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About the company
PennyMac Financial Services, Inc. is a specialty financial services company, which is focused on the production and servicing of the United States mortgage loans and the management of investments related to the United States mortgage market. The Company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities for its account, as well as for PennyMac Mortgage Investment Trust (PMT). Its loan production segment sources new prime credit quality residential conventional and government-insured or guaranteed mortgage loans through three channels: correspondent production, broker direct lending and consumer direct lending. The servicing segment performs loan servicing for both newly originated loans it is holding for sale and loans its services for others, including for PMT. Its loan servicing segment performs loan administration, collection, and default management activities.
- Revenue in USD (TTM)3.01bn
- Net income in USD501.08m
- Incorporated2018
- Employees5.03k
- LocationPennyMac Financial Services Inc3043 Townsgate RoadWESTLAKE VILLAGE 91361United StatesUSA
- Phone+1 (818) 224-7442
- Fax+1 (302) 655-5049
- Websitehttps://pfsi.pennymac.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Miami International Holdings Inc | 1.32bn | -97.08m | 3.53bn | -- | -- | 4.04 | -- | 2.68 | -1.39 | -1.39 | 16.73 | 10.22 | 1.26 | -- | 14.77 | -- | -9.26 | -- | -13.59 | -- | 29.41 | -- | -7.36 | -- | -- | 1.40 | 0.0079 | -- | 9.52 | -- | 588.86 | -- | -- | -- |
| Cathay General Bancorp | 1.31bn | 315.12m | 3.64bn | 1.27k | 11.93 | 1.25 | 15.86 | 4.45 | 4.54 | 4.54 | 11.77 | 43.53 | -- | -- | -- | -- | 1.33 | 1.46 | -- | -- | -- | -- | 38.53 | 42.47 | -- | -- | -- | 29.84 | -1.93 | 13.32 | 10.19 | 6.61 | -- | 1.86 |
| WSFS Financial Corp | 1.02bn | 287.35m | 3.76bn | 2.34k | 13.82 | 1.37 | 16.01 | 3.53 | 5.10 | 5.10 | 18.88 | 51.27 | -- | -- | -- | -- | 1.36 | 1.38 | -- | -- | -- | -- | 26.95 | 28.14 | -- | -- | -- | 12.60 | -4.13 | 14.67 | 8.98 | 20.51 | -- | 6.58 |
| Willscot Holdings Corp | 2.32bn | 223.54m | 3.94bn | 4.50k | 18.14 | 3.71 | 6.66 | 1.70 | 1.19 | 1.19 | 12.45 | 5.83 | 0.3818 | 22.98 | 5.46 | 515,108.90 | 3.68 | 2.99 | 4.12 | 3.30 | 52.39 | 53.04 | 9.64 | 8.44 | 0.7228 | 2.30 | 0.7734 | 0.00 | 1.31 | 17.63 | -91.77 | -- | 6.99 | -- |
| Fulton Financial Corp | 1.62bn | 381.36m | 4.09bn | 3.40k | 10.92 | 1.17 | 12.64 | 3.11 | 2.08 | 2.08 | 7.16 | 19.40 | -- | -- | -- | -- | 1.22 | 1.08 | -- | -- | -- | -- | 29.82 | 27.38 | -- | -- | -- | 38.90 | 2.19 | 16.83 | 36.94 | 16.74 | -- | 7.02 |
| Independent Bank Corp (Massachusetts) | 1.02bn | 205.12m | 4.22bn | 1.84k | 19.14 | 1.18 | 26.06 | 4.92 | 4.45 | 4.45 | 18.58 | 72.41 | -- | -- | -- | -- | 0.9263 | 1.05 | -- | -- | -- | -- | 23.92 | 29.07 | -- | -- | -- | 50.19 | 19.89 | 20.52 | 6.79 | 12.01 | -- | 5.33 |
| United Community Banks Inc | 1.38bn | 318.18m | 4.33bn | 3.06k | 13.70 | 1.19 | -- | 4.07 | 2.62 | 2.62 | 8.76 | 30.17 | -- | -- | -- | -- | 1.18 | 1.07 | -- | -- | -- | -- | 30.86 | 29.19 | -- | -- | -- | 39.32 | 0.3773 | 19.90 | 30.07 | 14.84 | -- | 6.36 |
| Texas Capital Bancshares Inc | 1.77bn | 312.99m | 4.63bn | 1.82k | 15.39 | 1.39 | 18.30 | 3.69 | 6.80 | 6.80 | 27.21 | 82.06 | -- | -- | -- | -- | 1.06 | 0.7543 | -- | -- | -- | -- | 26.30 | 21.93 | -- | -- | -- | -- | 2.44 | 11.26 | 419.42 | 40.81 | -- | -- |
| Federal Home Loan Mortgage Corp | 127.96bn | -34.00m | 4.70bn | 8.08k | -- | -- | -- | 0.0367 | -0.0105 | -0.0105 | 39.57 | 103.99 | 0.0376 | -- | -- | 15,844,480.00 | 0.3282 | 0.3426 | 0.3333 | 0.351 | 101.14 | -- | 8.73 | 11.52 | -- | 1.13 | 0.9804 | 0.00 | 13.09 | 9.87 | 103.01 | -- | -- | -- |
| ServisFirst Bancshares Inc | 990.43m | 276.54m | 4.71bn | 650.00 | 17.05 | 2.55 | 24.34 | 8.38 | 5.06 | 5.06 | 10.29 | 33.86 | -- | -- | -- | -- | 1.58 | 1.49 | -- | -- | -- | -- | 49.18 | 48.59 | -- | -- | -- | 25.89 | 4.68 | 20.55 | 21.73 | 10.28 | -- | 13.82 |
| Associated Banc-Corp | -100.00bn | -100.00bn | 4.85bn | 4.00k | -- | 1.02 | -- | -- | -- | -- | -- | 29.98 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| PennyMac Financial Services Inc | 3.01bn | 501.08m | 4.94bn | 5.03k | 10.19 | 1.15 | 11.33 | 1.64 | 9.31 | 9.31 | 55.87 | 82.77 | 0.1084 | -- | 59.32 | -- | 1.81 | 2.19 | 3.08 | 3.57 | 68.06 | 76.43 | 16.66 | 18.26 | -- | -- | 0.7841 | 9.83 | 24.62 | -5.44 | 60.90 | -21.18 | -- | 17.32 |
| First Financial Bankshares Inc | 702.48m | 253.59m | 4.95bn | 1.40k | 19.54 | 2.58 | 25.95 | 7.83 | 1.77 | 1.77 | 4.40 | 13.39 | -- | -- | -- | -- | 1.72 | 1.72 | -- | -- | -- | -- | 40.15 | 41.85 | -- | -- | -- | 42.07 | 11.70 | 14.04 | 13.45 | 4.65 | -- | 8.16 |
| Eastern Bankshares Inc | 1.16bn | 88.21m | 5.18bn | 1.81k | 53.93 | 1.19 | 247.09 | 7.16 | 0.4074 | 0.4074 | 3.55 | 18.42 | -- | -- | -- | -- | 0.3142 | 0.4109 | -- | -- | -- | -- | 12.21 | 16.23 | -- | -- | -- | 87.00 | 22.97 | 23.01 | -26.23 | 31.14 | -- | -- |
| Flagstar Bank NA | 4.47bn | -210.00m | 5.91bn | 6.99k | -- | 0.7733 | -- | 2.86 | -0.5108 | -0.5108 | 4.84 | 19.58 | -- | -- | -- | -- | -0.1886 | -0.0294 | -- | -- | -- | -- | -8.58 | -0.9573 | -- | -- | -- | -- | -24.98 | 21.20 | 81.79 | -- | -- | -54.45 |
| Hancock Whitney Corp | 1.61bn | 484.03m | 6.15bn | 3.63k | 12.98 | 1.36 | 15.82 | 4.06 | 5.67 | 5.67 | 17.74 | 54.22 | -- | -- | -- | -- | 1.38 | 1.32 | -- | -- | -- | -- | 32.08 | 33.12 | -- | -- | -- | 24.66 | -4.63 | 8.82 | 5.73 | -- | -- | 10.76 |
Data as of Feb 10 2026. Currency figures normalised to PennyMac Financial Services Inc's reporting currency: US Dollar USD
39.26%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| MFN Partners Management LPas of 02 Feb 2026 | 4.53m | 8.72% |
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2025 | 3.74m | 7.20% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 2.59m | 4.99% |
| Fidelity Management & Research Co. LLCas of 30 Sep 2025 | 2.34m | 4.51% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 1.89m | 3.64% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 1.74m | 3.35% |
| Invesco Advisers, Inc.as of 30 Sep 2025 | 1.34m | 2.59% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 856.09k | 1.65% |
| Geode Capital Management LLCas of 30 Sep 2025 | 695.51k | 1.34% |
| Citadel Advisors LLCas of 30 Sep 2025 | 662.09k | 1.27% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
