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PFSI
PennyMac Financial Services, Inc.
$72.98
0.08
(0.1%)
| Exchange: | NYSE |
| Market Cap: | 3.789B |
| Shares Outstanding: | 11.111M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Mortgages | |||||
| CEO: | David A. Spector | |||||
| Full Time Employees: | 5543 | |||||
| Address: |
| |||||
| Website: | https://pfsi.pennymac.com |
PennyMac Financial Services, Inc. (PFSI), through its various subsidiaries, is actively engaged in mortgage banking and investment management activities across the United States. The company’s operations are structured into three primary divisions: Production, Servicing, and Investment Management. The Production segment focuses on the creation, acquisition, and subsequent sale of loans. Its primary involvement is with first-lien residential mortgage loans, encompassing both conventional products and those insured or guaranteed by the government. The Servicing segment is responsible for the administration of newly originated loans, in addition to managing early buyout transactions and providing servicing for other loan portfolios. This involves a broad range of activities, such as general loan administration, payment collection, and managing defaults. Specific duties include processing loan payments, addressing customer inquiries, meticulously accounting for principal and interest, holding custodial funds for property taxes and insurance premiums, providing guidance to delinquent borrowers, and supervising foreclosure processes and property dispositions. Furthermore, this segment implements loss mitigation strategies, including loan modification and forbearance programs. The Investment Management segment’s core functions include identifying potential investment assets, conducting thorough due diligence, submitting bids, and finalizing acquisitions. It also oversees the correspondent production operations for PennyMac Mortgage Investment Trust and manages the acquired asset base. PennyMac Financial Services, Inc. was established in 2008 and maintains its headquarters in Westlake Village, California.
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Revenue Segmentation
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 2,039,121 | 2,846,478 | 4,420,254 |
| Gross Profit | 847,466 | 1,369,369 | 2,619,223 |
| EBITDA | 424,056 | 472,277 | 620,772 |
| Operating Income | 354,038 | 402,617 | 551,417 |
| Net Income | 144,656 | 311,423 | 501,077 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 18,844,563 | 26,086,887 | 29,388,689 |
| Total Liabilities | 15,305,960 | 22,257,236 | 25,079,713 |
| Total Stockholders Equity | 3,538,603 | 3,829,651 | 4,308,976 |
| Total Debt | 13,493,001 | 20,553,578 | 6,157,763 |
| Cash and Cash Equivalents | 938,371 | 238,482 | 301,680 |
(* All numbers are in thousands)
Cash Flow Statement
(* All numbers are in thousands)
Current Key Metrics
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Common questions about PFSI valuation
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What is PFSI’s P/E ratio?
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