Where do PennyMac Financial Services, Inc.'s ratios come from?

Every ratio is computed from PennyMac Financial Services, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	24.5%+4.9pp	19.5%—	——	23.9%-7.7pp
EBITDA margin	76.5%-3.5pp	80.1%—	——	52.1%-4.0pp
Returns
Return on assets	1.8%+0.4pp	1.4%—	——	2.7%-1.3pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Net debt / EBITDA	-0.1×0.0×	-0.1×—	——	-1.2×-1.1×
Interest coverage	1.6×+0.1×	1.5×—	——	3×-1.5×
Valuation
Market capitalization	$6.85B+30.9%	$5.24B+18.5%	$4.42B+55.7%	$2.84B-31.1%
Enterprise value	$6.62B+31.3%	$5.05B+42.3%	$3.55B+122%	$1.59B-59.0%
Price / earnings	13.7×-3.1×	16.8×—	——	6×+1.9×
Price / sales	3.3×+0.1×	3.3×+0.1×	3.2×+1.7×	1.4×+0.1×
EV / EBITDA	4.2×+0.3×	4×—	——	1.5×-0.6×
EV / sales	3.2×+0.1×	3.2×+0.6×	2.5×+1.7×	0.8×-0.4×
Earnings yield	7.3%+1.4pp	5.9%—	——	16.8%-7.6pp
Dividend yield	0.9%-0.1pp	1%+0.1pp	0.9%-1.0pp	1.9%+0.6pp
PEG ratio	0.2×—	——	——	——

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Questions, answered.

Where do PennyMac Financial Services, Inc.'s ratios come from?: Every ratio is computed from PennyMac Financial Services, Inc.'s SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.