PennyMac Financial Services, Inc.PFSINYSE

Revenue (LTM)

$4.4B

+173.8% YoY

Net Income (LTM)

$501M

+60.9% YoY

Free Cash Flow

$-1.4B

Revenue CAGR (5Y)

+5.2%

Marginsimproving

FCF($1.4B)

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	3,559	2,321↓34.8%	2,039↓12.2%	1,594↓21.8%	4,364↑173.8%
Gross Profit	2,133	1,307↓38.7%	847↓35.2%	1,556↑83.6%	3,989↑156.4%
Operating Income	1,359	689↓49.3%	354↓48.6%	901↑154.5%	1,512↑67.8%
Net Income	1,003	476↓52.6%	145↓69.6%	311↑115.3%	501↑60.9%
EBITDA	1,402	739↓47.3%	424↓42.6%	473↑11.6%	1,512↑219.5%
EPS Diluted	14.87	8.50↓42.8%	2.74↓67.8%	5.84↑113.1%	9.30↑59.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	340	1,329↑290.7%	938↓29.4%	238↓74.6%	302↑26.5%
Total Current Assets	14,207	10,473↓26.3%	11,273↑7.6%	16,117↑43.0%	729↓95.5%
Total Assets	18,777	16,823↓10.4%	18,845↑12.0%	26,087↑38.4%	29,389↑12.7%
Total Current Liabilities	8,596	4,583↓46.7%	5,491↑19.8%	10,319↑87.9%	16,204↑57.0%
Total Liabilities	15,358	13,352↓13.1%	15,306↑14.6%	22,257↑45.4%	25,080↑12.7%
Total Equity	3,418	3,471↑1.5%	3,539↑1.9%	3,830↑8.2%	4,309↑12.5%
Total Debt	13,989	11,801↓15.6%	13,495↑14.4%	20,554↑52.3%	23,058↑12.2%
Net Debt	13,649	10,473↓23.3%	12,556↑19.9%	20,315↑61.8%	22,757↑12.0%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	2,563	6,033↑135.4%	-1,582↓126.2%	-4,533↓186.5%	-1,400↑69.1%
Capital Expenditure	-57	-83↓46.1%	-36↑56.5%	-22↑38.9%	-12↑46.1%
Free Cash Flow	2,506	5,950↑137.4%	-1,618↓127.2%	-4,555↓181.5%	-1,412↑69.0%
Stock-Based Comp	38	43↑12.6%	28↓35.2%	21↓24.3%	0
Net Change in Cash	-193	988↑613.0%	-390↓139.5%	-700↓79.4%	63↑109.0%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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