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PennyMac Financial Services Income Statement 2025-2011 | PFSI
Brief overview of profit and loss at PennyMac Financial Services
The comparison covers a five-year financial horizon. The revenue attributed to PennyMac Financial Services moved from $6.7 million to $20.1 million between the two endpoints. Overall revenue changed by +198.5%, equal to an annualized rate of about 24.4%. The annual growth rate indicates an exceptionally strong top-line trend.
Net profit was 1.6 billion dollars at the start and 501 million dollars at the end. Lower net income weakens the overall financial picture.
Market value was $4.3 billion at the start and $4.8 billion at the end. Capitalization moved ahead of the business fundamentals.
Financial takeaway
The five-year picture requires weighing both strengths and weaknesses. The financial profile benefits from sales growth. The overall view is constrained by a weaker final result. The next reporting periods will show whether revenue, margins, and final profitability can strengthen.
Annual Income Statement PennyMac Financial Services
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
4.81 B | 5.24 B | 4.33 B | 3.21 B | 3.98 B | 4.28 B | 2.68 B | 694 M | 521 M | 375 M | 259 M | 383 M | 294 M | - | - |
Shares |
51.7 M | 51 M | 50 M | 53.1 M | 63.8 M | 75.2 M | 78.5 M | 33.5 M | 23.2 M | 22.2 M | 21.8 M | 21.2 M | 17.3 M | - | - |
Historical Prices |
93.1 | 103 | 86.5 | 60.5 | 62.3 | 56.9 | 32.6 | 20 | 21.1 | 16.1 | 11.3 | 17.1 | 16.1 | - | - |
Net Income |
501 M | 311 M | 145 M | 476 M | 1 B | 1.65 B | 393 M | 87.7 M | 101 M | 66.1 M | 47.2 M | 36.8 M | 14.4 M | 118 M | 14.7 M |
Revenue |
20.1 M | 26.9 M | 13.4 M | 12.4 M | 7.32 M | 6.74 M | 1.69 B | 1.13 B | 1.1 B | 1.04 B | 782 M | 556 M | 403 M | 273 M | 76.7 M |
Cost of Revenue |
783 M | 633 M | 577 M | 735 M | 1 B | 739 M | 503 M | 403 M | 359 M | 342 M | - | - | - | - | - |
Gross Profit |
- | - | - | - | - | - | 692 M | 417 M | 459 M | 481 M | 353 M | 270 M | 221 M | 142 M | 24.8 M |
Interest Expense |
-36.1 M | -25.8 M | 638 M | 335 M | 391 M | 272 M | 212 M | 145 M | 145 M | 106 M | - | - | - | - | - |
EBITDA |
54.4 M | 56 M | 53.2 M | 34.4 M | 28.6 M | 25.6 M | 1.17 B | 553 M | 639 M | 734 M | 468 M | 286 M | 220 M | 144 M | 26.3 M |
Operating Expenses |
1.5 B | 1.19 B | 1.22 B | 1.32 B | 1.81 B | 1.46 B | 130 M | 123 M | 102 M | 53.4 M | 40.6 M | 26.5 M | 31.7 M | 11.5 M | 8.18 M |
General and Administrative Expenses |
- | - | - | - | - | - | 130 M | 115 M | 92.5 M | 53.4 M | 40.6 M | 26.5 M | 22.6 M | 11.5 M | 7.83 M |
All numbers in USD currency
Quarterly Income Statement 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
51.9 M | 52.1 M | 52.1 M | 51.7 M | 51.7 M | 51.5 M | 51.4 M | 51.2 M | 51 M | 50.5 M | 50.2 M | 49.9 M | 49.9 M | 50.2 M | - | 52.2 M | 54.2 M | 55.8 M | - | 62.1 M | 65.9 M | 69.1 M | - | 72.4 M | 77.8 M | 78.7 M | - | 78.4 M | 78.3 M | 77.7 M | - | 25.1 M | 25 M | 23.8 M | - | 23.4 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Net Income |
21.7 M | 82.3 M | - | 182 M | 136 M | 76.3 M | - | 69.4 M | 98.3 M | 39.3 M | - | 92.9 M | 58.2 M | 30.4 M | - | 135 M | 129 M | 174 M | - | 249 M | 204 M | 377 M | - | 535 M | 353 M | 306 M | 153 M | 121 M | 72.7 M | 46.1 M | 38.7 M | 14.5 M | 17.8 M | 16.6 M | 62.3 M | 17.1 M | 10.5 M | 10.9 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Revenue |
19.5 M | 6.12 M | - | 4.58 M | 4.52 M | 4.92 M | - | 3.44 M | 15.7 M | 3.62 M | - | 2.88 M | 2.94 M | 2.2 M | - | 3.24 M | 2.65 M | 2.89 M | - | 1.29 M | 80.8 M | 82.1 M | - | 53 M | 47.3 M | 72.6 M | - | 83.5 M | 70.9 M | 58.3 M | 251 M | 61 M | 55.1 M | 42.6 M | 299 M | 44.4 M | 202 M | 204 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cost of Revenue |
223 M | 216 M | - | 205 M | 188 M | 182 M | - | 171 M | 142 M | 146 M | - | 157 M | 137 M | 148 M | - | 158 M | 198 M | 246 M | - | 249 M | 265 M | 259 M | - | 202 M | 180 M | 168 M | - | 141 M | 115 M | 107 M | - | 103 M | 98.5 M | 102 M | - | 93.4 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
-28.3 M | -41.5 M | - | -1.15 M | -17.6 M | -18.2 M | - | 7.87 M | -7.06 M | -9.34 M | - | 9.69 M | 179 M | 132 M | - | 83 M | 71.1 M | 77.3 M | - | 90.7 M | 102 M | 108 M | - | 63.2 M | 53.2 M | 61.5 M | - | 56.4 M | 52.9 M | 37.5 M | - | 38.8 M | 32.6 M | 36.7 M | - | 42.5 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA |
27.9 M | 13.5 M | - | 41.6 M | - | 13.9 M | - | - | - | 14.2 M | - | - | - | 12.7 M | - | 23.8 M | - | 7.01 M | - | 21.7 M | - | 7.63 M | - | 17.1 M | 10.7 M | 5.35 M | - | 10.6 M | 6.75 M | 3.16 M | - | 9.05 M | 5.65 M | 2.59 M | - | 6.23 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Operating Expenses |
465 M | 440 M | - | 397 M | 368 M | 327 M | - | 318 M | 272 M | 262 M | - | 274 M | 264 M | 265 M | - | 291 M | 334 M | 423 M | - | 447 M | 463 M | 439 M | - | 392 M | 341 M | 307 M | 287 M | 270 M | 203 M | 187 M | 193 M | 189 M | 170 M | 165 M | 177 M | 156 M | 144 M | 142 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
The income statement is one of the three key financial reports of a company PennyMac Financial Services (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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