# PennyMac Financial Services, Inc. (PFSI) · Edgar & Edgarette company card

> PennyMac Financial Services, Inc. (PFSI) saw revenue fall 25.2% in FY2025 to $20 million, equity 14.7% of assets, and dividend per share up 2 years running. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1745916 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/PFSI) · [JSON](https://www.pops4.com/boards/company/PFSI.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $20M |
| Revenue growth, 1 year | -25.2% |
| Revenue growth per year | 28.7% |
| Operating margin | — |
| Net margin | 2491.9% |
| Operating cash flow | −$1.7B |
| Capital spending | $12M |
| Free cash flow | −$1.7B |
| Cash | $302M |
| Long-term debt | $6.2B |
| Total assets | $29.4B |
| Total equity | $4.3B |
| Equity ÷ assets | 14.7% |
| Return on equity | 11.6% |
| Dividend per share | $1.2 |
| Dividend years rising | 2 |

## Readings, computed from those figures

- Piotroski F: 2 of 9 (weak)
- Health Harbor boat: Weathered boat · two warning signs · operating cash flow was negative; revenue is hard to predict: its 80% range is ±62%
- Cash Compass: Fast, cash not yet · growing fast, but little cash arriving so far

## Edgarette's reading

Exposure: revenue $20.1M (FY2025), total debt $6.2B. Experience: revenue down 25.2% on the year, up 28.7% a year over 4 years. Soundness: equity 14.7% of assets, return on equity 11.6%, payout 12.5% of profit, dividend per share up 2 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $9.2M and $39.1M next year (method v4.1: its own 6-year record of growth weighed at 63% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $8.4M to $43.4M. A statistical range, not company guidance. Against peers (44 filers, $50M+ revenue, its industry group): growth -25.2% against 16.8%.

Range logged 2026-10-30, receipt 12dacb3ba6da84da, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 2, latest 2026-10-29 ([filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926120224/0001104659-26-120224-index.htm))

## Recent filings

- 8-K · filed 2026-10-29 · 1.01 Entry into a Material Definitive Agreement; 2.02 Results of Operations and Financial Condition; 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926120224/0001104659-26-120224-index.htm)
- 8-K · filed 2026-09-14 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926107293/0001104659-26-107293-index.htm)
- 10-Q · filed 2026-08-04 · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926090486/0001104659-26-090486-index.htm)
- 8-K · filed 2026-07-29 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926088174/0001104659-26-088174-index.htm)
- 8-K · filed 2026-06-11 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926072973/0001104659-26-072973-index.htm)
- 8-K · filed 2026-06-04 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1745916/000110465926070549/0001104659-26-070549-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001745916.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1745916

## Cite

POPS4, Edgar & Edgarette: PennyMac Financial Services, Inc. (PFSI) company card, from the company's own SEC filings, accessed 2026-10-30, https://www.pops4.com/boards/company/PFSI. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.