PennyMac Financial Services (PFSI) Free Cash Flow (2017 - 2026)
PennyMac Financial Services (PFSI) posted quarterly Free Cash Flow of -$1.3 billion for Q1 2026, down 226.15% year-over-year from $1.1 billion in Q1 2025, and up 29.4% quarter-over-quarter from -$1.9 billion in Q4 2025.
PennyMac Financial Services (PFSI) Free Cash Flow (2017 - 2026) Analysis & Trends
PennyMac Financial Services (PFSI) has reported Free Cash Flow for 10 consecutive years, with -$1.3 billion the latest figure, recorded in Q1 2026.
- In Q1 2026, Free Cash Flow fell 226.15% year-over-year to -$1.3 billion; the TTM figure through Mar 2026 stood at -$4.1 billion (down 58.75% YoY), while the FY2025 annual figure was -$1.7 billion, up 62.71% from the prior year.
- Free Cash Flow climbed to -$1.3 billion in Q1 2026 per PFSI's latest filing, from -$1.9 billion in the prior quarter.
- Across five years, Free Cash Flow topped out at $4.4 billion in Q1 2022 and bottomed at -$3.3 billion in Q1 2023.
- Historically, Free Cash Flow has averaged -$184.1 million across 5 years, with a median of -$589.2 million in 2022.
- Annual changes were most pronounced in 2022 — Free Cash Flow surged 450.37% — and 2024, when it sank 570.7%.
- PennyMac Financial Services' Free Cash Flow stood at $487.9 million in 2022, then declined by 6.42% to $456.6 million in 2023, then tumbled by 570.7% to -$2.1 billion in 2024, then increased by 11.4% to -$1.9 billion in 2025, then advanced by 29.4% to -$1.3 billion in 2026.
- Business Quant data shows PFSI's Free Cash Flow at -$1.3 billion in Q1 2026, -$1.9 billion in Q4 2025, and -$705.6 million in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.55 Bn | 36.45 Bn | - | -1.25 Bn |
| 2 | Federal National Mortgage Association Fannie Mae | 36.61 Bn | 36.61 Bn | - | 9.25 Bn |
| 3 | Federal Home Loan Mortgage | 18.43 Bn | 14.11 Bn | - | 2.76 Bn |
| 4 | PennyMac Financial Services | 3.90 Bn | 3.15 Bn | 480.08 Mn | 2.13 Bn |
| 5 | CNFinance Holdings | 1.52 Bn | 1.45 Bn | - | - |
| 6 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 1.17 Bn |
| 7 | Velocity Financial | 711.47 Mn | -6.74 Bn | - | 3.64 Mn |
| 8 | UWM Holdings | 472.54 Mn | -25.87 Mn | - | 334.58 Mn |
| 9 | Onity | 303.25 Mn | 106.95 Mn | - | -516.90 Mn |
| 10 | loanDepot | 205.70 Mn | -105.44 Mn | - | 510.27 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 2.13 Bn |
| Jun 30, 2026 | 2.13 Bn |
| Mar 31, 2026 | -1.34 Bn |
| Mar 31, 2026 | -1.34 Bn |
| Dec 31, 2025 | -1.90 Bn |
| Dec 31, 2025 | -1.90 Bn |
| Sep 30, 2025 | -705.57 Mn |
| Sep 30, 2025 | -705.57 Mn |
| Jun 30, 2025 | -140.46 Mn |
| Jun 30, 2025 | -140.46 Mn |
| Mar 31, 2025 | 1.07 Bn |
| Mar 31, 2025 | 1.07 Bn |
| Dec 31, 2024 | -2.15 Bn |
| Dec 31, 2024 | -2.15 Bn |
| Sep 30, 2024 | -398.05 Mn |
| Sep 30, 2024 | -398.05 Mn |
| Jun 30, 2024 | -1.10 Bn |
| Jun 30, 2024 | -1.10 Bn |
| Mar 31, 2024 | -898.86 Mn |
| Mar 31, 2024 | -898.86 Mn |