PFSI
PennyMac Finl Svcs Inc
NYSE: PFSI · FINANCIAL SERVICES · MORTGAGE FINANCE
$89.18
-2.19% today
Updated 2026-04-29
Market cap
$4.63B
P/E ratio
9.59
P/S ratio
1.34x
EPS (TTM)
$9.30
Dividend yield
1.32%
52W range
$83 – $160
Volume
0.6M
PennyMac Finl Svcs Inc (PFSI) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $69.23M | $76.66M | $272.96M | $405.61M | $555.53M | $781.88M | $1.04B | $1.10B | $1.13B | $1.68B | $3.95B | $3.56B | $2.32B | $1.40B | $1.59B | $4.36B |
| Revenue growth (YoY) | — | +10.7% | +256.1% | +48.6% | +37.0% | +40.7% | +32.7% | +6.0% | +2.6% | +48.8% | +135.3% | -10.0% | -34.8% | -39.6% | +13.7% | +173.8% |
| Cost of revenue | $28.52M | $34.53M | $75.77M | $134.71M | $285.95M | $428.27M | $556.74M | $641.37M | $712.37M | $788.00M | $1.19B | $1.43B | $1.01B | $97.08M | $37.99M | $374.62M |
| Gross profit | $40.71M | $42.13M | $197.19M | $270.91M | $269.59M | $353.60M | $481.13M | $458.50M | $416.52M | $891.71M | $2.77B | $2.13B | $1.31B | $1.30B | $1.56B | $3.99B |
| Gross margin | 58.8% | 55.0% | 72.2% | 66.8% | 48.5% | 45.2% | 46.4% | 41.7% | 36.9% | 53.1% | 70.0% | 59.9% | 56.3% | 93.1% | 97.6% | 91.4% |
| R&D | — | — | $4.46M | $9.21M | $15.44M | $25.16M | $0.00 | $0.00 | $0.00 | $67.95M | $112.57M | $141.43M | $139.95M | $143.15M | $149.55M | — |
| SG&A | $3.18M | $19.53M | $59.26M | $41.96M | $11.11M | $15.47M | $18.08M | $40.46M | $54.77M | $210.75M | $313.85M | $416.44M | $291.41M | $576.96M | $632.74M | $782.92M |
| Operating income | $33.04M | $14.70M | $118.32M | $182.13M | $223.03M | $279.19M | $383.08M | $335.91M | $267.70M | $529.44M | $2.24B | $1.36B | $688.69M | $709.98M | $901.03M | $1.51B |
| Operating margin | 47.7% | 19.2% | 43.3% | 44.9% | 40.1% | 35.7% | 36.9% | 30.5% | 23.7% | 31.5% | 56.7% | 38.2% | 29.7% | 50.7% | 56.5% | 34.6% |
| EBITDA | $33.63M | $24.39M | $131.09M | $212.40M | $265.90M | $434.75M | $689.21M | $617.54M | $526.51M | $554.62M | $2.28B | $1.40B | $738.93M | $709.98M | $473.17M | $1.51B |
| EBITDA margin | 48.6% | 31.8% | 48.0% | 52.4% | 47.9% | 55.6% | 66.4% | 56.1% | 46.6% | 33.0% | 57.6% | 39.4% | 31.8% | 50.7% | 29.7% | 34.6% |
| EBIT | $33.04M | $14.70M | $118.32M | $182.13M | $223.03M | $279.19M | $383.08M | $335.91M | $267.70M | $529.44M | $2.24B | $1.36B | $688.69M | $709.98M | $403.51M | — |
| Interest expense | $790000.00 | $1.88M | $7.88M | $16.67M | $37.26M | $68.54M | $106.21M | $144.52M | $144.60M | $76.72M | $24.52M | $90.53M | $50.24M | $637.78M | $819.35M | $960.55M |
| Income tax | $-2.53M | $-1.90M | $-4.61M | $9.96M | $26.72M | $31.64M | $46.10M | $24.39M | $23.25M | $136.48M | $593.73M | $355.69M | $189.74M | $38.98M | $89.60M | $50.34M |
| Effective tax rate | -8.3% | -14.8% | -4.1% | 40.9% | 42.0% | 40.1% | 41.1% | 19.5% | 21.0% | 25.8% | 26.5% | 26.2% | 28.5% | 21.2% | 22.3% | 9.1% |
| Net income | $33.04M | $14.70M | $118.32M | $14.40M | $36.84M | $47.23M | $66.08M | $100.76M | $87.69M | $392.96M | $1.65B | $1.00B | $475.51M | $144.66M | $311.42M | $501.08M |
| Net income growth (YoY) | — | -55.5% | +705.0% | -87.8% | +155.8% | +28.2% | +39.9% | +52.5% | -13.0% | +348.1% | +319.1% | -39.1% | -52.6% | -69.6% | +115.3% | +60.9% |
| Profit margin | 47.7% | 19.2% | 43.3% | 3.6% | 6.6% | 6.0% | 6.4% | 9.2% | 7.8% | 23.4% | 41.7% | 28.2% | 20.5% | 10.3% | 19.5% | 11.5% |