What is the long-term trend for PennyMac Financial Services, Inc.'s free cash flow margin?

Over 3 years (2020 to 2024), PennyMac Financial Services, Inc.'s free cash flow margin has grown at a 19.3% compound annual growth rate (CAGR), from -167.6% to -284.6%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

PennyMac Financial Services, Inc. PFSI Free cash flow margin

Free cash flow margin at other companies

Rocket CompaniesRKT

-16.2%—

SoFi Technologies, Inc.SOFI

-160.7%-834pp

First BanCorpFBP

44.2%+3.7pp

EFC

Ellington Financial Inc.EFC

-115.6%+364pp

Axos FinancialAX

31.5%+3.2pp

Arch Capital GroupACGL

29.6%-6.3pp

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

Returns & leverage

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Return on equity8.3%—

Debt / equity1.4×—

Where this comes from

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

free cash flow/total revenue=-149.5%

Based on trailing twelve months.

The official record: PennyMac Financial Services, Inc.’s 10-Q, filed April 29, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is PennyMac Financial Services, Inc.'s free cash flow margin?: PennyMac Financial Services, Inc. (PFSI) reported free cash flow margin of -149.5% in Q1 2025.
What is the long-term trend for PennyMac Financial Services, Inc.'s free cash flow margin?: Over 3 years (2020 to 2024), PennyMac Financial Services, Inc.'s free cash flow margin has grown at a 19.3% compound annual growth rate (CAGR), from -167.6% to -284.6%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.