Financial Services
Live Price
Offline$82.38
+1.45% today
1Y Change
-15.04%
Window
Jun 23, 2025 → Jun 15, 2026
Coverage: 247 bars · Jun 23, 2025 → Jun 15, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
PennyMac Financial Services, Inc. (PFSI) is a Financial Services stock with a market cap of $4.81B and listed on NYSE. The stock last traded around $82.38 and down 15.0% across the available one-year price window (Jun 23, 2025 → Jun 15, 2026). Baseline metrics include revenue growth of +173.8%, EPS growth of +58.6%, a dividend yield of 1.3%. What stands out right now is revenue +173.8%, EPS +58.6%, free cash flow +69.0% with operating margin 20.0% and ROIC 2.5%. The dividend is present but secondary, with a yield around 1.3%. Valuation is more restrained than many high-expectation growth names at P/E 9.6 and price/sales 1.2. Stock Foundry combines PFSI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFSI
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PFSI Max Drawdown
-50.11%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PFSI and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$3.6B
+53.3% YoY
FY Net Income
$1.0B
+111.0% YoY
Free Cash Flow
$2.5B
-57.9% YoY
Revenue Growth
+173.8%
EPS Growth
+58.6%
Gross Margin
65.2%
Net Margin
12.3%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 4.4B | 1.6B | 2.0B | 2.3B | 3.6B |
| Gross Profit | 4.0B | 1.6B | 847M | 1.3B | 2.1B |
| Operating Income | 1.5B | 901M | 354M | 689M | 1.4B |
| EBITDA | 1.5B | 473M | 424M | 739M | 1.4B |
| Net Income | 501M | 311M | 145M | 476M | 1.0B |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 302M | 238M | 938M | 1.3B | 340M |
| Total Assets | 29.4B | 26.1B | 18.8B | 16.8B | 18.8B |
| Total Liabilities | 25.1B | 22.3B | 15.3B | 13.4B | 15.4B |
| Shareholder Equity | 4.3B | 3.8B | 3.5B | 3.5B | 3.4B |
| Total Debt | 23.1B | 20.6B | 13.5B | 11.8B | 14.0B |
| Net Debt | 22.8B | 20.3B | 12.6B | 10.5B | 13.6B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2.6B
-57.5% YoY
Capital Expenditures
57M
+31.5% YoY
Free Cash Flow
2.5B
-57.9% YoY
Key ratios
Gross Margin
65.2%
Operating Margin
20.0%
Net Margin
12.3%
ROE
12.2%
Debt / Equity
5.35x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.