What does debt-to-equity mean?

Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.

PennyMac Financial Services, Inc. PFSI Debt-to-equity

Discontinued — last reported Q4 '18

Debt-to-equity at other companies

Rithm CapitalRITM

0×-4.3×

Rocket CompaniesRKT

0.4×+0.4×

SoFi Technologies, Inc.SOFI

0.2×-0.3×

First BanCorpFBP

0.2×0.0×

EFC

Ellington Financial Inc.EFC

0.3×+0.2×

Axos FinancialAX

0.1×0.0×

Other financials

Income statement

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Revenue$545.0M+26.5%

Net income$82.3M+7.9%

EPS (diluted)$1.53+7.7%

Balance sheet

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Cash & equivalents$219.5M+4.0%

Total debt$72.4M+63.3%

Total assets$31.9B+33.8%

Cash flow

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Operating cash flow-$1.3B-226%

CapEx$2.3M+506%

Free cash flow-$1.3B-226%

Valuation

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Market cap$4.28B-11.5%

Enterprise value$4.13B-11.4%

P/E8.4×-5.4×

P/S2×-0.8×

Profitability

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Net margin23.5%+3.2pp

FCF margin-149.5%—

Returns & leverage

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Return on equity8.3%—

Where this comes from

Calculated from PennyMac Financial Services, Inc.’s reported figures.

total debt/total stockholders equity=1.4×

Based on the most recent quarter.

The official record: PennyMac Financial Services, Inc.’s 10-K, filed February 25, 2021, on SEC EDGAR. View the filing →

Questions, answered.

What does debt-to-equity mean?: Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.