PennyMac Financial Services, Inc. (PFSI)
PennyMac Financial Services, Inc. brought in $2B of revenue over the twelve months to September 30, 2026, up 3.5% from a year earlier. Net income was $239.5M, a net margin of 11.7%. In fiscal 2025 capital spending exceeded operating cash flow by $1.7B. At September 30, 2026 it held $233.4M in cash against $6.5B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 3, 2026.
Key facts about PennyMac Financial Services, Inc.
- Net worth
- PennyMac Financial Services, Inc. has a market value (market cap) of $3.3B at the latest share price, and shareholders' equity of $4.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $2B (+28.4% year on year), with net income of $501.1M. Over the 12 months to September 30, 2026: revenue $2B, net income $239.5M.
- Cash flow
- In fiscal 2025 operations used $1.7B of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 3, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- PennyMac Financial Services, Inc.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- PennyMac Financial Services, Inc. declared dividends of $1.20 per share in fiscal 2025, a yield of 1.91% at the current price.
What PennyMac Financial Services, Inc. does
PennyMac Financial Services, Inc. is registered with the SEC under industry code SIC 6162 (Mortgage Bankers & Loan Correspondents). Its shares trade on NYSE under the ticker PFSI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $2B | $501.1M | $9.30 | -$1.7B |
| 2024 | $1.6B | $311.4M | $5.84 | -$4.5B |
| 2023 | $1.4B | $144.7M | $2.74 | -$1.6B |
| 2022 | $2B | $475.5M | $8.50 | $6B |
| 2021 | $3.2B | $1B | $14.87 | $2.6B |
| 2020 | $3.7B | $1.6B | $20.92 | -$6.2B |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where PFSI ranks in Finance
Dividends
PennyMac Financial Services, Inc. declared $1.20 per share in fiscal 2025. At the current price that is a yield of 1.91%. It paid out $62.6M in cash dividends, 12% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.20 | $62.6M | 12% |
| 2024 | $1.00 | $52.2M | 17% |
| 2023 | $0.80 | $41.4M | 29% |
| 2022 | $0.80 | $54.6M | 11% |
| 2021 | n/a | $52.9M | 5% |
| 2020 | n/a | $30.9M | 2% |
Latest SEC filings
What PennyMac Financial Services, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 3, 2026Quarterly report 10-Q · period to September 30, 2026Revenue fell 26% to $468.8M versus the same quarter last year; diluted EPS $0.54 versus $3.37.
- October 29, 2026
- September 14, 2026
- August 4, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 12% to $497M versus the same quarter last year; diluted EPS $0.41 versus $2.54.
- July 29, 2026
- June 11, 2026
- June 4, 2026
- June 4, 2026
- May 5, 2026Quarterly report 10-Q · period to March 31, 2026Revenue rose 26% to $545M versus the same quarter last year; diluted EPS $1.53 versus $1.42.
- May 5, 2026
Insider trades
What the people running PennyMac Financial Services, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 3 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 3, 2026 | Chandra SunilDirector | Received as pay | 550 | $31.8K |
| November 2, 2026 | Spector DavidChairman & CEO, Director | Other change | 25,000 | - |
| November 2, 2026 | Nanji FarhadDirector | Received as pay | 545 | $31.5K |
| July 31, 2026 | Chandra SunilDirector | Received as pay | 377 | $31K |
| July 31, 2026 | Nanji FarhadDirector | Received as pay | 379 | $31.1K |
| July 31, 2026 | Spector DavidChairman & CEO, Director | Other change | 25,000 | - |
| July 1, 2026 | Hendry Gregory LMD, Chief Accounting Officer | Exercised options | 2,177 | $53.1K |
| July 1, 2026 | Hendry Gregory LMD, Chief Accounting Officer | Soldpre-planned (10b5-1) | 2,177 | $189.2K |
Who owns PFSI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| T. Rowe Price Investment Management, Inc.13G, passive | 7.2% | November 14, 2025 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 230 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| MFN Partners Management, LP | 4,531,792 | 0 |
| BlackRock, Inc. | 2,327,613 | +123,932 |
| Dimensional Fund Advisors LP | 2,130,571 | +214,300 |
| Donald Smith & CO., Inc. | 1,882,201 | +509,997 |
| Rubric Capital Management LP | 1,700,000 | +1,645,273 |
| Vanguard Portfolio Management LLC | 1,659,677 | +1,592 |
| Vanguard Capital Management LLC | 1,293,868 | +1,283 |
| Invesco Ltd. | 1,007,153 | +158,040 |
| State Street Corp | 922,212 | +65,060 |
| Goldman Sachs Group Inc | 819,763 | +149,912 |
| Fmr LLC | 807,585 | +58,244 |
| Geode Capital Management, LLC | 758,664 | +50,720 |
| American Century Companies Inc | 649,995 | +217,510 |
| Symmetry Investments LP | 496,742 | +373,246 |
| Charles Schwab Investment Management Inc | 482,441 | +13,669 |
| Millennium Management LLC | 449,157 | -1,936,603 |
| Senvest Management, LLC | 401,757 | -106,876 |
| Ameriprise Financial Inc | 397,792 | +131,192 |
| BlueCrest Capital Management Ltd | 396,103 | +45,008 |
| Wellington Management Group Llp | 348,769 | +76,499 |
Insiders
17 insiders reported holding 1,661,122 shares in total, about $104.3M at the last price.
| Holder | Shares |
|---|---|
| Spector DavidChairman & CEO, Director | 515,00560,604 held indirectly |
| Jones DougDirector, President & CMBO, Director | 439,088410,000 held indirectly |
| Perotti Daniel StanleyChief Financial Officer | 226,326210,625 held indirectly |
| Nanji FarhadDirector | 188,761 |
| Mazzella Joseph FDirector | 81,905 |
| Hendry Gregory LMD, Chief Accounting Officer | 48,968 |
| Kinsella PatrickDirector | 34,210 |
| Tozer Theodore WDirector | 26,998 |
| Stark DerekChief Legal Officer | 20,944 |
| Perlowitz Jeffrey A.Director | 20,302 |
Questions about PFSI
What does PennyMac Financial Services, Inc. do?
PennyMac Financial Services, Inc. is a company in the Finance sector, listed on NYSE as PFSI. Its shares trade on NYSE under the ticker PFSI.
What is PennyMac Financial Services, Inc.'s net worth?
PennyMac Financial Services, Inc. has a market value (market cap) of $3.3B at the latest share price, and shareholders' equity of $4.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is PennyMac Financial Services, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $239.5M on revenue of $2B, a net margin of 11.7%.
How much revenue does PennyMac Financial Services, Inc. make?
Over the twelve months to September 30, 2026 PennyMac Financial Services, Inc. reported revenue of $2B. That is 3.5% more than a year earlier.
When did PennyMac Financial Services, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 3, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 4, 2026.
When is PennyMac Financial Services, Inc.'s next earnings report?
PennyMac Financial Services, Inc.'s next report is expected around January 28, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does PennyMac Financial Services, Inc. pay a dividend?
Yes. PennyMac Financial Services, Inc. declared dividends of $1.20 per share in fiscal 2025, a yield of 1.91% at the current price.
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Where the numbers come from
Financial figures are the values PennyMac Financial Services, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.