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Pennymac Financial Services, Inc. key statistics and ratios

In fiscal 2025, Pennymac Financial Services, Inc. had return on equity of 12.3% and a net margin of 24.5%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin7.1%10.5%8.9%26.6%44.4%31.7%23.9%10.3%19.5%24.5%17.7%
Return on equity4.7%10.8%8.3%21.2%60.4%29.5%13.8%4.1%8.5%12.3%9.1%
Return on assets—1.4%1.2%4.4%7.9%4.0%2.7%0.8%1.4%1.8%1.3%
Effective tax rate12.0%7.3%8.7%25.8%26.5%26.2%28.5%21.2%22.3%9.1%22.6%
Dividends ÷ net income——11.5%2.5%1.9%5.3%11.5%28.7%16.7%12.5%16.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

80 /100

Strong moat

How hard Pennymac Financial Services's competitive advantage looks for rivals to wear away, judged from 9 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 1.6% of total assets over 9 years.

  • Durability 11 / 20

    Net margin has been a median 18.0%; its worst year was 7.3%.

  • Discipline 20 / 20

    The diluted share count fell 27.0% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (85 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: PFSI vs RDNPFSI vs UWMCPFSI vs WD

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Figures from Pennymac Financial Services, Inc.'s SEC filings (10-K and 10-Q), retrieved October 26, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Pennymac Financial Services, Inc.