PennyMac Financial Services financials
$63.61−0.08%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.08B | $1.62B | $1.41B | $2.03B | $3.26B | $3.73B | $1.40B | $1.15B |
| Gross profit | $2.08B | $1.62B | $1.41B | $2.03B | $3.26B | $3.73B | $1.40B | $1.15B |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating income | $587.5M | $426.8M | $188.5M | $706.6M | $1.45B | $2.27B | $452.7M | $184.9M |
| Net income | $501.1M | $311.4M | $144.7M | $475.5M | $1.00B | $1.65B | $393.0M | $87.7M |
| Net margin | 24.1% | 19.2% | 10.3% | 23.5% | 30.8% | 44.2% | 28.1% | 7.6% |
| Diluted EPS | $9.30 | $5.84 | $2.74 | $8.50 | $14.87 | $20.92 | $4.89 | $2.59 |
| EBITDA | $2.06B | $916.1M | $847.3M | $741.0M | $1.48B | $2.29B | $477.9M | $197.9M |
| Operating cash flow | -$1.65B | -$4.53B | -$1.58B | $6.03B | $2.56B | -$6.20B | -$2.25B | $572.4M |
| Free cash flow | -$1.66B | -$4.53B | -$1.58B | $6.03B | $2.56B | -$6.21B | -$2.25B | $559.0M |
| Diluted shares | 53.9M | 53.4M | 52.7M | 56.0M | 67.5M | 78.7M | 80.3M | 35.3M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $301.7M | $238.5M | $938.4M | $1.33B | $340.1M | $532.7M |
| Short-term investments | $410.0M | $420.6M | $10.3M | $12.2M | $6.9M | $15.2M |
| Total debt | $6.85B | $5.71B | $4.84B | $4.01B | $10.85B | $12.31B |
| Total assets | $29.39B | $26.09B | $18.84B | $16.82B | $18.78B | $31.60B |
| Total liabilities | $25.08B | $22.26B | $15.31B | $13.35B | $15.36B | $28.21B |
| Shareholders' equity | $4.31B | $3.83B | $3.54B | $3.47B | $3.42B | $3.39B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology