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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)2.58bn
- Net income in USD348.40m
- Incorporated2018
- Employees4.46k
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United Community Banks Inc | 1.38bn | 253.35m | 3.86bn | 2.98k | 15.06 | 1.11 | -- | 4.02 | 2.11 | 2.11 | 8.01 | 29.29 | -- | -- | -- | -- | 0.9456 | 1.04 | -- | -- | -- | -- | 27.18 | 28.08 | -- | -- | -- | 39.86 | 11.37 | 20.04 | 35.27 | 5.82 | 17.57 | 6.69 |
| Texas Capital Bancshares Inc | 1.74bn | 81.16m | 3.94bn | 1.82k | 50.96 | 1.26 | 29.47 | 4.12 | 1.68 | 1.68 | 20.39 | 74.52 | -- | -- | -- | -- | 0.325 | 0.5715 | -- | -- | -- | -- | 10.29 | 17.70 | -- | -- | -- | 0.00 | 6.11 | 5.01 | -64.94 | -27.57 | 31.24 | -- |
| Dun & Bradstreet Holdings Inc | 2.40bn | -21.20m | 4.06bn | 6.25k | -- | 1.23 | 7.28 | 1.69 | -0.049 | -0.049 | 5.53 | 7.38 | 0.2705 | -- | 12.40 | 383,704.20 | -0.2257 | -0.6606 | -0.2555 | -0.7434 | 62.31 | 66.17 | -0.8344 | -2.85 | -- | 1.29 | 0.5159 | -- | 2.93 | 8.38 | 39.15 | -- | 23.58 | -- |
| Associated Banc-Corp | 2.13bn | 131.35m | 4.29bn | 4.00k | 30.35 | 0.9544 | 22.40 | 4.05 | 0.852 | 0.852 | 6.76 | 28.27 | -- | -- | -- | -- | 0.3402 | 0.7126 | -- | -- | -- | -- | 13.56 | 23.27 | -- | -- | -- | 49.53 | 8.41 | 12.60 | -34.89 | -18.55 | -7.78 | 5.22 |
| ServisFirst Bancshares Inc | 960.51m | 240.38m | 4.53bn | 636.00 | 18.84 | 2.71 | 18.46 | 9.01 | 4.40 | 4.40 | 9.19 | 30.56 | -- | -- | -- | -- | 1.40 | 1.49 | -- | -- | -- | -- | 47.87 | 48.02 | -- | -- | -- | 25.04 | 16.34 | 19.34 | 9.86 | 8.78 | 14.55 | 14.59 |
| Federal Home Loan Mortgage Corp | 122.72bn | -54.00m | 5.19bn | 8.08k | -- | -- | -- | 0.0423 | -0.0167 | -0.0167 | 37.95 | 96.00 | 0.0367 | -- | -- | 15,195,640.00 | 0.355 | 0.3426 | 0.3615 | 0.351 | 101.27 | -- | 9.69 | 11.52 | -- | 1.14 | 0.9816 | 0.00 | 13.09 | 9.87 | 103.01 | -- | -- | -- |
| Hancock Whitney Corp | 1.67bn | 468.94m | 5.23bn | 3.48k | 11.28 | 1.23 | 10.20 | 3.59 | 5.41 | 5.41 | 16.82 | 49.73 | -- | -- | -- | -- | 1.35 | 1.03 | -- | -- | -- | -- | 32.38 | 26.49 | -- | -- | -- | 29.60 | 4.47 | 8.50 | 17.81 | 7.30 | -24.85 | 6.79 |
| Willscot Holdings Corp | 2.37bn | 14.94m | 5.27bn | 4.50k | 395.35 | 5.23 | 14.27 | 2.23 | 0.0731 | 0.0731 | 12.52 | 5.52 | 0.3901 | 22.71 | 5.56 | 526,241.80 | 0.2462 | 2.99 | 0.2736 | 3.30 | 54.28 | 53.04 | 0.6311 | 8.44 | 0.7576 | 2.52 | 0.7817 | 0.00 | 1.31 | 17.63 | -91.77 | -- | 6.99 | -- |
| PennyMac Financial Services Inc | 2.58bn | 348.40m | 5.29bn | 4.46k | 15.72 | 1.36 | 12.66 | 2.05 | 6.52 | 6.52 | 48.25 | 75.57 | 0.1182 | -- | 33.83 | 579,267.10 | 1.60 | 3.44 | 2.65 | 5.57 | 66.61 | 82.84 | 13.50 | 25.03 | -- | -- | 0.773 | 6.48 | 18.32 | 7.39 | 115.29 | -4.54 | -39.06 | 52.81 |
| Columbia Banking System Inc | 2.72bn | 496.20m | 5.37bn | 4.72k | 10.79 | 1.02 | 8.38 | 2.76 | 2.37 | 2.37 | 9.29 | 24.93 | -- | -- | -- | -- | 0.9566 | 1.04 | -- | -- | -- | -- | 25.49 | 25.36 | -- | -- | -- | 57.12 | 8.50 | 39.05 | 53.04 | 22.57 | 33.39 | 5.15 |
| First Financial Bankshares Inc | 646.53m | 231.46m | 5.40bn | 1.40k | 23.37 | 3.21 | 22.03 | 9.47 | 1.62 | 1.62 | 3.98 | 11.75 | -- | -- | -- | -- | 1.68 | 1.78 | -- | -- | -- | -- | 40.60 | 42.15 | -- | -- | -- | 41.75 | 19.10 | 14.53 | 12.33 | 6.28 | 14.03 | 9.86 |
| FNB Corp | 2.27bn | 460.00m | 5.61bn | 4.10k | 12.29 | 0.8724 | 10.27 | 3.50 | 1.27 | 1.27 | 4.41 | 17.86 | -- | -- | -- | -- | 0.9693 | 0.9971 | -- | -- | -- | -- | 28.75 | 29.42 | -- | -- | -- | 40.84 | 14.14 | 12.55 | -3.77 | 3.90 | 24.75 | 0.00 |
| GATX Corp | 1.63bn | 288.50m | 5.68bn | 2.15k | 19.83 | 2.23 | 9.03 | 3.49 | 8.03 | 8.03 | 45.29 | 71.46 | 0.1326 | -- | 7.32 | 756,837.20 | 1.63 | 1.48 | 1.73 | 1.64 | 75.81 | 74.92 | 12.31 | 10.99 | -- | 1.44 | 0.7745 | 38.98 | 12.38 | 5.69 | 9.65 | 9.47 | 18.26 | 4.75 |
| BOK Financial Corp | 2.61bn | 554.06m | 6.62bn | 5.03k | 11.81 | 1.15 | 9.94 | 3.15 | 8.72 | 8.72 | 33.00 | 89.82 | -- | -- | -- | -- | 1.11 | 1.09 | -- | -- | -- | -- | 26.68 | 26.82 | -- | -- | -- | 27.56 | 12.55 | 11.47 | -1.50 | 0.8321 | -14.91 | 2.01 |
| Air Lease Corp | 2.81bn | 639.38m | 6.68bn | 165.00 | 10.46 | 0.849 | 3.70 | 2.38 | 5.71 | 5.71 | 25.10 | 70.38 | 0.0888 | -- | -- | 17,021,990.00 | 2.20 | 1.38 | 2.42 | 1.49 | -- | -- | 24.77 | 16.03 | -- | 2.01 | 0.7166 | 24.15 | 1.81 | 6.27 | -35.06 | -8.34 | 0.7954 | 9.50 |
| Prosperity Bancshares Inc | 1.63bn | 499.19m | 7.04bn | 3.92k | 14.11 | 0.936 | 13.17 | 5.76 | 5.23 | 5.23 | 12.81 | 78.91 | -- | -- | -- | -- | 1.29 | 1.34 | -- | -- | -- | -- | 40.85 | 43.00 | -- | -- | -- | 39.30 | 12.40 | 14.28 | 14.33 | 7.59 | 2.61 | 1.48 |
Data as of Jul 03 2025. Currency figures normalised to PennyMac Financial Services Inc's reporting currency: US Dollar USD
68.83%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Highfields Capital Management LPas of 31 Mar 2024 | 15.74m | 30.61% |
| MFN Partners Management LPas of 02 May 2025 | 4.53m | 8.81% |
| T. Rowe Price Investment Management, Inc.as of 31 Mar 2025 | 4.29m | 8.34% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 2.80m | 5.44% |
| BlackRock Fund Advisorsas of 31 Mar 2025 | 1.91m | 3.71% |
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 1.82m | 3.54% |
| Fidelity Management & Research Co. LLCas of 31 Mar 2025 | 1.26m | 2.45% |
| Invesco Advisers, Inc.as of 31 Mar 2025 | 1.20m | 2.33% |
| SSgA Funds Management, Inc.as of 31 Mar 2025 | 931.05k | 1.81% |
| Orbis Investment Management Ltd.as of 31 Mar 2025 | 926.78k | 1.80% |
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Data from 31 Mar 2024 - 31 Mar 2025Source: FactSet Research Systems Inc.
