PennyMac Financial Services, Inc.(PFSI)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
PennyMac Financial Services, Inc. (PFSI) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PFSI at 62.8/100 on a 32-signal composite quality model, placing it at rank #680 of 2,962 stocks — the top 25% of the AI-ranked universe. PFSI scores in the top quartile across revenue growth (83.5). Areas of concern include earnings quality (1.8) and free cash flow (7.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 1.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), PennyMac Financial Services, Inc. reports quarterly revenue of $497.0M, net income of $21.7M, free cash flow of $2.1B. Top institutional holders of PFSI by reported 13-F value include MFN Partners Management, T. Rowe Price Investment Management, BlackRock, based on the most recent SEC filings. PFSI trades on the NYSE exchange and files with the SEC under CIK 1745916. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PFSI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PennyMac Financial Services, Inc. directly from SEC EDGAR.
AI Quality Score
62.8/100
AI Rank
#680
Revenue
$497.0M
Net Income
$21.7M
Free Cash Flow
$2.1B
PFSI key financials by period
PennyMac Financial Services, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$2.0B
$501.1M
26.9%
FY 2024
10-K
$1.6B
$311.4M
25.2%
FY 2023
10-K
$1.4B
$144.7M
13.1%
FY 2022
10-K
$2.0B
$475.5M
33.5%
FY 2021
10-K
$3.2B
$1.0B
42.9%
FY 2020
10-K
$3.7B
$1.6B
60.5%
Institutions holding PFSI
Institutional investors reporting a position in PennyMac Financial Services, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-04 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income fell 84% to $21.7M in Q2 2026 as loan production revenue rose but was offset by higher compensation, origination, and servicing expenses amid weaker mortgage market conditions.
Biggest Revenue Drivers
Loan production revenues$354.9M+18.5% YoY
Higher volume in broker and consumer direct lending channels
Net loan servicing fees$145.8M-3.0% YoY
Growth in servicing portfolio offset by MSR/MSL valuation changes and hedging losses
Biggest Revenue Drivers
Total revenue: $497.0M+11.7% YoY
Loan production revenues$354.9M+18.5% YoY
Higher volume in broker and consumer direct lending channels
Net loan servicing fees$145.8M-3.0% YoY
Growth in servicing portfolio offset by MSR/MSL valuation changes and hedging losses
Net interest expense$(28.3)M$(10.6)M worse YoY
Higher interest expense from larger MSR financing and Agency loan repayment shortfalls
Largest Expense Items
Compensation$222.8M+18.8% YoY
Higher headcount (5,633 avg vs 4,589) and increased incentive comp from higher loan volumes
Loan origination$93.9M+36.3% YoY
Higher origination volumes in broker and consumer direct lending channels
Servicing$42.5M+50.2% YoY
Higher provision for losses on servicing advances from larger portfolio and delinquencies
Technology$44.4M+5.2% YoY
Software license expenses and $1.2M capitalized software impairment
Margins: Operating margins compressed as expenses grew faster than revenues. Net interest expense worsened $10.6M YoY, driven by higher MSR financing costs and Agency loan repayment shortfalls. MSR/MSL valuation changes and hedging losses totaled $390M, reducing net servicing income despite growth in the servicing portfolio.
Watch Items from the Filing
Loan servicing portfolio UPB of $731.1B; delinquencies (60+ days) of $33.8B (4.6% of portfolio) increased from $35.9B at year-end 2025, potentially indicating credit stress.
Pending Cenlar subservicing acquisition for $172.5M upfront plus up to $85M contingent consideration; transaction expected H2 2026, subject to regulatory approval.
Interest rate environment: elevated rates constrain originations; Company expects 2026 market to decline from 2025 levels; refinance volumes minimal; cost reduction measures implemented Q3 2026.
Dependence on PMT: PMT-related revenues 10% of total Q2 2026; related-party mortgage loan sales to PMT $5.0B in Q2 with $481M UPB of recaptures.
Representations and warranties liability: $37.3M recorded against $521.7B UPB of loans subject to reps/warranties; elevated interest rates may increase repurchase rates and losses.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
