Pennymac Financial Services vs Radian Group
Pennymac Financial Services is the larger business, with $2.05bn of revenue in fiscal 2025 against $1.20bn for Radian Group (1.7 times as much). Pennymac Financial Services grew faster (28.4% against -0.8%). Radian Group kept more of each dollar of sales as profit: a net margin of 48.7% against 24.5%.
| Latest fiscal year | Pennymac Financial ServicesPFSI, 2025 | Radian GroupRDN, 2025 |
|---|---|---|
| Revenue | $2.05bn | $1.20bn |
| Revenue growth | 28.4% | -0.8% |
| Net income | $501m | $583m |
| Operating margin | — | — |
| Net margin | 24.5% | 48.7% |
| Return on equity | 12.3% | 12.4% |
| Free cash flow | −$1.66bn | $116m |
| Cash | $302m | $24.8m |
| Total debt | $6.23bn | $1.11bn |
| Debt to equity | — | 23.2% |
| Dividend per share | $1.20 | $1.02 |
| Dividend yield | 1.9% | 3.0% |
| Share buybacks | $4.7m | $432m |
| Employees | — | 900 |
| Market value | $3.36bn | $4.79bn |
| Price vs our value range | — | — |
| Moat score | 80 (Strong) | 79 (Strong) |
| Insider trades, 12 months | 1 buys, 38 sales | 2 buys, 14 sales |