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

FRA:1AC Statistics

Total Valuation

FRA:1AC has a market cap or net worth of EUR 4.08 billion.

Market Cap	4.08B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, January 29, 2026.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Feb 13, 2026

Share Statistics

Current Share Class	52.17M
Shares Outstanding	n/a
Shares Change (YoY)	+0.99%
Shares Change (QoQ)	+0.54%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	27.51M

Valuation Ratios

The trailing PE ratio is 9.57 and the forward PE ratio is 7.92.

PE Ratio	9.57
Forward PE	7.92
PS Ratio	1.39
PB Ratio	1.11
P/TBV Ratio	1.14
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 1.04, with a Debt / Equity ratio of 5.37.

Current Ratio	1.04
Quick Ratio	0.46
Debt / Equity	5.37
Debt / EBITDA	n/a
Debt / FCF	-13.91
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.31% and return on invested capital (ROIC) is 1.96%.

Return on Equity (ROE)	12.31%
Return on Assets (ROA)	1.81%
Return on Invested Capital (ROIC)	1.96%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	601,776
Profits Per Employee	87,095
Employee Count	4,900
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:1AC has paid 42.87 million in taxes.

Income Tax	42.87M
Effective Tax Rate	9.13%

Stock Price Statistics

The stock price has decreased by -17.55% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-17.55%
50-Day Moving Average	104.25
200-Day Moving Average	96.19
Relative Strength Index (RSI)	33.30
Average Volume (20 Days)	1

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)	1.90

Income Statement

In the last 12 months, FRA:1AC had revenue of EUR 2.95 billion and earned 426.77 million in profits. Earnings per share was 7.92.

Revenue	2.95B
Gross Profit	2.63B
Operating Income	472.59M
Pretax Income	469.64M
Net Income	426.77M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	7.92

Balance Sheet

The company has 416.87 million in cash and 19.72 billion in debt, with a net cash position of -19.30 billion.

Cash & Cash Equivalents	416.87M
Total Debt	19.72B
Net Cash	-19.30B
Net Cash Per Share	n/a
Equity (Book Value)	3.67B
Book Value Per Share	70.49
Working Capital	613.20M

Cash Flow

In the last 12 months, operating cash flow was -1.41 billion and capital expenditures -10.15 million, giving a free cash flow of -1.42 billion.

Operating Cash Flow	-1.41B
Capital Expenditures	-10.15M
Free Cash Flow	-1.42B
FCF Per Share	n/a

Margins

Gross margin is 89.18%, with operating and profit margins of 16.03% and 14.47%.

Gross Margin	89.18%
Operating Margin	16.03%
Pretax Margin	15.93%
Profit Margin	14.47%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.04, which amounts to a dividend yield of 1.34%.

Dividend Per Share	1.04
Dividend Yield	1.34%
Dividend Growth (YoY)	0.23%
Years of Dividend Growth	2
Payout Ratio	12.48%
Buyback Yield	-0.99%
Shareholder Yield	0.35%
Earnings Yield	10.45%
FCF Yield	-34.70%

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