PennyMac Financial Services, Inc. (PFSI) Financial Statements
Industry: Mortgage Bankers & Loan Correspondents
In fiscal 2025, PennyMac Financial Services reported revenue of $20.1M, down 25.2% from $26.9M the year before. Net income was $501.1M (a 2491.9% net margin), or $9.30 per diluted share. Operating activities generated -$1.65B of cash, leaving -$1.66B of free cash flow. At fiscal year end, PennyMac Financial Services held $29.39B in total assets against $25.08B in total liabilities.
Open the full interactive PennyMac Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
PennyMac Financial Services Key Stats
| Share Price | $59.29 |
|---|---|
| Market Cap | $3.16B |
| P/E Ratio | 6.4 |
| Revenue YoY Growth | -25.2% |
| 52-Week Range | $58.84 – $157.77 |
| Shares Outstanding | 51.9 million (basic, 2026 Q2) |
PennyMac Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $6.7M | $7.3M | $12.4M | $13.4M | $26.9M | $20.1M |
| Pre-Tax Income | $2.24B | $1.36B | $665.2M | $183.6M | $401.0M | $551.4M |
| Income Tax | $593.7M | $355.7M | $189.7M | $39.0M | $89.6M | $50.3M |
| Net Income | $1.65B | $1.00B | $475.5M | $144.7M | $311.4M | $501.1M |
| Diluted EPS | $20.92 | $14.87 | $8.50 | $2.74 | $5.84 | $9.30 |
PennyMac Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $4.6M | $6.1M | $6.1M | $19.5M |
| Net Income | $181.5M | $106.8M | $82.3M | $21.7M |
| Diluted EPS | $3.37 | $1.98 | $1.53 | $0.41 |
PennyMac Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Total Assets | $31.60B | $18.78B | $16.82B | $18.84B | $26.09B | $29.39B |
| Total Long-Term Debt | $1.30B | $3.10B | $3.75B | $4.43B | $5.25B | $6.23B |
| Total Liabilities | $28.21B | $15.36B | $13.35B | $15.31B | $22.26B | $25.08B |
| Shareholders' Equity | $3.39B | $3.42B | $3.47B | $3.54B | $3.83B | $4.31B |
PennyMac Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$6.20B | $2.56B | $6.03B | -$1.58B | -$4.53B | -$1.65B |
| Cash From Investing | $783.0M | -$304.4M | -$721.6M | -$273.3M | -$1.89B | $552.5M |
| Cash From Financing | $5.76B | -$2.45B | -$4.32B | $1.47B | $5.72B | $1.16B |
| Free Cash Flow | -$6.21B | $2.56B | $6.03B | -$1.58B | -$4.53B | -$1.66B |
Figures from PennyMac Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full PennyMac Financial Services financials page for every line item.
PennyMac Financial Services Company Profile
| Ticker | PFSI |
|---|---|
| Exchange | NYSE |
| Industry | Mortgage Bankers & Loan Correspondents |
| Headquarters | Westlake Village, California |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001745916 |
Frequently Asked Questions
What was PennyMac Financial Services' revenue in fiscal 2025?
PennyMac Financial Services (PFSI) reported revenue of $20.1M for fiscal 2025.
What is PennyMac Financial Services' annual revenue history?
PennyMac Financial Services' annual revenue by fiscal year: 2020: $6.7M; 2021: $7.3M; 2022: $12.4M; 2023: $13.4M; 2024: $26.9M; 2025: $20.1M.
What was PennyMac Financial Services' net income in fiscal 2025?
PennyMac Financial Services reported net income of $501.1M for fiscal 2025.
What was PennyMac Financial Services' earnings per share (EPS) in fiscal 2025?
PennyMac Financial Services' diluted EPS was $9.30 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did PennyMac Financial Services generate in fiscal 2025?
PennyMac Financial Services generated -$1.66B of free cash flow in fiscal 2025.
What was PennyMac Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), PennyMac Financial Services reported revenue of $19.5M.
How much debt does PennyMac Financial Services have?
PennyMac Financial Services reported $6.23B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of PennyMac Financial Services are outstanding?
PennyMac Financial Services reported a weighted average of 51.9 million basic shares outstanding in 2026 Q2.
What is PennyMac Financial Services' market cap?
Based on its latest closing price, PennyMac Financial Services (PFSI) has a market capitalization of about $3.16B.
When does PennyMac Financial Services' fiscal year end?
PennyMac Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is PennyMac Financial Services headquartered?
PennyMac Financial Services lists its business address in Westlake Village, California in its SEC filings.
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