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Finance of America Companies vs PennyMac Financial Services: revenue, profit, margins and growth compared

Finance of America Companies brought in $497.4M of revenue in fiscal 2025, PennyMac Financial Services $2B in fiscal 2025. Revenue changed by +26.1% at Finance of America Companies and +28.4% at PennyMac Financial Services on the year before, so PennyMac Financial Services grew faster. Finance of America Companies kept 9.1% of its revenue as net profit, PennyMac Financial Services 24.5%.

Side by side, latest fiscal year

FOAPFSI
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$497.4M$2B
Revenue growth+26.1%+28.4%
Net income$45.2M$501.1M
Net margin9.1%24.5%
Free cash flown/a-$1.7B
Free cash flow marginn/a-81.3%
Earnings per share (diluted)$3.74$9.30
Cash$89.5M$301.7M
Debt$357.5M$6.2B
Price to earnings3.97.0
Market value$250.8M$3.4B
Dividend yieldn/a1.83%
Rank by revenue in sector#241 of 444 · Finance#143 of 444 · Finance

Over the years

Revenue
FOA FY2020: $891.5MFOA FY2020: $1.8BFOA FY2022: $52.8MFOA FY2023: $234.3MFOA FY2024: $394.4MFOA FY2025: $497.4MPFSI FY2018: $984.6MPFSI FY2019: $1.5BPFSI FY2020: $3.7BPFSI FY2021: $3.2BPFSI FY2022: $2BPFSI FY2023: $1.4BPFSI FY2024: $1.6BPFSI FY2025: $2BFY18FY19FY20FY21FY22FY23FY24FY25
FOA $497.4MPFSI $2B
Net income
FOA FY2020: $54.4MFOA FY2020: $518.4MFOA FY2022: -$190.7MFOA FY2023: -$80.1MFOA FY2024: $15.5MFOA FY2025: $45.2MPFSI FY2018: $87.7MPFSI FY2019: $393MPFSI FY2020: $1.6BPFSI FY2021: $1BPFSI FY2022: $475.5MPFSI FY2023: $144.7MPFSI FY2024: $311.4MPFSI FY2025: $501.1MFY18FY19FY20FY21FY22FY23FY24FY25
FOA $45.2MPFSI $501.1M
Net margin
FOA FY2020: 6.1%FOA FY2020: 28.8%FOA FY2022: -361.4%FOA FY2023: -34.2%FOA FY2024: 3.9%FOA FY2025: 9.1%PFSI FY2018: 8.9%PFSI FY2019: 26.6%PFSI FY2020: 44.4%PFSI FY2021: 31.7%PFSI FY2022: 23.9%PFSI FY2023: 10.3%PFSI FY2024: 19.5%PFSI FY2025: 24.5%FY18FY19FY20FY21FY22FY23FY24FY25
FOA 9.1%PFSI 24.5%
Revenue growth
FOA FY2020: +101.9%FOA FY2023: +344.0%FOA FY2024: +68.4%FOA FY2025: +26.1%PFSI FY2019: +50.0%PFSI FY2020: +150.8%PFSI FY2021: -14.5%PFSI FY2022: -37.3%PFSI FY2023: -29.4%PFSI FY2024: +13.7%PFSI FY2025: +28.4%FY19FY20FY21FY22FY23FY24FY25
FOA +26.1%PFSI +28.4%
Free cash flow
FOA FY2020: $96.8MFOA FY2020: -$695.1MFOA FY2022: $1.4BPFSI FY2018: $559MPFSI FY2019: -$2.3BPFSI FY2020: -$6.2BPFSI FY2021: $2.6BPFSI FY2022: $6BPFSI FY2023: -$1.6BPFSI FY2024: -$4.5BPFSI FY2025: -$1.7BFY18FY19FY20FY21FY22FY23FY24FY25
FOA $1.4BPFSI -$1.7B

Fiscal years as each company reports them; the two may end in different months.

Questions about Finance of America Companies and PennyMac Financial Services

Which is bigger by revenue, Finance of America Companies or PennyMac Financial Services?

PennyMac Financial Services is bigger by revenue: $2B in fiscal 2025, against $497.4M for Finance of America Companies in fiscal 2025.

Which keeps more of its revenue as profit, Finance of America Companies or PennyMac Financial Services?

Finance of America Companies had a net margin of 9.1% in fiscal 2025; PennyMac Financial Services had 24.5% in fiscal 2025.

Which grew revenue faster, Finance of America Companies or PennyMac Financial Services?

In their latest fiscal years revenue changed by +26.1% at Finance of America Companies and +28.4% at PennyMac Financial Services.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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