PennyMac Financial Statements From 2010 to 2024

Stocks . USA . 
Stock . PennyMac Finl Svcs
PFSI Stock  USD 106.87  0.51  0.48%   
PennyMac Finl financial statements provide useful quarterly and yearly information to potential PennyMac Finl Svcs investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on PennyMac Finl financial statements helps investors assess PennyMac Finl's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting PennyMac Finl's valuation are summarized below:
Gross Profit
1.4 B
Profit Margin
0.0612
Market Capitalization
5.5 B
Enterprise Value Revenue
9.8603
Revenue
2.8 B
We have found one hundred twenty available trending fundamental ratios for PennyMac Finl Svcs, which can be analyzed and compared to other ratios and to its competitors. Traders should compare all of PennyMac Finl Svcs recent fundamentals against the fundamentals between 2010 and 2024 to make sure the company is sustainable this year. The PennyMac Finl's current Market Cap is estimated to increase to about 679.7 M. The PennyMac Finl's current Enterprise Value is estimated to increase to about 5.1 B

PennyMac Finl Total Revenue

1.56 Billion

Check PennyMac Finl financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among PennyMac Finl's main balance sheet or income statement drivers, such as Depreciation And Amortization of 66.5 M, Interest Expense of 669.7 M or Selling General Administrative of 605.8 M, as well as many indicators such as Price To Sales Ratio of 3.31, Dividend Yield of 0.0089 or PTB Ratio of 1.36. PennyMac financial statements analysis is a perfect complement when working with PennyMac Finl Valuation or Volatility modules.
  
Check out the analysis of PennyMac Finl Correlation against competitors.

PennyMac Finl Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding57.6 M52.7 M52.7 M
Slightly volatile
Total Assets10.6 B18.8 B9.1 B
Slightly volatile
Short and Long Term Debt Total7.6 B13.5 B6.5 B
Slightly volatile
Total Current Liabilities3.9 B5.3 B3.3 B
Slightly volatile
Total Stockholder Equity3.7 B3.5 B1.5 B
Slightly volatile
Other Liabilities1.5 B1.5 B536.9 M
Slightly volatile
Property Plant And Equipment Net45.8 M68.9 M39.3 M
Slightly volatile
Net Debt7.3 B12.6 B6.2 B
Slightly volatile
Retained Earnings3.7 B3.5 B1.2 B
Slightly volatile
Accounts Payable489.7 M658.1 M421 M
Slightly volatile
Cash985.3 M938.4 M324.2 M
Slightly volatile
Non Current Assets Total18.8 B17.9 B4.4 B
Slightly volatile
Other Assets18.6 B17.7 B6.8 B
Slightly volatile
Cash And Short Term Investments996.1 M948.6 M377.5 M
Slightly volatile
Net Receivables125.6 M132.3 M3.5 B
Slightly volatile
Short Term Investments9.8 M10.3 M53.2 M
Pretty Stable
Liabilities And Stockholders Equity10.6 B18.8 B9.1 B
Slightly volatile
Non Current Liabilities Total10.6 B10.1 B4.4 B
Slightly volatile
Total Liabilities8.6 B15.3 B7.3 B
Slightly volatile
Property Plant And Equipment Gross139.2 M132.6 M49.8 M
Slightly volatile
Total Current Assets891.5 M938.4 M5.2 B
Slightly volatile
Short Term Debt3.1 B3.8 B2.7 B
Slightly volatile
Intangible Assets7.6 B7.2 B2.6 B
Slightly volatile
Common Stock4.3 K4.5 K1.9 M
Slightly volatile
Property Plant Equipment113.8 M108.4 M48.4 M
Slightly volatile
Common Stock Total Equity4.8 K5.8 K4 K
Slightly volatile
Retained Earnings Total Equity4.2 B4 B1.3 B
Slightly volatile
Additional Paid In Capital165.5 M183.7 M212.6 M
Slightly volatile
Net Tangible Assets4.2 B4 B1.6 B
Slightly volatile
Long Term Investments1.1 M1.1 M833.5 M
Pretty Stable
Short and Long Term Debt4.2 B3.8 B2.9 B
Slightly volatile
Long Term Debt Total1.3 B2.6 B933.1 M
Slightly volatile
Capital Surpluse137 M144.2 M376.4 M
Pretty Stable
Capital Lease Obligations73.6 M98.4 M52 M
Slightly volatile
Non Current Liabilities Other29.2 M30.8 M2.6 B
Pretty Stable
Net Invested Capital14.7 B17 B9.8 B
Slightly volatile
Net Working Capital7.2 B5.8 B5 B
Slightly volatile
Capital Stock5.2 K4.5 K7.2 K
Slightly volatile

PennyMac Finl Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization66.5 M70 M567.9 M
Slightly volatile
Interest Expense669.7 M637.8 M138.5 M
Slightly volatile
Selling General Administrative605.8 M577 M117 M
Slightly volatile
Total Revenue1.6 B1.4 B1.4 B
Slightly volatile
Gross Profit877.7 M1.3 B803.3 M
Slightly volatile
Other Operating Expenses987.8 M691.7 M904 M
Slightly volatile
EBITDA663.1 M710 M606.9 M
Slightly volatile
Cost Of Revenue92.2 M97.1 M589 M
Slightly volatile
Income Before Tax174.4 M183.6 M466 M
Slightly volatile
Net Income137.4 M144.7 M288 M
Slightly volatile
Selling And Marketing Expenses18.3 M17.6 M13.7 M
Slightly volatile
Net Income Applicable To Common Shares367.1 M546.8 M328.9 M
Slightly volatile
Net Income From Continuing Ops208.2 M219.1 M404.5 M
Slightly volatile
Non Recurring77.3 M107.6 M74.3 M
Slightly volatile
Tax Provision82.2 M86.5 M115.2 M
Slightly volatile
Interest Income261.3 M248.9 M121.2 M
Slightly volatile
Reconciled Depreciation63.7 M67.1 M225.5 M
Slightly volatile
Extraordinary Items11 M12.3 M13.4 M
Slightly volatile

PennyMac Finl Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation23.1 M27.6 M21.2 M
Slightly volatile
Begin Period Cash Flow1.4 B1.3 B288.6 M
Slightly volatile
Depreciation66.5 M70 M131.7 M
Pretty Stable
Capital Expenditures34.4 M36.2 M120.5 M
Very volatile
Net Income137.4 M144.7 M365.1 M
Slightly volatile
End Period Cash Flow985.3 M938.4 M323.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.313.1511.4339
Pretty Stable
Dividend Yield0.00890.00940.0201
Slightly volatile
PTB Ratio1.361.24811.2752
Slightly volatile
Days Sales Outstanding32.7234.4411503
Slightly volatile
Book Value Per Share37.2570.803243.5791
Slightly volatile
Stock Based Compensation To Revenue0.02270.01970.0208
Pretty Stable
Capex To Depreciation0.490.51662.8832
Slightly volatile
PB Ratio1.361.24811.2752
Slightly volatile
EV To Sales12.7112.1085.1839
Slightly volatile
Net Income Per Share4.812.89445.9286
Slightly volatile
Payables Turnover0.140.14751.389
Pretty Stable
Sales General And Administrative To Revenue0.150.14530.0509
Slightly volatile
Research And Ddevelopement To Revenue0.06720.0640.0287
Slightly volatile
Capex To Revenue0.02450.02580.1482
Slightly volatile
Cash Per Share19.9318.98119.2665
Slightly volatile
Payout Ratio0.30.28650.121
Slightly volatile
Days Payables Outstanding2.6 K2.5 K593
Slightly volatile
ROE0.03880.04090.1844
Pretty Stable
PE Ratio32.0630.531410.8572
Slightly volatile
Return On Tangible Assets0.01190.01250.0426
Slightly volatile
Earnings Yield0.03110.03280.1664
Pretty Stable
Intangibles To Total Assets0.220.38460.2594
Slightly volatile
Net Debt To EBITDA31.0929.606111.2047
Slightly volatile
Current Ratio0.160.17092.1539
Slightly volatile
Receivables Turnover11.1310.59783.1866
Slightly volatile
Graham Number49.5867.904258.2341
Slightly volatile
Shareholders Equity Per Share74.3470.803233.2288
Slightly volatile
Debt To Equity2.192.30524.4295
Very volatile
Capex Per Share0.690.72374.2905
Pretty Stable
Average Receivables3.4 B3.8 B4.1 B
Slightly volatile
Revenue Per Share26.9828.045533.2835
Slightly volatile
Interest Debt Per Share107176124
Slightly volatile
Debt To Assets0.480.43290.5879
Very volatile
Enterprise Value Over EBITDA42.0240.021115.4782
Slightly volatile
Price Earnings Ratio32.0630.531410.8572
Slightly volatile
Operating Cycle32.7234.4411688
Slightly volatile
Price Book Value Ratio1.361.24811.2752
Slightly volatile
Days Of Payables Outstanding2.6 K2.5 K593
Slightly volatile
Dividend Payout Ratio0.30.28650.121
Slightly volatile
Pretax Profit Margin0.120.1310.3253
Slightly volatile
Company Equity Multiplier8.845.32547.7167
Very volatile
Long Term Debt To Capitalization0.750.55390.6726
Very volatile
Total Debt To Capitalization0.620.69740.7565
Pretty Stable
Debt Equity Ratio2.192.30524.4295
Very volatile
Quick Ratio0.160.17092.054
Slightly volatile
Net Income Per E B T0.830.78780.3999
Slightly volatile
Cash Ratio0.180.17090.117
Very volatile
Days Of Sales Outstanding32.7234.4411503
Slightly volatile
Price To Book Ratio1.361.24811.2752
Slightly volatile
Fixed Asset Turnover19.3120.330937.3135
Pretty Stable
Enterprise Value Multiple42.0240.021115.4782
Slightly volatile
Debt Ratio0.480.43290.5879
Very volatile
Price Sales Ratio3.313.1511.4339
Pretty Stable
Return On Assets0.00730.00770.0338
Slightly volatile
Asset Turnover0.07070.07440.1914
Slightly volatile
Net Profit Margin0.0980.10320.1819
Pretty Stable
Gross Profit Margin0.980.93070.5375
Slightly volatile
Price Fair Value1.361.24811.2752
Slightly volatile
Return On Equity0.03880.04090.1844
Pretty Stable

PennyMac Finl Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap679.7 M647.3 M503.6 M
Slightly volatile
Enterprise Value5.1 B4.9 B4.4 B
Slightly volatile

PennyMac Fundamental Market Drivers

Forward Price Earnings7.8802
Cash And Short Term Investments948.6 M

PennyMac Upcoming Events

1st of February 2024
Upcoming Quarterly Report
View
25th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
1st of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About PennyMac Finl Financial Statements

Investors use fundamental indicators, such as PennyMac Finl's revenue or net income, to determine how well the company is positioned to perform in the future. Although PennyMac Finl's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Total Revenue1.4 B1.6 B
Cost Of Revenue97.1 M92.2 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.15  0.15 
Research And Ddevelopement To Revenue 0.06  0.07 
Capex To Revenue 0.03  0.02 
Revenue Per Share 28.05  26.98 
Ebit Per Revenue 0.73  0.77 

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When determining whether PennyMac Finl Svcs offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of PennyMac Finl's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pennymac Finl Svcs Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pennymac Finl Svcs Stock:
How To Invest In PennyMac
Details
Is PennyMac Stock a good investment?
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What is PennyMac Finl's Net Worth?
Details
Largest Commercial & Residential Mortgage Finance Companies
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Largest Financial Services Companies
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Check out the analysis of PennyMac Finl Correlation against competitors.
You can also try the Theme Ratings module to determine theme ratings based on digital equity recommendations. Macroaxis theme ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Commercial & Residential Mortgage Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PennyMac Finl. If investors know PennyMac will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PennyMac Finl listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.27)
Dividend Share
1
Earnings Share
3.18
Revenue Per Share
54.823
Quarterly Revenue Growth
4.826
The market value of PennyMac Finl Svcs is measured differently than its book value, which is the value of PennyMac that is recorded on the company's balance sheet. Investors also form their own opinion of PennyMac Finl's value that differs from its market value or its book value, called intrinsic value, which is PennyMac Finl's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PennyMac Finl's market value can be influenced by many factors that don't directly affect PennyMac Finl's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Please note, there is a significant difference between PennyMac Finl's value and its price as these two are different measures arrived at by different means. Investors typically determine if PennyMac Finl is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PennyMac Finl's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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