PennyMac Financial Services, Inc. (FRA:1AC)

FRA:1AC Statistics

Total Valuation

FRA:1AC has a market cap or net worth of EUR 5.99 billion.

Market Cap	5.99B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, February 5, 2026.

Earnings Date	Feb 5, 2026
Ex-Dividend Date	Nov 17, 2025

Share Statistics

Current Share Class	51.97M
Shares Outstanding	n/a
Shares Change (YoY)	+1.06%
Shares Change (QoQ)	+0.45%
Owned by Insiders (%)	4.19%
Owned by Institutions (%)	85.41%
Float	27.34M

Valuation Ratios

The trailing PE ratio is 14.10 and the forward PE ratio is 8.50.

PE Ratio	14.10
Forward PE	8.50
PS Ratio	2.58
PB Ratio	1.67
P/TBV Ratio	1.71
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 0.98, with a Debt / Equity ratio of 4.63.

Current Ratio	0.98
Quick Ratio	0.43
Debt / Equity	4.63
Debt / EBITDA	n/a
Debt / FCF	-10.17
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.55%.

Return on Equity (ROE)	12.55%
Return on Assets (ROA)	2.07%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	461,931
Profits Per Employee	84,591
Employee Count	4,455
Asset Turnover	0.11
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:1AC has paid 40.60 million in taxes.

Income Tax	40.60M
Effective Tax Rate	8.72%

Stock Price Statistics

The stock price has increased by +15.58% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+15.58%
50-Day Moving Average	105.11
200-Day Moving Average	91.61
Relative Strength Index (RSI)	57.89
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	4.89

Income Statement

In the last 12 months, FRA:1AC had revenue of EUR 2.32 billion and earned 425.07 million in profits. Earnings per share was 7.92.

Revenue	2.32B
Gross Profit	2.02B
Operating Income	466.06M
Pretax Income	465.68M
Net Income	425.07M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	7.92

Balance Sheet

The company has 702.30 million in cash and 16.60 billion in debt, giving a net cash position of -15.90 billion.

Cash & Cash Equivalents	702.30M
Total Debt	16.60B
Net Cash	-15.90B
Net Cash Per Share	n/a
Equity (Book Value)	3.59B
Book Value Per Share	69.13
Working Capital	-239.32M

Cash Flow

In the last 12 months, operating cash flow was -1.63 billion and capital expenditures -3.41 million, giving a free cash flow of -1.63 billion.

Operating Cash Flow	-1.63B
Capital Expenditures	-3.41M
Free Cash Flow	-1.63B
FCF Per Share	n/a

Margins

Gross margin is 87.23%, with operating and profit margins of 20.08% and 18.31%.

Gross Margin	87.23%
Operating Margin	20.08%
Pretax Margin	20.06%
Profit Margin	18.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.07, which amounts to a dividend yield of 0.93%.

Dividend Per Share	1.07
Dividend Yield	0.93%
Dividend Growth (YoY)	15.43%
Years of Dividend Growth	1
Payout Ratio	12.49%
Buyback Yield	-1.06%
Shareholder Yield	-0.13%
Earnings Yield	7.09%
FCF Yield	-27.24%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4