PennyMac Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from PennyMac Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Goodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative. Less tangible than 97% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $67 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 89% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$1Sales grew 90% in 3 years; of every extra $100 of sales, $1 became extra profit.
Lower than 75% of Financial Services companies in United States.
Asset Productivity Ratio
+90% / +75%In 3 years sales changed by +90% while total assets changed by +75%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
67%Of every $100 the company owns, $67 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 89% of Financial Services companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 97% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
PennyMac Financial Services, Inc. owes $0.85 for every $1 it owns. Net profit rose 61% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
8.8Investors pay $8.8 for every $1 of PennyMac Financial Services, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
P/B ratio
0.76The share price is 0.76 times PennyMac Financial Services, Inc.'s book value per share, lower than 88% of Financial Services companies in United States.
Market cap
$3.3 BThe total market value of all of PennyMac Financial Services, Inc.'s shares at today's price (share price × number of shares), larger than 74% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$4.3 BWhat PennyMac Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$83.48Net worth divided by the number of shares. The share price of $63.68 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
9.4%PennyMac Financial Services, Inc. earned 9.4% on its shareholders' money over the last year, lower than 58% of Financial Services companies in United States.
Owes vs Owns
0.85×PennyMac Financial Services, Inc. owes $0.85 for every $1 it owns (high), higher than 54% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
1.89%PennyMac Financial Services, Inc. pays 1.89% of its share price as dividends a year, lower than 73% of dividend-paying Financial Services companies in United States.
Revenue growth
+55%Revenue rose 55% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Profit growth
+61%Net profit rose 61% in the year to Dec 2025, and grew 2% a year on average over 3 years.
Profit margin
11.3%PennyMac Financial Services, Inc. keeps $11 of every $100 of revenue as net profit.
Questions
What is PennyMac Financial Services, Inc.'s P/E ratio?
Investors pay $8.8 for every $1 of PennyMac Financial Services, Inc.'s yearly profit, lower than 84% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For PennyMac Financial Services, Inc.: $3.3 B ÷ $4.3 B (30 Jun 2026) = 0.8.
What is PennyMac Financial Services, Inc.'s return on equity?
PennyMac Financial Services, Inc. earned 9.4% on its shareholders' money over the last year, lower than 58% of Financial Services companies in United States.
How much does PennyMac Financial Services, Inc. owe compared with what it owns?
PennyMac Financial Services, Inc. owes $0.85 for every $1 it owns (high), higher than 54% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does PennyMac Financial Services, Inc. pay a dividend?
Yes. PennyMac Financial Services, Inc. pays 1.89% of its share price as dividends a year, lower than 73% of dividend-paying Financial Services companies in United States.
Is PennyMac Financial Services, Inc.'s revenue growing?
Revenue rose 55% in the year to Dec 2025, and grew 24% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.