What is the 13F Pro Quality Score for PFSI?

13F Pro ranks PennyMac Financial Services, Inc. (PFSI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PFSI's current score at https://13fpro.ai/research/PFSI (free sign-up required for the full ranking).

Which hedge funds own the most PFSI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PFSI include MFN Partners Management,, MILLENNIUM MANAGEMENT, BlackRock,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/PFSI as soon as new 13F filings post.

Where does 13F Pro source PFSI data?

All PennyMac Financial Services, Inc. fundamentals and ownership data come directly from SEC EDGAR. PennyMac Financial Services, Inc. files with the SEC under CIK 1745916. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PFSI in?

PennyMac Financial Services, Inc. (PFSI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is PFSI research updated on 13F Pro?

PFSI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PennyMac Financial Services, Inc.(PFSI)Stock Analysis

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13F Pro Quality Score

54.2/100

Rank #1,230 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

88.1/100

Profitability

99.7/100

Balance Sheet

48.7/100

Earnings Quality

83.2/100

Free Cash Flow

0.6/100

Institutional Flow

84.4/100

Revenue Scale

5.3/100

Dilution Risk

2.0/100

PFSI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for PennyMac Financial Services, Inc. (PFSI), a Financials sector company. 13F Pro's AI-powered ranking engine scores PFSI at 54.2/100 on a 32-signal composite quality model, placing it at rank #1,230 of 2,879 stocks — the top half of the AI-ranked universe. PFSI scores in the top quartile across profitability (99.7), revenue growth (88.1), institutional flow (84.4). Areas of concern include free cash flow (0.6) and revenue scale (5.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 2.0/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), PennyMac Financial Services, Inc. reports quarterly revenue of $545.0M, net income of $82.3M, an operating margin of 19.2%. Top institutional holders of PFSI by reported 13-F value include MFN Partners Management,, MILLENNIUM 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. PennyMac Financial Services, Inc.'s 13F Pro composite quality score has ranged between 38 and 62 since 2021, currently 54.2 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

Revenue

Q1 2026

$545.0M

Net Income

Q1 2026

$82.3M

Free Cash Flow

Q1 2026

$-1.3B

Operating Margin

Q1 2026

19.2%

ROIC

Q1 2026

1.0%

D/E Ratio

Q1 2026

1.44

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-19.7% YoY

$1.59BFY 2024

FY20 $3.71BFY21 $3.17BFY22 $1.99BFY24 $1.59B

Net Income

-34.7% YoY

$311.0MFY 2024

FY20 $1.65BFY21 $1.00BFY22 $476.0MFY24 $311.0M

EPS (Diluted)

-31.3% YoY

$5.84FY 2024

FY20 $20.92FY21 $14.87FY22 $8.50FY24 $5.84

Total Assets

+55.1% YoY

$26.09BFY 2024

FY20 $31.60BFY21 $18.78BFY22 $16.82BFY24 $26.09B

Total Debt

+40.1% YoY

$5.25BFY 2024

FY20 —FY21 $3.10BFY22 $3.75BFY24 $5.25B

Op. Cash Flow

-175.1% YoY

$-4.53BFY 2024

FY20 $-6.20BFY21 $2.56BFY22 $6.03BFY24 $-4.53B

Metric	FY 2024	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Revenue	$1.59B -19.7%	$1.99B -37.3%	$3.17B -14.5%	$3.71B +150.8%	$1.48B +50.0%	$984.6M
Net Income	$311.0M -34.7%	$476.0M -52.6%	$1.00B -39.1%	$1.65B +319.1%	$393.0M +348.1%	$87.7M
EPS (Diluted)	$5.84 -31.3%	$8.50 -42.8%	$14.87 -28.9%	$20.92 +327.8%	$4.89 +88.8%	$2.59
Total Assets	$26.09B +55.1%	$16.82B -10.4%	$18.78B -40.6%	$31.60B +209.7%	$10.20B +36.4%	$7.48B
Total Debt	$5.25B +40.1%	$3.75B +20.8%	$3.10B	—	$6.13B +54.0%	$3.98B
Operating Cash Flow	$-4.53B -175.1%	$6.03B +135.4%	$2.56B +141.3%	$-6.20B -176.1%	$-2.25B -492.2%	$572.4M

AI Insight: PFSI Financial Trends

Revenue growth accelerated through Q3 2025 hitting $633M but moderated to $545M in Q1 2026, while operating cash flow remains persistently negative across most quarters.

• Revenue grew from $406M in Q2 2024 to $545M in Q1 2026, with peak of $633M in Q3 2025.

• Net income increased from $98M in Q2 2024 to $136M in Q2 2025 before declining to $82M in Q1 2026.

• Total debt expanded from $4,930M in Q2 2024 to $6,230M by Q3 2025, remaining flat thereafter.

⚠ Operating cash flow turned negative in Q4 2025 at -$1,889M and remained negative at -$1,342M in Q1 2026.

⚠ Revenue declined from Q3 2025 peak of $633M to $545M in Q1 2026, breaking growth momentum.

AI Insight: PFSI Ratio Trends

PFSI's profitability has deteriorated sharply, with operating margin falling from 37.4% in Q3 2025 to 19.2% in Q1 2026.

• Operating margin declined from 37.4% in Q3 2025 to 19.2% in Q1 2026, a 1,820bp drop.

• Net profit margin fell from 28.7% in Q3 2025 to 15.1% in Q1 2026.

• ROIC contracted from 15.2% in Q3 2025 to 6.7% in Q1 2026, erasing earlier gains.

• ROA dropped from 2.9% in Q3 2025 to 1.0% in Q1 2026.

⚠ Extreme quarterly volatility in operating margins, ranging from 17.2% to 37.4% over the past year.

⚠ All profitability metrics now trending below their Q3 2025 peaks despite strong Q3 performance.

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Available Research

13F Pro tracks comprehensive data for PennyMac Financial Services, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PFSI

MFN Partners Management, LP
$396.1M4,531,792 sh
MILLENNIUM MANAGEMENT LLC
$208.5M2,385,760 sh
BlackRock, Inc.
$192.6M2,203,681 sh
DIMENSIONAL FUND ADVISORS LP
$167.5M1,916,271 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$144.9M1,658,085 sh
DONALD SMITH & CO., INC.
$119.9M1,372,204 sh
VANGUARD CAPITAL MANAGEMENT LLC
$113.0M1,292,585 sh
CITADEL ADVISORS LLC
$101.2M1,158,148 sh
STATE STREET CORP
$74.9M857,152 sh
Invesco Ltd.
$74.2M849,113 sh

Fund	Value	Shares
MFN Partners Management, LP	$396.1M	4,531,792
MILLENNIUM MANAGEMENT LLC	$208.5M	2,385,760
BlackRock, Inc.	$192.6M	2,203,681
DIMENSIONAL FUND ADVISORS LP	$167.5M	1,916,271
VANGUARD PORTFOLIO MANAGEMENT LLC	$144.9M	1,658,085
DONALD SMITH & CO., INC.	$119.9M	1,372,204
VANGUARD CAPITAL MANAGEMENT LLC	$113.0M	1,292,585
CITADEL ADVISORS LLC	$101.2M	1,158,148
STATE STREET CORP	$74.9M	857,152
Invesco Ltd.	$74.2M	849,113

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Is PFSI a good stock to buy?

13F Pro's AI-powered analysis of PennyMac Financial Services, Inc. (PFSI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PFSI are available on the PFSI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own PFSI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PFSI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PennyMac Financial Services, Inc.'s investment landscape.