PennyMac Financial Services, Inc. (PFSI)

From the record

PennyMac Financial Services, Inc.'s filings since 2018 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

PennyMac Financial Services, Inc.'s 10 filed years say what it did: revenue went from $3 million in fiscal 2016 to $20 million in fiscal 2025, up 22.2% a year; it rose in 6 of 9 years; the deepest fall was 27% from fiscal 2018 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, PennyMac Financial Services, Inc.'s diluted share count shrank about 1.2% a year, and dividends and buybacks returned about 24% of its net income over 3 years (its filed statements). Its officers and directors filed 38 sales (33 under scheduled 10b5-1 plans) and 1 purchase of their own stock on the open market in the year to 2026-11-04, buying about $201 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, PennyMac Financial Services, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count grew 1.0% over the year (the filed statements).

From the record

PennyMac Financial Services, Inc.'s standing among 19 graded names in its industry family: revenue of $20 million in fiscal 2025 ranks in the bottom 15% by size; a net margin of 2491.9% ranks in the top 3%; revenue growth of 17.5% a year over the last 3 filed years ranks in the top 45% (its annual reports).

From the record

PennyMac Financial Services, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Spector, David (Chairman & CEO, as filed), filing under that title since 2019-03-07, 7.7 years (top 39% of its family); the 20 officers and directors filing in the last fifteen months have been on the record a median of 6 years (bottom 46%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 20 people in charge now (top 16%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

PennyMac Financial Services, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $302 million against debt of $6.2 billion leaves -20.2% of its assets as net cash, bottom 39% of its family; cash from operations less capital spending is -8274.8% of revenue (bottom 3%) (its annual report).

From the record

PennyMac Financial Services, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 17.5% a year over the last three filed years against 22.2% over all 10, slowing (bottom 29% of its family); the newest year grew -25.2% (bottom 3%); capital spending grew 18.5% a year (top 25%) (its annual reports). PennyMac Financial Services, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

PennyMac Financial Services, Inc.'s newest year against its own record: revenue of $20 million in fiscal 2025 came in 49.2% below the $40 million its prior three years' pace pointed to (bottom 9% of its family); net income of $501 million against a prior three-year average of $311 million (top 32%); a net margin of more than its whole revenue against more than its whole revenue before (top 9%) (its annual reports).