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PennyMac Financial Services Balance Sheet 2025-2011 | PFSI
Brief balance sheet overview of PennyMac Financial Services
The review uses the five latest available annual reports between 2021 and 2025.
Assets advanced +56.5% to $29.4 billion from $18.8 billion; annual growth near 11.9% reflects a fast increase in scale.
Liabilities followed the scale of the balance sheet: +63.3% versus +56.5% for assets. Leverage did not change materially.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 14.7% of assets versus 18.2% initially.
Retained earnings are $4.2 billion versus $3.3 billion initially. The direction shows how results contributed to equity.
Overall assessment
PennyMac Financial Services's balance sheet sends more positive than negative signals, but liabilities should not begin outpacing the capital base.
Annual Balance Sheet PennyMac Financial Services
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
5.93 B | 5.02 B | 3.49 B | 2.42 B | - | 26.2 B | 6.87 B | 4.82 B | 4.99 B | 2.86 B | 1.54 B | 1.11 B | 540 M | 434 M | 79.8 M |
Long Term Debt |
6.23 B | 5.26 B | 4.43 B | 3.75 B | - | 26.7 B | 6.98 B | 4.86 B | 5.01 B | 2.94 B | 1.63 B | 1.19 B | 570 M | 447 M | 96.3 M |
Total Non Current Liabilities |
- | - | - | - | - | - | 7.16 B | 4.9 B | 5.07 B | 3.02 B | 1.67 B | 1.21 B | 581 M | 451 M | 96.8 M |
Total Liabilities |
25.1 B | 22.3 B | 15.3 B | 13.4 B | 15.4 B | 28.2 B | 8.14 B | 5.82 B | 5.65 B | 3.73 B | 2.44 B | 1.7 B | 955 M | 570 M | 165 M |
Retained Earnings |
4.21 B | 3.77 B | 3.51 B | 3.47 B | 3.29 B | 2.34 B | 726 M | 343 M | 265 M | 165 M | 98.5 M | 51.2 M | 14.4 M | 147 M | 44.7 M |
Total Assets |
29.4 B | 26.1 B | 18.8 B | 16.8 B | 18.8 B | 31.6 B | 10.2 B | 7.48 B | 7.37 B | 5.13 B | 3.51 B | 2.51 B | 1.58 B | 832 M | 289 M |
Cash and Cash Equivalents |
302 M | 238 M | 938 M | 1.33 B | 340 M | 533 M | 188 M | 155 M | 37.7 M | 99.6 M | - | - | - | - | - |
Book Value |
4.31 B | 3.83 B | 3.54 B | 3.47 B | 3.42 B | 3.39 B | 2.06 B | 1.65 B | 1.72 B | 1.4 B | 1.06 B | 807 M | 629 M | 262 M | 124 M |
Total Shareholders Equity |
4.31 B | 3.83 B | 3.54 B | 3.47 B | 3.42 B | 3.39 B | 2.06 B | 1.65 B | 1.72 B | 1.4 B | - | - | - | - | - |
All numbers in USD currency
Quarterly Balance Sheet PennyMac Financial Services
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
6.33 B | 6.23 B | - | 6.23 B | 5.58 B | 5.78 B | - | 4.93 B | 4.93 B | 4.53 B | - | 4.48 B | 4.28 B | 4.28 B | - | 3.6 B | - | 3.1 B | 3.1 B | 3.11 B | 2.61 B | 2.61 B | - | - | - | - | 1.49 B | 1.5 B | 1.52 B | 1.75 B | 1.65 B | 1.57 B | 1.47 B | 1.38 B | 1.14 B | 1.15 B | 672 M | 690 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Liabilities |
25.5 B | 27.6 B | 25.1 B | 21.2 B | 20.2 B | 20 B | 22.3 B | 19.1 B | 17.9 B | 16.2 B | 15.3 B | 15.4 B | 14.5 B | 16.7 B | - | 12.9 B | - | 11.2 B | 15.4 B | 16.2 B | 20.4 B | 27.8 B | 28.2 B | 28.2 B | 28.2 B | 28.2 B | 8.14 B | 8.14 B | 8.14 B | 8.14 B | 5.82 B | 5.82 B | 5.82 B | 5.82 B | 5.65 B | 5.65 B | 4.89 B | 3.79 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
4.28 B | 4.28 B | 4.21 B | 4.12 B | 3.96 B | 3.83 B | 3.77 B | 3.68 B | 3.63 B | 3.54 B | 3.51 B | 3.56 B | 3.48 B | 3.45 B | - | 3.48 B | - | 3.44 B | 3.29 B | 3.13 B | 2.9 B | 2.7 B | 2.34 B | 2.34 B | 2.34 B | 2.34 B | 726 M | 726 M | 726 M | 726 M | 343 M | 343 M | 343 M | 343 M | 265 M | 265 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
29.9 B | 31.9 B | 29.4 B | 25.4 B | 24.2 B | 23.9 B | 26.1 B | 22.9 B | 21.6 B | 19.8 B | 18.8 B | 18.9 B | 18 B | 20.1 B | - | 16.4 B | 14.3 B | 14.6 B | 18.8 B | 19.7 B | 23.9 B | 31.3 B | 31.6 B | 31.6 B | 31.6 B | 31.6 B | 10.2 B | 10.2 B | 10.2 B | 10.2 B | 7.48 B | 7.48 B | 7.48 B | 7.48 B | 7.37 B | 7.37 B | 6.4 B | 5.25 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
214 M | 220 M | 302 M | 622 M | 162 M | 211 M | 238 M | 146 M | 595 M | 927 M | 938 M | 1.18 B | 1.53 B | 1.5 B | - | 1.56 B | 1.42 B | 490 M | 340 M | 476 M | 324 M | 442 M | 533 M | 533 M | 533 M | 533 M | 188 M | 188 M | 188 M | 188 M | 155 M | 155 M | 155 M | 155 M | 37.7 M | 37.7 M | - | - | 99.4 M | - | - | - | 106 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
4.34 B | 4.33 B | 4.31 B | 4.21 B | 4.03 B | 3.9 B | 3.83 B | 3.74 B | 3.66 B | 3.57 B | 3.54 B | 3.57 B | 3.48 B | 3.45 B | - | 3.48 B | 14.3 B | 3.44 B | 3.42 B | 3.5 B | 3.51 B | 3.47 B | 3.39 B | 3.39 B | 3.39 B | 3.39 B | 2.06 B | 2.06 B | 2.06 B | 2.06 B | 1.65 B | 1.65 B | 1.65 B | 1.65 B | 1.72 B | 1.72 B | 1.51 B | 1.46 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
4.34 B | 4.33 B | 4.31 B | 4.21 B | 4.03 B | 3.9 B | 3.83 B | 3.74 B | 3.66 B | 3.57 B | 3.54 B | 3.57 B | 3.48 B | 3.45 B | - | 3.48 B | 3.46 B | 3.44 B | 3.42 B | 3.5 B | 3.51 B | 3.47 B | 3.39 B | 3.39 B | 3.39 B | 3.39 B | 2.06 B | 2.06 B | 2.06 B | 2.06 B | 1.65 B | 541 M | 1.65 B | 1.65 B | 469 M | 469 M | 1.51 B | 1.46 B | 1.4 B | - | - | - | 1.06 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
Balance Sheet is a fundamental financial report of PennyMac Financial Services, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
Balance sheet of other industry stocks – Mortgage finance
| Issuer | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|
 |
Altisource Portfolio Solutions S.A.
ASPS
|
$ 5.64 | 0.87 % | $ 56.8 M |  Luxembourg |
 |
Encore Capital Group
ECPG
|
$ 103.74 | 2.42 % | $ 2.41 B |  USA |
 |
Income Opportunity Realty Investors
IOR
|
$ 19.69 | - | $ 80.1 M | USA |
 |
Guild Holdings Company
GHLD
|
- | - | $ 1.23 B | USA |
|
Impac Mortgage Holdings
IMH
|
- | -2.22 % | $ 8.37 M | USA |
 |
Mr. Cooper Group
COOP
|
- | - | $ 13.6 B | USA |
 |
Ocwen Financial Corporation
OCN
|
- | -0.75 % | $ 192 M | USA |
 |
Hercules Capital, Inc.
HTGC
|
$ 16.7 | 1.9 % | $ 1.86 B | USA |
 |
Essent Group Ltd.
ESNT
|
$ 69.57 | 0.42 % | $ 6.89 B |  Bermuda |
 |
Monroe Capital Corporation
MRCC
|
- | - | $ 105 M | USA |
 |
loanDepot
LDI
|
$ 0.9 | 7.46 % | $ 302 M | USA |
 |
Ellington Financial
EFC
|
$ 13.67 | 0.11 % | $ 1.37 B | USA |
 |
CNFinance Holdings Limited
CNF
|
$ 2.25 | 0.87 % | $ 3.09 B | - |
 |
Rocket Companies
RKT
|
$ 14.76 | 0.1 % | $ 19.5 B | USA |
 |
LendingTree
TREE
|
$ 32.59 | 3.89 % | $ 443 M | USA |
 |
Velocity Financial
VEL
|
$ 18.16 | 0.33 % | $ 669 M | USA |
 |
Walker & Dunlop
WD
|
$ 42.56 | 0.07 % | $ 1.42 B | USA |