MARKETS / NYSE / PFSI

NYSE · MORTGAGE BANKERS & LOAN CORRESPONDENTS · LARGE CAP

PennyMac Financial Services, Inc. PFSI

10 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$20.1M

▼ 25.2% YoY

Net income

$501.1M

▲ 60.9% YoY

Free cash flow

$-1.7B

In brief

What this company does

References in this Report to “we,” “our,” “us,” and the “Company” refer to PennyMac Financial Services, Inc. (“PFSI”) and its consolidated subsidiaries. We are a specialty financial services firm with a comprehensive mortgage platform and integrated business primarily focused on the production and servicing of U.S. residential mortgage loans (activities which we refer to as mortgage banking). Our principal mortgage banking subsidiary, PennyMac Loan Services, LLC (“PLS”), is a non-bank producer and servicer of mortgage loans. PLS is also an approved issuer of securities guaranteed by the Government National Mortgage Association (“Ginnie Mae”), a lender of the Federal Housing Administration (“FHA”), and a lender/servicer of the U.S. Department of Veterans Affairs (“VA”) and the United States Department of Agriculture (“USDA”). We had approximately 4,900 domestic employees as of the end of fiscal year 2025.

Written from the business description in PennyMac Financial Services, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 20 February 2026. Every sentence was checked against that document before publication.

Growth

USD 20.1M

Revenue, FY2025 · full 10-year series below

Revenue $B Net income $B

FY2025 · Revenue 0.0 · Net income 0.5

Compound annual growth

Revenue

+17.5%

+24.4%

Net income

+1.8%

−21.2%

EPS, diluted

+3.0%

−15.0%

Dividend / share

+14.5%

+17.3%

Returned to shareholders

−48.5%

−29.5%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +24.4% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

2492 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 2742.3% · Net 2491.9%

ROE

FY2019 · ROE 23.8%

Gross margin—

Operating margin2742.3%

Net margin2491.9%

Return on assets1.8%

EBITDAUSD 605.8M

Cash & shareholders

USD 62.5M

returned in FY2025 · dividends + net buybacks

Free cash flow $B

FY2025 · FCF -1.7

Net buybacks $M Dividends $M

FY2025 · Dividends 62.5 · Net buybacks -8.1

Dividends paidUSD 62.5M

Net buybacksUSD -8.1M

Share of profit12.5%

Consecutive raises2 years

USD 62.5M in dividends — 12% of the year's profit went back to shareholders.

Total assetsUSD 29.4B

CashUSD 301.7M

Gross debtUSD 6.2B

Net debtUSD 5.9B

Not available: we don't have the shareholders' equity figure for this period.

The 10-year record

10 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Revenue $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Operating income $B	0.6	0.4	0.2	0.7	1.4	2.2	0.5	0.3	0.3	0.4
EBITDA $B	0.6	0.5	0.2	0.7	1.4	2.3	0.5	0.3	0.3	0.4
Income tax $B	0.1	0.1	0.0	0.2	0.4	0.6	0.1	0.0	0.0	0.0
Net income $B	0.5	0.3	0.1	0.5	1.0	1.6	0.4	0.1	0.1	0.1
Free cash flow $B	−1.7	−4.5	−1.6	6.0	2.6	−6.2	−2.3	0.6	−0.9	−1.0
EPS, diluted $	9.30	5.84	2.74	8.50	14.87	20.92	4.89	2.59	4.03	2.94
Dividend / sh $	1.20	1.00	·	·	·	·	·	0.40	·	·
Payout %	12	17	29	11	5	2	2	11	·	·
ROE %	·	·	·	·	·	·	23.8	8.3	21.5	·
Shares out B	0.05	0.05	0.05	0.05	0.06	0.07	0.08	·	·	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 29 reconciliationsAUDITED

Reconciled in 10 of 19 fiscal years. 28 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityMortgage Bankers & Loan Correspondents

Listed onNYSE

Incorporated inDelaware

Fiscal year endsDecember 31

Data on record since2016