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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 924.95 | 924.45 | 793.57 | 632.92 | 294.06 | 300.17 |
Total Interest Expense | 1,037 | 960.56 | 819.35 | 637.78 | 335.43 | 390.7 |
Net Interest Income | -112.38 | -36.11 | -25.78 | -4.85 | -41.37 | -90.53 |
Mortgage Banking | 257.33 | 235.84 | 185.7 | 146.12 | 169.86 | 384.15 |
Gain (Loss) on Sale of Loans & Receivables | 1,117 | 1,072 | 817.37 | 545.94 | 791.63 | 2,464 |
Gain (Loss) on Sale of Investments | -0.21 | 0.12 | -0.06 | 0.31 | -0.24 | 0.34 |
Other Revenue | -1,322 | 100.46 | -779.32 | -195.55 | -551.1 | -288.96 |
Revenue Before Loan Losses | 2,115 | 3,462 | 2,026 | 2,006 | 1,628 | 3,582 |
| 2,115 | 3,462 | 2,026 | 2,006 | 1,628 | 3,582 | |
Revenue Growth | -22.33% | 70.88% | 1.01% | 23.16% | -54.54% | -30.86% |
Salaries & Employee Benefits | 860.67 | 782.92 | 632.74 | 576.96 | 735.23 | 999.8 |
Cost of Services Provided | 809.88 | 652.06 | 512.35 | 441.75 | 533.36 | 756.22 |
Other Operating Expenses | 129.78 | 1,472 | 478.36 | 640.52 | -309.41 | 466.38 |
Total Operating Expenses | 1,800 | 2,907 | 1,623 | 1,659 | 959.17 | 2,222 |
Operating Income | 314.96 | 554.87 | 402.56 | 346.45 | 669.32 | 1,360 |
EBT Excluding Unusual Items | 315.01 | 556.01 | 402.76 | 346.45 | 669.9 | 1,360 |
Pretax Income | 313.17 | 551.42 | 401.03 | 183.63 | 665.25 | 1,359 |
Income Tax Expense | 73.64 | 50.34 | 89.6 | 38.98 | 189.74 | 355.69 |
Earnings From Continuing Ops. | 239.53 | 501.08 | 311.42 | 144.66 | 475.51 | 1,003 |
Net Income | 239.53 | 501.08 | 311.42 | 144.66 | 475.51 | 1,003 |
Net Income to Common | 239.53 | 501.08 | 311.42 | 144.66 | 475.51 | 1,003 |
Net Income Growth | -51.97% | 60.90% | 115.28% | -69.58% | -52.62% | -39.07% |
Shares Outstanding (Basic) | 52 | 52 | 51 | 50 | 53 | 64 |
Shares Outstanding (Diluted) | 54 | 54 | 53 | 53 | 56 | 67 |
Shares Change | -0.10% | 0.99% | 1.18% | -5.75% | -17.08% | -14.30% |
EPS (Basic) | 4.61 | 9.69 | 6.11 | 2.89 | 8.96 | 15.73 |
EPS (Diluted) | 4.46 | 9.30 | 5.84 | 2.74 | 8.50 | 14.87 |
EPS Growth | -52.05% | 59.25% | 113.14% | -67.77% | -42.84% | -28.92% |
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 |
Free Cash Flow | -251.61 | -1,664 | -4,535 | -1,584 | 6,026 | 2,555 |
Free Cash Flow Per Share | -4.69 | -30.88 | -85.00 | -30.03 | 107.70 | 37.87 |
Dividend Per Share | 1.200 | 1.200 | 1.100 | 0.800 | 0.800 | 0.800 |
Dividend Growth | 0% | 9.09% | 37.50% | 0% | 0% | 35.59% |
Operating Margin | 14.89% | 16.03% | 19.87% | 17.27% | 41.10% | 37.96% |
Profit Margin | 11.32% | 14.47% | 15.37% | 7.21% | 29.20% | 28.01% |
Free Cash Flow Margin | -11.89% | -48.06% | -223.84% | -78.96% | 370.04% | 71.33% |
Effective Tax Rate | 23.51% | 9.13% | 22.34% | 21.22% | 28.52% | 26.17% |