PennyMac Financial Services, Inc. (PFSI)
NYSE: PFSI · Real-Time Price · USD
60.61
-0.12 (-0.20%)
At close: Nov 13, 2026, 4:00 PM EST
60.61
0.00 (0.00%)
After-hours: Nov 13, 2026, 7:30 PM EST
PFSI Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 239.53 | 501.08 | 311.42 | 144.66 | 475.51 | 1,003 |
Depreciation & Amortization | 24 | 22.01 | 21.49 | 26.56 | 26.29 | 22.73 |
Other Amortization | 83.37 | 80.1 | 76.98 | 64.89 | 43.15 | 44.53 |
Gain on Sale of Loans & Receivables | -1,117 | -1,072 | -817.37 | -545.94 | -791.63 | -2,464 |
Loss (Gain) From Sale of Investments | 0.33 | 0 | 0.18 | -0.19 | 0.37 | -0.2 |
Asset Writedown & Restructuring Costs | 1.84 | 4.6 | 0.15 | 0.05 | - | 0.73 |
Stock-Based Compensation | 21.05 | 36.23 | 20.87 | 27.58 | 42.55 | 37.79 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | -789.29 | -2,648 | -5,274 | -2,190 | 5,677 | 3,102 |
Change in Accounts Payable | -19.65 | 262.85 | -78.65 | 121.68 | -109.49 | 34.67 |
Change in Income Taxes | 77.9 | 53.02 | 88.12 | 40.14 | 317.48 | 62.56 |
Change in Other Net Operating Assets | -370.43 | -326.75 | -219 | -150.58 | 97.67 | -119.86 |
Other Operating Activities | 1,615 | 1,435 | 1,336 | 878.95 | 254.68 | 838.88 |
Operating Cash Flow | -233.76 | -1,652 | -4,533 | -1,582 | 6,033 | 2,563 |
Operating Cash Flow Growth | - | - | - | - | 135.39% | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -17.85 | -11.92 | -1.72 | -1.39 | -7.16 | -7.9 |
Sale of Property, Plant & Equipment | - | - | - | 1 | - | - |
Sale (Purchase) of Intangibles | 400.17 | 575.95 | -20.38 | -34.78 | -75.93 | -48.98 |
Investment in Securities | -130 | 203.65 | -1,047 | 99.99 | -5.32 | 8.34 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | - | - | - | - | - | 80.86 |
Other Investing Activities | -1,522 | -215.18 | -818.92 | -338.11 | -633.17 | -336.7 |
Investing Cash Flow | -1,270 | 552.49 | -1,888 | -273.29 | -721.58 | -304.37 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 170,258 | 132,155 | 107,587 | 94,389 | 159,964 |
Long-Term Debt Issued | - | 2,925 | 1,700 | 1,755 | 650 | 1,150 |
Total Debt Issued | 171,942 | 173,183 | 133,855 | 109,342 | 95,039 | 161,114 |
Short-Term Debt Repaid | - | -169,952 | -127,181 | -106,663 | -98,874 | -162,373 |
Long-Term Debt Repaid | - | -1,950 | -875 | -1,075 | -3.49 | -143 |
Total Debt Repaid | -170,690 | -171,902 | -128,056 | -107,738 | -98,877 | -162,516 |
Net Debt Issued (Repaid) | 1,252 | 1,281 | 5,799 | 1,603 | -3,838 | -1,401 |
Issuance of Common Stock | 7.29 | 12.84 | 20.06 | 17.22 | 2.95 | 7.54 |
Repurchase of Common Stock | -56.22 | -8.5 | -9.4 | -80.63 | -413.87 | -967.19 |
Common Dividends Paid | -63.3 | -62.55 | -52.16 | -41.45 | -54.62 | -52.9 |
Other Financing Activities | -24.77 | -60.04 | -35.92 | -33.02 | -19.61 | -37.57 |
Financing Cash Flow | 1,115 | 1,163 | 5,721 | 1,465 | -4,323 | -2,451 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -388.57 | 63.2 | -699.89 | -390.17 | 988.45 | -192.69 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -251.61 | -1,664 | -4,535 | -1,584 | 6,026 | 2,555 |
Free Cash Flow Growth | - | - | - | - | 135.84% | - |
Free Cash Flow Margin | -11.89% | -48.06% | -223.84% | -78.96% | 370.04% | 71.33% |
Free Cash Flow Per Share | -4.69 | -30.88 | -85.00 | -30.03 | 107.70 | 37.87 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 1,032 | 955.7 | 797.21 | 639.49 | 329.98 | 389.53 |
Cash Income Tax Paid | - | -2.68 | 1.49 | -1.17 | -127.74 | 293.13 |