PFSI - PennyMac Financial Services, Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$127.80
DETAILS
HIGH:
$160.00
LOW:
$107.00
MEDIAN:
$112.00
CONSENSUS:
$127.80
UPSIDE:
48.81%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||
| Revenue | 4,363.8 | 1,593.7 | 2,039.1 | 2,321.4 | 3,558.8 | 3,952.6 | 1,679.7 | 1,137.4 | 1,080.5 | 1,013.9 | 778.1 | 526.9 | 405.6 | 273.0 | 76.7 | 69.2 |
| Cost of Revenue | 374.6 | 38.0 | 1,191.7 | 1,014.5 | 1,425.5 | 1,185.4 | 788.0 | 565.8 | 512.4 | 425.8 | 320.2 | 213.7 | 134.7 | 75.8 | 34.5 | 28.5 |
| Gross Profit | 3,989.2 | 1,555.7 | 847.5 | 1,307.0 | 2,133.3 | 2,767.2 | 891.7 | 571.5 | 568.2 | 588.1 | 457.9 | 313.2 | 270.9 | 197.2 | 42.1 | 40.7 |
| Operating Expenses | ||||||||||||||||
| R&D Expenses | 0 | 149.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 829.1 | 654.7 | 238.1 | 338.2 | 461.2 | 322.5 | 215.9 | 150.6 | 127.1 | 135.2 | 107.9 | 63.4 | 42.0 | 59.3 | 19.9 | 3.2 |
| Other Expenses | 1,648.2 | (149.5) | 255.3 | 280.1 | 312.7 | 203.9 | 146.4 | 153.3 | 105.2 | 69.8 | 70.8 | 26.8 | 46.8 | 19.6 | 7.6 | 4.5 |
| Operating Expenses | 2,477.2 | 654.7 | 493.4 | 618.3 | 773.9 | 526.4 | 362.3 | 303.8 | 232.3 | 205.0 | 178.7 | 90.2 | 88.8 | 78.9 | 27.4 | 7.7 |
| Operating Income | ||||||||||||||||
| Operating Income | 1,512.0 | 901.0 | 354.0 | 688.7 | 1,359.3 | 2,240.8 | 529.4 | 267.7 | 335.9 | 383.1 | 279.2 | 223.0 | 182.1 | 118.3 | 14.7 | 33.0 |
| Interest Expense | 960.6 | 819.3 | 0 | 0 | 0 | 0 | 0 | 144.6 | 144.5 | 106.2 | 68.5 | 37.3 | 16.7 | 7.9 | 1.9 | 0.8 |
| Interest Income | 924.4 | 793.6 | 0 | 0 | 0 | 0 | 0 | 0 | 143.2 | 0 | 49.2 | 27.8 | 15.6 | 0 | 1.5 | 0 |
| Profitability | ||||||||||||||||
| EBITDA | 1,512.0 | 473.2 | 424.1 | 738.9 | 1,402.3 | 2,278.7 | 554.6 | 280.6 | 617.5 | 689.2 | 434.7 | 265.9 | 212.4 | 131.1 | 24.4 | 33.6 |
| EBIT | 1,512.0 | 403.5 | 354.0 | 688.7 | 1,359.3 | 2,240.8 | 529.4 | 267.7 | 335.9 | 383.1 | 279.2 | 223.0 | 182.1 | 118.3 | 14.7 | 33.0 |
| Income Before Tax | 551.4 | 401.0 | 183.6 | 665.2 | 1,359.2 | 2,240.6 | 529.4 | 267.7 | 335.9 | 383.1 | 279.2 | 223.0 | 182.1 | 118.3 | 14.7 | 33.0 |
| Income Tax Expense | 50.3 | 89.6 | 39.0 | 189.7 | 355.7 | 593.7 | 136.5 | 23.3 | 24.4 | 46.1 | 31.6 | 26.7 | 10.0 | 0 | 0 | 0 |
| Net Income | 501.1 | 311.4 | 144.7 | 475.5 | 1,003.5 | 1,646.9 | 393.0 | 87.7 | 100.8 | 66.1 | 47.2 | 36.8 | 14.4 | 118.3 | 14.7 | 33.0 |
| Per Share Data | ||||||||||||||||
| EPS (Basic) | 9.69 | 6.11 | 2.89 | 8.96 | 15.73 | 21.91 | 5.02 | 2.59 | 4.34 | 2.98 | 2.17 | 1.73 | 0.83 | 10.65 | 1.32 | 0.02 |
| EPS (Diluted) | 9.30 | 5.84 | 2.74 | 8.50 | 14.87 | 20.92 | 4.89 | 2.48 | 1.28 | 2.94 | 2.17 | 1.73 | 0.82 | 10.65 | 1.32 | 0.02 |
| Shares Outstanding | 51.7 | 51.0 | 50.0 | 53.1 | 63.8 | 75.2 | 78.2 | 33.8 | 23.2 | 22.2 | 21.8 | 21.2 | 17.3 | 11.1 | 11.1 | 11.1 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 301.7 | 238.5 | 938.4 | 1,328.5 | 340.1 | 532.7 | 135.7 | 155.3 | 37.7 | 99.4 |
| Short-Term Investments | 410.0 | 420.6 | 10.3 | 12.2 | 6.9 | 15.2 | 74.6 | 117.8 | 170.1 | 86.0 |
| Net Receivables | 17.1 | 14,538.9 | 9,442.9 | 8,328.1 | 12,956.0 | 26,383.5 | 6,007.6 | 164.5 | 1,235.3 | 470.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,102.8 | (20.8) | (91.8) |
| Other Current Assets | 0 | 304.9 | 151.3 | 68.2 | 137.1 | 269.9 | 136.7 | 2,629.8 | 3,437.9 | 2,612.9 |
| Total Current Assets | 728.8 | 16,117.0 | 11,272.9 | 10,472.6 | 14,207.1 | 27,834.9 | 6,685.8 | 4,244.3 | 5,013.4 | 3,327.3 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 0 | 49.5 | 68.9 | 94.2 | 120.7 | 107.2 | 103.6 | 33.4 | 29.5 | 31.3 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 9,598.9 | 8,865.3 | 7,248.1 | 6,111.1 | 3,987.6 | 2,662.6 | 2,989.9 | 2,860.4 | 2,145.3 | 1,638.9 |
| Long-Term Investments | 8,909.6 | 0.9 | 1.1 | 0.9 | 1.3 | 1.1 | 1.7 | 1.4 | 1.2 | 1.2 |
| Other Non-Current Assets | 10,151.3 | 1,054.1 | 253.5 | 143.7 | 459.9 | 992.0 | 423.0 | 240.6 | 98.1 | 50.9 |
| Total Non-Current Assets | 28,659.8 | 9,969.9 | 7,571.7 | 6,350.0 | 4,569.5 | 3,762.9 | 3,518.2 | 3,234.3 | 2,354.7 | 1,806.6 |
| Total Assets | 29,388.7 | 26,086.9 | 18,844.6 | 16,822.6 | 18,776.6 | 31,597.8 | 10,204.0 | 7,478.6 | 7,368.1 | 5,133.9 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 476.7 | 658.1 | 552.9 | 587.4 | 580.5 | 427.1 | 477.0 | 482.7 | 593.3 |
| Short-Term Debt | 16,203.8 | 8,685.2 | 3,764.0 | 3,001.3 | 7,292.7 | 9,654.8 | 4,141.1 | 1,933.9 | 2,381.5 | 1,735.1 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (1,165.1) | (2,960.4) | 0 |
| Total Current Liabilities | 16,203.8 | 10,318.8 | 5,491.0 | 4,583.0 | 8,596.0 | 10,893.1 | 5,118.9 | 2,857.9 | 2,960.4 | 2,449.9 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 6,854.4 | 11,868.4 | 9,730.9 | 8,714.4 | 6,582.7 | 17,133.9 | 2,867.7 | 2,942.7 | 2,662.2 | 1,243.3 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (5,824.8) | 7.4 | 13.2 |
| Other Non-Current Liabilities | 2,021.5 | 70.0 | 84.1 | (31.4) | 66.1 | 75.3 | 43.8 | 1,189.3 | 2,986.2 | 41.4 |
| Total Non-Current Liabilities | 8,875.9 | 11,938.4 | 9,814.9 | 8,768.5 | 6,762.3 | 17,315.3 | 3,023.6 | 2,966.9 | 2,688.0 | 1,284.7 |
| Total Liabilities | 25,079.7 | 22,257.2 | 15,306.0 | 13,351.5 | 15,358.3 | 28,208.4 | 8,142.5 | 5,824.8 | 5,648.4 | 3,734.5 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | 4,212.1 | 3,773.6 | 3,514.3 | 3,471.0 | 3,292.9 | 2,342.3 | 726.4 | 343.1 | 265.3 | 164.5 |
| Accumulated Other Comprehensive Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,653.8 | 1,719.7 | 1,399.4 |
| Total Stockholders' Equity | 4,309.0 | 3,829.7 | 3,538.6 | 3,471.0 | 3,418.3 | 3,389.4 | 2,061.5 | 1,653.8 | 469.4 | 347.3 |
| Total Liabilities & Equity | 29,388.7 | 26,086.9 | 18,844.6 | 16,822.6 | 18,776.6 | 31,597.8 | 10,204.0 | 7,478.6 | 7,368.1 | 5,133.9 |
| Debt Metrics | ||||||||||
| Total Debt | 23,058.2 | 20,553.6 | 13,494.8 | 11,801.2 | 13,988.9 | 26,894.8 | 7,120.9 | 4,876.5 | 5,043.7 | 2,978.4 |
| Net Debt | 22,756.5 | 20,315.1 | 12,556.4 | 10,472.7 | 13,648.9 | 26,362.0 | 6,985.2 | 4,721.2 | 5,006.0 | 2,879.0 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 501.1 | 311.4 | 144.7 | 475.5 | 1,003.5 | 1,646.9 | 393.0 | 244.4 | 311.5 | 337.0 |
| Depreciation & Amortization | 69.4 | 69.7 | 70.0 | 50.2 | 42.9 | 37.9 | 25.2 | 258.8 | 281.6 | 306.1 |
| Stock-Based Compensation | 0 | 20.9 | 27.6 | 42.6 | 37.8 | 45.1 | 24.8 | 25.3 | 20.7 | 16.2 |
| Change in Working Capital | 241.2 | (209.5) | 11.2 | 309.5 | (18.0) | (496.1) | 10.4 | (27.3) | (136.1) | (29.6) |
| Other Non-Cash Items | (2,211.5) | (4,725.7) | (1,835.7) | 5,155.4 | 1,071.0 | (6,653.0) | (2,600.4) | 31.6 | (1,467.2) | (1,603.7) |
| Operating Cash Flow | (1,399.9) | (4,533.3) | (1,582.2) | 6,033.2 | 2,563.1 | (6,198.9) | (2,147.0) | 572.4 | (883.6) | (938.5) |
| Investing Activities | ||||||||||
| Capital Expenditure | (11.9) | (22.1) | (36.2) | (83.1) | (56.9) | (84.2) | (6.1) | (258.5) | (202.3) | (30.5) |
| Acquisitions | 0 | 0 | 0 | 0 | (49.0) | 131.8 | 0 | 245.1 | 0 | 0 |
| Purchases of Investments | (369.6) | (2,048.2) | (96.5) | (877.2) | (434.4) | (131.8) | (21.1) | (122.2) | (120.7) | (67.0) |
| Sales/Maturities of Investments | 10.5 | 298.7 | 1.9 | 0 | 8.3 | 972.5 | 43.2 | 52.3 | 0 | 0 |
| Other Investing Activities | 710.7 | (136.7) | (142.6) | 162.8 | 227.5 | (105.2) | 291.5 | (239.2) | (16.2) | 62.8 |
| Investing Cash Flow | 300.4 | (1,888.0) | (273.3) | (721.6) | (304.4) | 783.0 | 50.7 | (322.6) | (339.2) | (34.7) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 1,220.9 | 875.5 | 838.5 | 454.6 | 965.4 | 632.2 | 2,139.2 | 343.6 | 546.8 | 406.7 |
| Stock Repurchased | (4.7) | 0 | (71.5) | (406.1) | (958.2) | (337.5) | (1.1) | (5.3) | (8.6) | 0 |
| Dividends Paid | (62.5) | (52.2) | (41.4) | (54.6) | (52.9) | (30.9) | (9.7) | (10.1) | 0 | 0 |
| Other Financing Activities | 0 | 4,898.0 | 749.0 | (4,317.1) | (2,396.7) | 5,501.6 | (4.6) | (460.3) | 623.0 | 560.4 |
| Financing Cash Flow | 1,162.7 | 5,721.3 | 1,465.3 | (4,323.2) | (2,451.4) | 5,760.1 | 2,129.0 | (132.0) | 1,161.2 | 967.2 |
| Cash Position | ||||||||||
| Net Change in Cash | 63.2 | (699.9) | (390.2) | 988.4 | (192.7) | 344.2 | 33.0 | 117.8 | (61.6) | (6.1) |
| Cash at Beginning | 238.5 | 938.4 | 1,328.5 | 340.1 | 532.8 | 188.6 | 155.3 | 38.2 | 99.4 | 105.5 |
| Cash at End | 301.7 | 238.5 | 938.4 | 1,328.5 | 340.1 | 532.8 | 188.3 | 155.9 | 37.7 | 99.4 |
| Free Cash Flow | (1,411.8) | (4,555.4) | (1,618.4) | 5,950.1 | 2,506.2 | (6,283.2) | (2,153.1) | 313.9 | (1,085.9) | (969.1) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | 4,363.8 | 1,593.7 | 2,039.1 | 2,321.4 | 3,558.8 | 3,952.6 | 1,679.7 | 1,137.4 | 1,080.5 | 1,013.9 | 778.1 | 526.9 | 405.6 | 273.0 | 76.7 | 69.2 |
| Gross Profit | 3,989.2 | 1,555.7 | 847.5 | 1,307.0 | 2,133.3 | 2,767.2 | 891.7 | 571.5 | 568.2 | 588.1 | 457.9 | 313.2 | 270.9 | 197.2 | 42.1 | 40.7 |
| Operating Income | 1,512.0 | 901.0 | 354.0 | 688.7 | 1,359.3 | 2,240.8 | 529.4 | 267.7 | 335.9 | 383.1 | 279.2 | 223.0 | 182.1 | 118.3 | 14.7 | 33.0 |
| Net Income | 501.1 | 311.4 | 144.7 | 475.5 | 1,003.5 | 1,646.9 | 393.0 | 87.7 | 100.8 | 66.1 | 47.2 | 36.8 | 14.4 | 118.3 | 14.7 | 33.0 |
| EPS (Diluted) | 9.30 | 5.84 | 2.74 | 8.50 | 14.87 | 20.92 | 4.89 | 2.48 | 1.28 | 2.94 | 2.17 | 1.73 | 0.82 | 10.65 | 1.32 | 0.02 |
| Balance Sheet | ||||||||||||||||
| Cash & Equivalents | 301.7 | 238.5 | 938.4 | 1,328.5 | 340.1 | 532.7 | 135.7 | 155.3 | 37.7 | 99.4 | ||||||
| Total Assets | 29,388.7 | 26,086.9 | 18,844.6 | 16,822.6 | 18,776.6 | 31,597.8 | 10,204.0 | 7,478.6 | 7,368.1 | 5,133.9 | ||||||
| Total Debt | 23,058.2 | 20,553.6 | 13,494.8 | 11,801.2 | 13,988.9 | 26,894.8 | 7,120.9 | 4,876.5 | 5,043.7 | 2,978.4 | ||||||
| Stockholders' Equity | 4,309.0 | 3,829.7 | 3,538.6 | 3,471.0 | 3,418.3 | 3,389.4 | 2,061.5 | 1,653.8 | 469.4 | 347.3 | ||||||
| Cash Flow | ||||||||||||||||
| Operating Cash Flow | (1,399.9) | (4,533.3) | (1,582.2) | 6,033.2 | 2,563.1 | (6,198.9) | (2,147.0) | 572.4 | (883.6) | (938.5) | ||||||
| Capital Expenditure | (11.9) | (22.1) | (36.2) | (83.1) | (56.9) | (84.2) | (6.1) | (258.5) | (202.3) | (30.5) | ||||||
| Free Cash Flow | (1,411.8) | (4,555.4) | (1,618.4) | 5,950.1 | 2,506.2 | (6,283.2) | (2,153.1) | 313.9 | (1,085.9) | (969.1) | ||||||