PennyMac Financial Services reported a gross margin of 96.60% and a net margin of 4.37% for the quarter ended Jun 2026. These financial ratios cover 39 quarters of results from Dec 2016 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Dec2016 | Mar2017 | Jun2017 | Sep2017 | Dec2017 | Mar2018 | Jun2018 | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||||||||||||||||||||||||||||||||
| Gross Margin | 98.56% | 97.61% | 96.59% | 97.46% | 98.40% | 98.90% | 98.93% | 98.34% | 98.84% | 98.85% | 98.80% | 98.66% | 98.76% | 98.35% | 97.81% | 97.21% | 97.79% | 98.08% | 96.13% | 96.60% | |||||||||||||||||||
| EBT Margin | 43.17% | 33.74% | 35.67% | 34.71% | 38.95% | 19.89% | 12.60% | 21.67% | 31.67% | -14.98% | 14.36% | 32.96% | 22.81% | 27.52% | 24.18% | 17.19% | 37.35% | 24.98% | 19.21% | 6.34% | |||||||||||||||||||
| EBIT Margin | 41.72% | 31.35% | 32.26% | 32.16% | 37.35% | 18.79% | 11.53% | 20.01% | 30.52% | -16.14% | 13.16% | 31.62% | 21.57% | 25.87% | 21.99% | 14.40% | 35.13% | 23.07% | 15.34% | 2.95% | |||||||||||||||||||
| EBITDA Margin | 41.72% | 31.35% | 32.26% | 32.16% | 37.35% | 18.79% | 11.53% | 20.01% | 30.52% | -16.14% | 13.16% | 31.62% | 21.57% | 25.87% | 21.99% | 14.40% | 35.13% | 23.07% | 15.34% | 2.95% | |||||||||||||||||||
| Operating Margin | 41.72% | 31.35% | 32.26% | 32.16% | 37.35% | 18.79% | 11.53% | 20.01% | 30.52% | -16.14% | 13.16% | 31.62% | 21.57% | 25.87% | 21.99% | 14.40% | 35.13% | 23.07% | 15.34% | 2.95% | |||||||||||||||||||
| Net Margin | 31.69% | 24.95% | 26.40% | 25.25% | 28.38% | 11.05% | 10.03% | 17.31% | 23.20% | -10.18% | 12.86% | 24.19% | 16.84% | 22.23% | 17.70% | 30.68% | 28.68% | 7.69% | 15.11% | 4.37% | |||||||||||||||||||
| FCF Margin | 181.51% | -32.25% | 670.40% | 329.28% | -127.66% | 140.14% | -1,081.51% | 659.54% | -245.90% | 116.91% | -295.04% | -270.28% | -96.65% | -458.64% | 245.72% | -31.58% | -111.48% | -353.91% | -249.16% | 428.66% | |||||||||||||||||||
| Efficiency | |||||||||||||||||||||||||||||||||||||||
| Assets AverageAssets Avg. | 21.81B | 19.26B | 16.70B | 14.45B | 15.32B | 16.59B | 18.46B | 19.04B | 18.47B | 18.90B | 19.32B | 20.69B | 22.22B | 24.48B | 24.98B | 24.05B | 24.81B | 27.39B | 30.67B | 30.90B | |||||||||||||||||||
| Invested CapitalInvested Cap. | 5.29B | 5.19B | 5.22B | 5.25B | 5.28B | 5.41B | 5.92B | 5.95B | 6.25B | 6.06B | 6.09B | 6.82B | 6.90B | 6.99B | 7.90B | 8.22B | 9.04B | 9.14B | 9.16B | 9.17B | |||||||||||||||||||
| Asset Utilization RatioAsset Util. | 0.16 | 0.16 | 0.17 | 0.18 | 0.15 | 0.12 | 0.09 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 | 0.08 | 0.07 | 0.07 | 0.07 | |||||||||||||||||||
| Leverage & Solvency | |||||||||||||||||||||||||||||||||||||||
| Interest Coverage RatioInterest Cover | 3.62 | 2.42 | 2.74 | 2.31 | 2.14 | -0.35 | 0.26 | 0.38 | 0.78 | -0.34 | 0.24 | 0.62 | 0.41 | 0.53 | 0.46 | 0.27 | 0.89 | 0.47 | 0.33 | 0.05 | |||||||||||||||||||
| Debt Ratio | 0.09 | 0.09 | 0.12 | 0.13 | 0.11 | 0.12 | 0.12 | 0.14 | 0.14 | 0.13 | 0.13 | 0.15 | 0.14 | 0.12 | 0.17 | 0.17 | 0.19 | 0.16 | 0.15 | 0.16 | |||||||||||||||||||
| Times Interest Earned | 3.62 | 2.42 | 2.74 | 2.31 | 2.14 | -0.35 | 0.26 | 0.38 | 0.78 | -0.34 | 0.24 | 0.62 | 0.41 | 0.53 | 0.46 | 0.27 | 0.89 | 0.47 | 0.33 | 0.05 | |||||||||||||||||||
| Dividends & Payouts | |||||||||||||||||||||||||||||||||||||||
| Dividend Coverage RatioDiv. Cover | 19.63 | 14.12 | 15.19 | 11.60 | 6.25 | 3.61 | 2.82 | 5.71 | 9.08 | -3.60 | 3.77 | 9.45 | 4.43 | 6.67 | 5.08 | 8.63 | 11.48 | 2.59 | 5.28 | 1.37 | |||||||||||||||||||
| FCF Payout RatioFCF Cover | 0.01 | -0.05 | 0.00 | 0.01 | -0.04 | 0.02 | 0.00 | 0.00 | -0.01 | 0.02 | -0.01 | -0.01 | -0.04 | -0.01 | 0.01 | -0.11 | -0.02 | -0.01 | -0.01 | 0.01 | |||||||||||||||||||
| Dividend YieldDiv. Yield | 0.35% | 0.32% | 0.39% | 0.49% | 1.01% | 0.37% | 0.36% | 0.29% | 0.31% | 0.23% | 0.22% | 0.22% | 0.27% | 0.30% | 0.29% | 0.31% | 0.25% | 0.23% | 0.34% | 0.35% | |||||||||||||||||||
| Payout Ratio | 0.05 | 0.07 | 0.07 | 0.09 | 0.16 | 0.28 | 0.35 | 0.18 | 0.11 | -0.28 | 0.27 | 0.11 | 0.23 | 0.15 | 0.20 | 0.12 | 0.09 | 0.39 | 0.19 | 0.73 | |||||||||||||||||||
| Valuation | |||||||||||||||||||||||||||||||||||||||
| Price to EarningsP/E | 14.47 | 22.34 | 16.69 | 17.75 | 15.90 | 75.36 | 97.97 | 60.20 | 35.80 | -120.36 | 117.97 | 49.12 | 84.22 | 50.22 | 67.80 | 37.73 | 35.41 | 165.90 | 55.13 | 208.24 | |||||||||||||||||||
| Price to SalesP/S | 4.59 | 5.57 | 4.41 | 4.48 | 4.51 | 8.33 | 9.83 | 10.42 | 8.31 | 12.25 | 15.17 | 11.88 | 14.18 | 11.16 | 12.00 | 11.58 | 10.15 | 12.76 | 8.33 | 9.10 | |||||||||||||||||||
| Price to BookP/B | 1.03 | 1.13 | 0.84 | 0.66 | 0.62 | 0.82 | 0.86 | 1.01 | 0.93 | 1.25 | 1.30 | 1.32 | 1.56 | 1.37 | 1.32 | 1.28 | 1.53 | 1.59 | 1.05 | 1.04 | |||||||||||||||||||
| Enterprise Value | 3.13B | 3.43B | 2.33B | 0.87B | 0.55B | 1.45B | 1.47B | 1.97B | 2.14B | 3.36B | 3.56B | 4.04B | 5.03B | 4.59B | 4.52B | 4.52B | 5.60B | 6.15B | 3.88B | 3.78B | |||||||||||||||||||
| EV to EBIT | 9.53 | 15.75 | 10.98 | 5.31 | 3.11 | 22.67 | 42.24 | 29.20 | 17.54 | -57.53 | 88.42 | 31.48 | 56.60 | 37.74 | 47.67 | 70.63 | 25.19 | 49.57 | 46.38 | 257.83 | |||||||||||||||||||
| EV to EBITDA | 9.53 | 15.75 | 10.98 | 5.31 | 3.11 | 22.67 | 42.24 | 29.20 | 17.54 | -57.53 | 88.42 | 31.48 | 56.60 | 37.74 | 47.67 | 70.63 | 25.19 | 49.57 | 46.38 | 257.83 | |||||||||||||||||||
| Market Capitalization | 3.61B | 3.87B | 2.90B | 2.29B | 2.15B | 2.83B | 2.98B | 3.51B | 3.33B | 4.43B | 4.64B | 4.83B | 5.84B | 5.25B | 5.17B | 5.15B | 6.43B | 6.86B | 4.54B | 4.52B | |||||||||||||||||||
| Price to FCFP/FCF | 2.53 | -17.29 | 0.66 | 1.36 | -3.53 | 5.94 | -0.91 | 1.58 | -3.38 | 10.48 | -5.14 | -4.40 | -14.68 | -2.43 | 4.88 | -36.65 | -9.11 | -3.60 | -3.34 | 2.12 | |||||||||||||||||||
| EV to FCF | 2.19 | -15.32 | 0.53 | 0.52 | -0.91 | 3.04 | -0.45 | 0.89 | -2.18 | 7.94 | -3.94 | -3.68 | -12.63 | -2.13 | 4.27 | -32.21 | -7.94 | -3.23 | -2.86 | 1.77 | |||||||||||||||||||
| EV to CFO | 2.17 | -16.55 | 0.53 | 0.51 | -0.94 | 2.96 | -0.45 | 0.88 | -2.20 | 7.81 | -3.96 | -3.70 | -12.77 | -2.14 | 4.24 | -34.45 | -8.03 | -3.26 | -2.89 | 1.76 | |||||||||||||||||||
| Return Ratios | |||||||||||||||||||||||||||||||||||||||
| Return on Sales [ROS]ROS | 41.72% | 31.35% | 32.26% | 32.16% | 37.35% | 18.79% | 11.53% | 20.01% | 30.52% | -16.14% | 13.16% | 31.62% | 21.57% | 25.87% | 21.99% | 14.40% | 35.13% | 23.07% | 15.34% | 2.95% | |||||||||||||||||||
| Return on Invested Capital [ROIC]ROIC | 26.37% | 18.52% | 14.51% | 12.96% | 10.77% | 8.27% | 5.52% | 4.16% | 3.39% | 2.13% | 2.29% | 2.78% | 2.27% | 4.24% | 4.40% | 4.38% | 5.32% | 4.39% | 4.32% | 3.13% | |||||||||||||||||||
| Return on Assets [ROA]ROA | 5.88% | 5.21% | 4.79% | 5.02% | 3.99% | 2.87% | 1.80% | 1.37% | 1.19% | 0.77% | 0.79% | 0.94% | 0.77% | 1.27% | 1.39% | 1.61% | 2.01% | 1.59% | 1.44% | 1.06% |