PennyMac Financial Services (PFSI) Debt Ratio (2017 - 2026)
PennyMac Financial Services (PFSI) reported Debt Ratio of 0.15 for Q1 2026, down 9.65% year-over-year from 0.17 in Q1 2025, and down 7.95% quarter-over-quarter from 0.16 in Q4 2025.
PennyMac Financial Services (PFSI) Debt Ratio (2017 - 2026) Analysis & Trends
PennyMac Financial Services (PFSI) has 10 years of Debt Ratio data on file, last reported at 0.15 in Q1 2026.
- Debt Ratio for Q1 2026 came in at 0.15, down 9.65% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.15 (down 9.65% YoY), and the FY2025 annual result was 0.16, up 35.55% from the prior year.
- Debt Ratio slipped to 0.15 in Q1 2026 per PFSI's latest filing, from 0.16 in the prior quarter.
- Over five years, Debt Ratio peaked at 70.39 in Q1 2023 and troughed at 0.09 in Q3 2023.
- A 5-year average of 4.27 and a median of 0.14 in 2024 frame the typical range for Debt Ratio.
- The sharpest annual moves came in 2023 and 2024: Debt Ratio surged 38277.31% in 2023, then tumbled 99.82% in 2024.
- A 5-year view of Debt Ratio shows it stood at 0.11 in 2022, then grew by 26.37% to 0.13 in 2023, then dropped by 9.29% to 0.12 in 2024, then jumped by 35.55% to 0.16 in 2025, then dropped by 7.95% to 0.15 in 2026.
- Business Quant data shows PFSI's Debt Ratio at 0.15 in Q1 2026, 0.16 in Q4 2025, and 0.19 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 34.85 Bn | 32.16 Bn | - | 0.27 |
| 2 | PennyMac Financial Services | 4.14 Bn | 3.65 Bn | 523.89 Mn | 0.15 |
| 3 | Walker & Dunlop | 1.73 Bn | 1.55 Bn | - | 0.06 |
| 4 | UWM Holdings | 743.45 Mn | 1.57 Bn | - | 0.10 |
| 5 | Velocity Financial | 668.42 Mn | 583.96 Mn | - | 0.07 |
| 6 | CNFinance Holdings | 591.78 Mn | 542.97 Mn | - | 0.27 |
| 7 | Better Home & Finance Holding | 419.52 Mn | 349.24 Mn | - | 0.13 |
| 8 | Onity | 306.24 Mn | 306.24 Mn | - | 0.08 |
| 9 | loanDepot | 209.70 Mn | -4.79 Mn | - | - |
| 10 | Greystone Housing Impact Investors | 120.06 Mn | 120.06 Mn | - | 0.03 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.15 |
| Dec 31, 2025 | 0.16 |
| Sep 30, 2025 | 0.19 |
| Jun 30, 2025 | 0.17 |
| Mar 31, 2025 | 0.17 |
| Dec 31, 2024 | 0.12 |
| Sep 30, 2024 | 0.14 |
| Jun 30, 2024 | 0.15 |
| Mar 31, 2024 | 0.13 |
| Dec 31, 2023 | 0.13 |
| Sep 30, 2023 | 0.09 |
| Jun 30, 2023 | 0.10 |
| Mar 31, 2023 | 70.39 |
| Dec 31, 2022 | 0.11 |
| Sep 30, 2022 | 0.11 |
| Jun 30, 2022 | 0.12 |
| Mar 31, 2022 | 0.18 |
| Dec 31, 2021 | 0.09 |
| Sep 30, 2021 | 0.09 |
| Jun 30, 2021 | 0.05 |