PennyMac Financial Services (PFSI) Interest Coverage Ratio (2017 - 2026)

PennyMac Financial Services' (PFSI) quarterly Interest Coverage Ratio came in at 0.34 in Q1 2026, down 26.36% year-on-year from 0.46 in Q1 2025, and up 121.63% on a QoQ basis from 1.55 in Q4 2025.

PennyMac Financial Services (PFSI) Interest Coverage Ratio (2017 - 2026) Analysis & Trends

PennyMac Financial Services (PFSI) has 10 years of Interest Coverage Ratio data on file, last reported at 0.34 in Q1 2026.

  • On a quarterly basis, Interest Coverage Ratio fell 26.36% year-over-year to 0.34 in Q1 2026; TTM through Mar 2026 was 0.48, a 1135.71% decrease from a year earlier, with the FY2025 full-year figure at 1.58, down 9.24% from the prior year.
  • Interest Coverage Ratio for Q1 2026 stood at 0.34, up from 1.55 in the prior quarter.
  • Over the last five years, Interest Coverage Ratio for PFSI reached as high as 16.35 in Q4 2022 and fell as low as 8.48 in Q4 2023.
  • Historically, Interest Coverage Ratio has averaged 0.15 across 5 years, with a median of 0.24 in 2024.
  • Across the five-year window, Interest Coverage Ratio soared 1975.42% in 2022 and tumbled 354.17% in 2025, its largest moves.
  • Year by year, Interest Coverage Ratio stood at 16.35 in 2022, then tumbled by 151.91% to 8.48 in 2023, then jumped by 80.29% to 1.67 in 2024, then advanced by 7.27% to 1.55 in 2025, then jumped by 121.63% to 0.34 in 2026.
  • Per Business Quant data, the three most recent Interest Coverage Ratio figures were 0.34 in Q1 2026, 1.55 in Q4 2025, and 0.89 in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Interest Cover (Qtr)
1 Rocket Companies 38.33 Bn 35.64 Bn - 2.15
2 Federal National Mortgage Association Fannie Mae 35.67 Bn 35.67 Bn - 1.13
3 Federal Home Loan Mortgage 18.11 Bn 13.64 Bn - 1.15
4 PennyMac Financial Services 4.41 Bn 3.76 Bn 523.89 Mn 0.34
5 CNFinance Holdings 3.28 Bn 3.20 Bn - -
6 Walker & Dunlop 1.64 Bn 1.44 Bn - 2.52
7 Velocity Financial 681.36 Mn -6.51 Bn - 1.31
8 UWM Holdings 540.43 Mn 116.43 Mn - 2.22
9 Better Home & Finance Holding 362.34 Mn 298.07 Mn - -7.89
10 Onity 340.51 Mn 215.81 Mn - 1.11

Historic Data

Download Data
DateValue
Mar 31, 2026 0.34
Dec 31, 2025 -1.55
Sep 30, 2025 0.89
Jun 30, 2025 -1.57
Mar 31, 2025 0.46
Dec 31, 2024 -1.67
Sep 30, 2024 0.41
Jun 30, 2024 0.62
Mar 31, 2024 0.24
Dec 31, 2023 -8.48
Sep 30, 2023 0.78
Jun 30, 2023 -1.49
Mar 31, 2023 -2.02
Dec 31, 2022 16.35
Sep 30, 2022 -3.56
Jun 30, 2022 -4.84
Mar 31, 2022 2.58
Dec 31, 2021 -0.87
Sep 30, 2021 -5.04
Jun 30, 2021 2.63