PennyMac Financial Services (PFSI) Interest Coverage Ratio (2017 - 2026)
PennyMac Financial Services' (PFSI) Interest Coverage Ratio stood at 1.12 in Q2 2026, down 15.4% from 1.32 a year earlier and down 21.3% from the prior quarter.
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Analysis
PennyMac Financial Services (PFSI) Interest Coverage Ratio (2017 - 2026) Analysis & Trends
On a TTM basis, PennyMac Financial Services' Interest Coverage Ratio came in at 1.49 as of Jun 30, 2026, up 2.7% year-over-year; for FY2025, it came in at 1.57, up 5.7% from FY2024.
- Across earlier years, Interest Coverage Ratio came in at 1.49 in FY2024 (+15.6%), 1.29 in FY2023 (-56.8%), 2.98 in FY2022 (-33.4%) and 4.48 in FY2021 (-51.6%).
- The Q2 2026 figure is the lowest quarterly Interest Coverage Ratio since Q4 2023.
- On a year-over-year basis, Interest Coverage Ratio has declined for three consecutive quarters, with growth averaging 14.9% over the last eight quarters.
- Peak year-over-year performance for Interest Coverage Ratio in the last five years was growth of 129.8% in Q4 2024, against a decline of 68.0% in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 1.42 (Q1 2026), 1.51 (Q4 2025) and 1.95 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.90 Bn | 29.58 Bn | - | 1.75 |
| 2 | Orix | 42.96 Bn | 43.46 Bn | - | 2.98 |
| 3 | Royalty Pharma | 33.48 Bn | 33.39 Bn | - | 1.42 |
| 4 | Federal National Mortgage Association Fannie Mae | 23.94 Bn | 23.94 Bn | - | 1.15 |
| 5 | Affirm Holdings | 23.37 Bn | 17.06 Bn | - | 1.24 |
| 6 | Synchrony Financial | 23.31 Bn | -44.66 Bn | - | 2.22 |
| 7 | Royal Gold | 20.23 Bn | 19.45 Bn | 390.45 Mn | 27.97 |
| 8 | Annaly Capital Management | 15.24 Bn | 6.34 Bn | - | 1.63 |
| 9 | Ares Capital | 13.90 Bn | 11.34 Bn | - | - |
| 10 | PennyMac Financial Services | 3.31 Bn | 357.90 Mn | - | 1.12 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.12 |
| Mar 31, 2026 | 1.42 |
| Dec 31, 2025 | 1.51 |
| Sep 30, 2025 | 1.95 |
| Jun 30, 2025 | 1.32 |
| Mar 31, 2025 | 1.50 |
| Dec 31, 2024 | 1.57 |
| Sep 30, 2024 | 1.43 |
| Jun 30, 2024 | 1.64 |
| Mar 31, 2024 | 1.26 |
| Dec 31, 2023 | 0.68 |
| Sep 30, 2023 | 1.81 |
| Jun 30, 2023 | 1.41 |
| Mar 31, 2023 | 1.29 |
| Dec 31, 2022 | 1.65 |
| Sep 30, 2022 | 3.24 |
| Jun 30, 2022 | 3.50 |
| Mar 31, 2022 | 4.03 |
| Dec 31, 2021 | 3.61 |
| Sep 30, 2021 | 4.74 |
API Access
PennyMac Financial Services Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=PFSI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "PFSI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=PFSI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();