortgage Investment Trust; and managing acquired assets. PennyMac Financial Services, Inc. was founded in 2008 and is headquartered in Westlake Village, California.

PennyMac Finl Svcs Inc

3043 Townsgate Road, Westlake Village, CA, United States, 91361

Key Executives

Name Title Year Born
Mr. David A. Spector CEO & Chairman 1963
Mr. Douglas Edward Jones Pres & Chief Mortgage Banking Officer 1957
Mr. Daniel Stanley Perotti Sr. MD & CFO 1981
Mr. Vandad Fartaj Sr. MD & Chief Investment Officer 1975
Mr. Gregory L. Hendry Chief Accounting Officer 1961
Mr. Lior Ofir Sr. MD & Chief Information Officer NA
Mr. Isaac Garden VP of Investor Relations NA
Mr. Kevin Chamberlain Exec. VP of Investor Relations NA
Mr. Derek W. Stark J.D. Sr. MD, Chief Legal Officer & Sec. 1968
Ms. Jenny Rhodes MD & Chief HR Officer NA

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