PennyMac Financial Services, Inc.
PFSIFinancial ServicesNASDAQMortgage Finance · Last scanned Jun 3, 2026
Scan Results
Daily timeframePennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. With a market capitalization of $4.36B, it sits in mid-cap territory. The company operates through two segments, Production and Servicing.
Market Cap
$4.36B
Beta
1.49
P/E (TTM)
8.93
P/E (Fwd)
5.89
EPS (TTM)
$9.41
EPS (Fwd)
$14.26
ROE
12.3%
ROA
1.8%
Cash
$502.1M
Total Debt
$25.88B
Free CF
—
52W Change
-11.5%
Annual Financials
Cash vs Debt
On the balance sheet, PFSI has $502.1M in cash with $25.88B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 12.3%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.8% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $2.32B (2022) to $4.42B (2025), reflecting a 90% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for PennyMac Financial Services, Inc. and its sector.