PennyMac Financial Services, Inc.
PFSI- Exchange
- NYSE
- Industry
- Mortgage Bankers & Loan Correspondents
- SEC CIK
- 0001745916
No open-market purchases or sales by PennyMac Financial Services, Inc. insiders were filed in the last 90 days; 230 institutions reported holding it in 13F filings for Q2 2026, worth $2.93B in total; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 5, 2026, 12:21 AM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Feb 1, 2024 | Feb 2, 2023 | Feb 3, 2022 |
| Revenue | $2.05B | $1.59B | $1.40B | $1.99B | $3.17B |
| Operating expenses | $1.50B | $1.19B | $1.22B | $1.32B | $1.81B |
| Interest expense | – | – | $637.8M | $335.4M | $390.7M |
| Income tax | $50.3M | $89.6M | $39.0M | $189.7M | $355.7M |
| Net income | $501.1M | $311.4M | $144.7M | $475.5M | $1.00B |
| EPS, basic | $9.69 | $6.11 | $2.89 | $8.96 | $15.73 |
| EPS, diluted | $9.30 | $5.84 | $2.74 | $8.50 | $14.87 |
| Weighted shares, basic | 51.7M | 51.0M | 50.0M | 53.1M | 63.8M |
| Weighted shares, diluted | 53.9M | 53.4M | 52.7M | 56.0M | 67.5M |
| Margins and growth | |||||
| Net margin | 24.5% | 19.5% | 10.3% | 23.9% | 31.7% |
| Revenue growth, year over year | +28.4% | +13.7% | −29.4% | −37.3% | −14.5% |
| Net income growth, year over year | +60.9% | +115.3% | −69.6% | −52.6% | −39.1% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Feb 1, 2024 | Feb 2, 2023 | Feb 3, 2022 |
| Cash and equivalents | $301.7M | $238.5M | $938.4M | $1.33B | $340.1M |
| Short-term investments | $410.0M | $420.6M | $10.3M | $12.2M | $6.87M |
| Property, plant and equipment | $17.8M | $12.9M | $19.0M | $28.4M | – |
| Total assets | $29.4B | $26.1B | $18.8B | $16.8B | $18.8B |
| Long-term debt | $6.23B | $5.25B | $4.43B | $3.75B | $3.10B |
| Total liabilities | $25.1B | $22.3B | $15.3B | $13.4B | $15.4B |
| Shareholders' equity | $4.31B | $3.83B | $3.54B | $3.47B | $3.42B |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Feb 1, 2024 | Feb 2, 2023 | Feb 3, 2022 |
| Operating cash flow | -$1.65B | -$4.53B | -$1.58B | $6.03B | $2.56B |
| Capital expenditures | $11.9M | $1.72M | $1.39M | $7.16M | $7.90M |
| Free cash flow | -$1.66B | -$4.53B | -$1.58B | $6.03B | $2.56B |
| Depreciation and amortization | $54.4M | $56.0M | $53.2M | $34.4M | $28.6M |
| Stock-based compensation | $36.2M | $20.9M | $27.6M | $42.6M | $37.8M |
| Dividends paid | $62.5M | $52.2M | $41.4M | $54.6M | $52.9M |
| Share buybacks | $4.74M | – | $71.5M | $406.1M | $958.2M |
| Investing cash flow | $552.5M | -$1.89B | -$273.3M | -$721.6M | -$304.4M |
| Financing cash flow | $1.16B | $5.72B | $1.47B | -$4.32B | -$2.45B |
| Net change in cash | $63.2M | -$699.9M | -$390.2M | $988.4M | -$192.7M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 1.8% | 1.3% | 2.0% | 2.1% | 1.2% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Oct 30, 2026 | 52.0M | 0.0% | SEC |
| Jul 31, 2026 | 52.0M | +0.5% | SEC |
| May 4, 2026 | 51.9M | +0.5% | SEC |
| Feb 17, 2026 | 52.2M | +1.4% | SEC |
| Oct 24, 2025 | 52.0M | +1.4% | SEC |
| Jul 25, 2025 | 51.7M | +1.0% | SEC |
| Apr 25, 2025 | 51.7M | +1.5% | SEC |
| Feb 14, 2025 | 51.4M | +2.0% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.