PennyMac Financial Services (PFSI) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), PennyMac Financial Services had a P/E ratio of 13.67 (down from 16.81), return on equity of 12.3% (up from 8.5%), debt-to-equity of 5.37 (down from 5.38) and a current ratio of 1.04 (up from 1.00). A current ratio of 1.04 means current assets exceed current liabilities. Its dividend yield was 0.91% with a payout ratio of 12.5%.

PennyMac Financial Services Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

Scroll to see more

Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	13.67	16.81	30.50	5.97	4.11	2.89
Forward P/E	9.01	7.62	10.37	9.18	5.17	3.80
P/S Ratio	1.98	2.58	2.20	1.74	1.15	0.92
P/B Ratio	1.59	1.37	1.25	0.82	1.21	1.40
Price/Tangible Book	1.63	1.41	1.30	0.86	1.25	1.44
Price/FCF	-	-	-	0.47	1.61	-
Price/OCF	-	-	-	0.47	1.61	-
PEG Ratio	0.63	0.43	0.43	0.43	0.43	0.38
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	12.31%	8.45%	4.13%	13.80%	29.48%	60.43%
Return on Assets (ROA)	1.81%	1.39%	0.81%	2.67%	3.98%	7.88%
Return on Invested Capital (ROIC)	1.94%	1.51%	1.69%	2.93%	4.20%	-
Leverage & Solvency Ratios
Debt/Equity	5.37	5.38	3.83	3.38	4.10	7.97
Debt/FCF	-	-	-	1.95	5.48	-
Liquidity Ratios
Current Ratio	1.04	1.00	1.19	1.26	1.30	1.14
Quick Ratio	0.46	0.42	0.64	0.75	0.34	0.64
Efficiency Ratios
Asset Turnover	0.13	0.09	0.11	0.09	0.14	0.25
Yield & Distribution Ratios
Earnings Yield	7.31%	5.95%	3.28%	16.76%	24.36%	34.64%
FCF Yield	-24.29%	-86.62%	-35.89%	212.36%	62.03%	-130.62%
Dividend Yield	0.91%	1.08%	0.91%	1.41%	1.10%	0.96%
Payout Ratio	12.48%	16.75%	28.65%	11.49%	5.27%	1.88%
Buyback Yield	-0.99%	-1.18%	5.75%	17.08%	14.30%	2.01%
Total Return	-0.07%	-0.10%	6.66%	18.48%	15.40%	2.96%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About PennyMac Financial Services Financial Ratios

What is PennyMac Financial Services's P/E ratio?

PennyMac Financial Services's P/E ratio was 13.67 for fiscal 2025 (period ended Dec 31, 2025). It was 16.81 a year earlier.

What is PennyMac Financial Services's return on equity?

PennyMac Financial Services's return on equity (ROE) was 12.3% for fiscal 2025 (period ended Dec 31, 2025). It was 8.5% a year earlier.

What is PennyMac Financial Services's debt-to-equity ratio?

PennyMac Financial Services's debt-to-equity ratio was 5.37 for fiscal 2025 (period ended Dec 31, 2025). It was 5.38 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition