OakChart

PennyMac Financial Services Inc

PFSIFinancial·Mortgage Finance·USA·Mid·NYSE·Nov 11 • 1:07 PM ET

62.30-0.55 (-0.88%)
2026-11-11 19:07 CET
Market cap
3,265.57 USD m
Revenue, TTM
4,340.09 USD m
Net income, TTM
239.53 USD m
Free cash flow, TTM
248.46 USD m
EPS diluted, TTM
4.45
P/E
14.01
Compare

Price

PFSI against its 20, 50 and 200-day averages
2050200miss
60.0080.00100.001.2M2.4MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PFSIclose 62.3020-day 63.3350-day 64.62200-day 80.9862.3052w low

61.2% under the 52-week high of 160.36 on 16 Jan 2026. 52-week low 57.52 on 14 Oct 2026. Last 15 sessions, 15.5% high to low

Profile

PFSI
52-week range, 5% of the way up
57.52160.36

PennyMac Financial Services, Inc. is a holding company, which engages in the production and servicing of U.S. residential mortgage loans. It operates through the following segments: Loan Production, Loan Servicing, and Investment Management. The Loan Production segment is sourced through three channels: correspondent production, consumer direct lending, and broker direct lending. The Loan Servicing segment performs loan administration, collection, and default management activities. The Investment Management segment currently manages PennyMac Mortgage Investment Trust. The company was founded by Stanford L. Kurland on July 2, 2008 and is headquartered in Westlake Village, CA.

IndexRUT
Employees4900
IPOMay 09, 2013
Beta1.48
ATR, 14d2.52
Rel volume0.41
Short float11.14%
Insider own34.14%
Inst own65.55%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap3.24B
Enterprise Value17.94B
Income239.53M
Sales4.34B
Book/sh83.85
Cash/sh12.43
Dividend Est.1.20 (1.93%)
Dividend TTM1.20 (1.93%)
Dividend Ex-DateNov 16, 2026
Dividend Gr. 3/5Y14.47% 17.32%
Payout12.90%
Employees4900
IPOMay 09, 2013

Ratios

P/E14.01
Forward P/E8.29
PEG1.25
P/S0.75
P/B0.74
P/C5.01
P/FCF13.03
EV/EBITDA13.57
EV/Sales4.13
Quick Ratio0.09
Current Ratio0.09
Debt/Eq3.52
LT Debt/Eq1.51
Option/ShortYes / Yes

Earnings

EPS (ttm)4.45
EPS next Y7.51
EPS next Q1.13
EPS this Y-60.04%
EPS next Y102.19%
EPS next 5Y6.65%
EPS past 3/5Y3.05% -14.97%
Sales past 3/5Y15.79% 0.08%
EPS Y/Y TTM-52.39%
Sales Y/Y TTM3.56%
EPS Q/Q-83.99%
Sales Q/Q-34.08%
EarningsOct 29 AMC
EPS/Sales Surpr.-57.42% -11.80%

Ownership

Insider Own34.14%
Insider Trans-0.10%
Inst Own65.55%
Inst Trans-0.63%
ROA0.87%
ROE5.59%
ROIC2.19%
Gross Margin85.04%
Oper. Margin28.78%
Profit Margin5.52%
SMA20-1.64%
SMA50-3.59%
SMA200-23.07%
Trades-

Technical

Shs Outstand51.96M
Shs Float34.22M
Short Float11.14%
Short Ratio6.52
Short Interest3.81M
52W High160.36 -61.15%
52W Low57.52 8.30%
Volatility4.31% 3.82%
ATR (14)2.52
RSI (14)45.26
Beta1.48
Rel Volume0.41
Avg Volume584.17K
Volume139,152

Performance

Perf Week-7.78%
Perf Month5.07%
Perf Quarter-21.62%
Perf Half Y-29.00%
Perf YTD-52.75%
Perf Year-51.89%
Perf 3Y-13.44%
Perf 5Y-5.50%
Perf 10Y286.97%
Recom2.43
Target Price72.17
Prev Close62.85
Price62.30
Change %-0.88%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Jul 30, 2026DowngradePPiper SandlerOverweight → Neutral$86+38.0%
Jul 07, 2026DowngradeBBarclaysOverweight → Equal Weight$93+49.3%
Apr 24, 2026InitiatedSStephensEqual-Weight$100+60.5%
Mar 16, 2026UpgradeKKeefe BruyetteMkt Perform → Outperform$115+84.6%
Dec 19, 2025InitiatedJJefferiesBuy$160+156.8%
Oct 07, 2025DowngradeKKeefe BruyetteOutperform → Mkt Perform$129+107.1%
Aug 25, 2025ResumedWWells FargoOverweight$115+84.6%
Apr 08, 2025UpgradeKKeefe BruyetteMkt Perform → Outperform$114+83.0%
Jul 22, 2024DowngradeKKeefe BruyetteOutperform → Mkt Perform$102+63.7%
Apr 09, 2024UpgradeKKeefe BruyetteMkt Perform → Outperform$100 → $105+68.5%

Peers

Mkt cap
TickerCompanyMkt cap
UWMCUWM Holdings Corp2.19B
RKTRocket Companies Inc40.65B
LDILoanDepot Inc154.50M
ONITOnity Group Inc238.46M
RITMRithm Capital Corp5.14B
BETRBetter Home & Finance Holding Co313.45M
WDWalker & Dunlop Inc1.39B
PMTPennymac Mortgage Investment Trust652.71M
FOAFinance of America Companies Inc296.37M
AGNCAGNC Investment Corp10.85B

Insider trading

latest 14 of 45
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
MAZZELLA JOSEPH FOfficerAug 04 '26Proposed Sale77.393,401263,220Aug 04 04:42 PM
Hendry Gregory LMD, Chief Accounting OfficerJul 01 '26Option Exercise24.402,17753,11951,145Jul 02 05:28 PM
Hendry Gregory LMD, Chief Accounting OfficerJul 01 '26Sale86.892,177189,16048,968Jul 02 05:28 PM
Hendry Gregory LOfficerJul 01 '26Proposed Sale86.892,177189,160Jul 01 04:16 PM
Hendry Gregory LMD, Chief Accounting OfficerJun 22 '26Option Exercise18.052,94353,12151,911Jun 24 05:23 PM
Hendry Gregory LMD, Chief Accounting OfficerJun 22 '26Sale81.712,943240,47348,968Jun 24 05:23 PM
Hendry Gregory LOfficerJun 22 '26Proposed Sale81.712,943240,473Jun 22 04:09 PM
Perotti Daniel StanleyChief Financial OfficerMay 15 '26Sale87.502,925255,938210,625May 18 06:08 PM
Perotti Daniel StanleyOfficerMay 15 '26Proposed Sale87.502,925255,938May 15 04:24 PM
SPECTOR DAVIDChairman & CEOMay 12 '26Sale87.9910,000879,85860,604May 13 05:14 PM
David SpectorOfficerMay 12 '26Proposed Sale88.6310,000886,300May 12 05:39 PM
SPECTOR DAVIDChairman & CEOApr 14 '26Sale92.8310,000928,27970,604Apr 15 05:39 PM
David SpectorOfficerApr 14 '26Proposed Sale92.6710,000926,700Apr 14 04:53 PM
ELBAUM MARKOfficerApr 08 '26Proposed Sale92.1341938,602Apr 09 04:26 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 206
  • PennyMac Misses As Production Swings To A Loss And ROE Guidance Is Cut Again, While Servicing Strength Fails To Offset The Reset (Earnings Whispers)
  • PennyMac Mortgage: Q3 Earnings Snapshot (Associated Press)
  • PennyMac: Q3 Earnings Snapshot (Associated Press)
  • PennyMac Mortgage Investment Trust Reports Third Quarter 2026 Results and Announces Changes to its Leadership Team (Business Wire)
  • PennyMac Financial Services, Inc. Reports Third Quarter 2026 Results and Announces Changes to its Leadership Team (Business Wire)
  • Loading…
  • PennyMac Mortgage Investment Trust Reschedules Third Quarter 2026 Earnings Call to 6:30 PM ET on Thursday, October 29 (Business Wire)
  • PennyMac Financial Services, Inc. Reschedules Third Quarter 2026 Earnings Call to 5:30 PM ET on Thursday, October 29 (Business Wire)
  • PennyMac Faces Proof Test On Cost Cuts And Recapture After Third Straight Guidance Reset (Earnings Whispers) +6.43%
  • Vesta raises $30M to bring swarms of agents to mortgage lenders (TechCrunch)
  • PennyMac Mortgage Investment Trust Announces Date for Release of Third Quarter 2026 Results (Business Wire)
  • PennyMac Financial Services, Inc. Announces Date for Release of Third Quarter 2026 Results (Business Wire)
  • PennyMac Financial Services, Inc. Live with VantageScore 4.0 Across All Three Production Channels (Business Wire)
  • Pennymac Launches "Welcome Home" a Video Series Pairing Team USA Athletes With Home Loan Experts (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-290.5401.2680.540469531.776
2026Q22026-07-290.4102.1140.408497571.67
2026Q12026-05-051.5302.2651.529544.98546.177
2025Q42026-01-291.9703.1041.972538.01632.638
2025Q32025-10-213.3702.7023.369632.9591.246
2025Q22025-07-222.5402.7462.544444.73553.797
2025Q12025-04-221.4202.6321.423430.9531.367
2024Q42025-01-301.9503.1241.950470.11525.988
2024Q32024-10-221.3002.7151.297411.83513.129
2024Q22024-07-231.8502.5641.847406.13469.649
2024Q12024-04-240.7402.2650.740305.66430.7910
2023Q42024-02-01-0.740-0.610-0.737361.94418.495
2023Q32023-10-261.7701.6931.767400.31401.966
2023Q22023-07-271.1101.6181.115336.55398.957
2023Q12023-04-270.5701.0620.569293.59344.367
2022Q42023-02-020.7101.0770.709340.45348.747

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.2402.5804.030955.46907.72
2018FY2.5902.2812.592984.6965.3
2019FY6.0505.2414.8911,4771,474
2020FY20.92021.11020.9193,7063,703
2021FY14.87015.48314.8733,1673,229
2022FY8.5008.4208.4991,9861,952
2023FY2.7402.2382.7431,4021,463
2024FY5.8407.1985.8371,5941,647
2025FY9.30010.4289.3002,0472,189
2026FY-3.716--2,011
2027FY-7.513--2,058
2028FY-11.283--2,304

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-02615473.78392540.8
2026Q4S2026-10-30615473.72392540.8
2026Q4S2026-10-29614545.1512.8603
2026Q4S2026-10-27614545.1512.8603
2026Q4S2026-10-26613554.23512.8603
2026Q4S2026-10-13714547.42506.51603
2026Q4S2026-10-11715547.42506.51603
2026Q4S2026-10-09716547.42506.51603
2026Q4S2026-10-07716565.72521603
2026Q4S2026-10-06716574.87540.8603
2026Q4S2026-09-18707576.39521.9632.5
2026Q4S2026-08-14707580.86553.2632.5
2026Q4S2026-07-30707581.7553.2632.5
2026Q4S2026-07-28714624.66582665.4

Estimate history

EPS, annual4.032.5924.89120.91914.8738.4992.7435.8379.34.4478
Period201720182019202020212022202320242025TTM
EPS, quarterly1.2971.951.4232.5443.3691.9721.5290.4080.539
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual1375.7661398.2812211.634218.8464733.6482728.4062746.6893910.9144235.6414340.09
Period201720182019202020212022202320242025TTM
Sales, quarterly958.1591136.674810.308948.5511295.4021181.381352.024952.803853.879
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual23.5377.49478.51570.90656.86749.98850.17951.37752.06151.956
Period201720182019202020212022202320242025MRQ
Shares, quarterly51.25851.37751.65951.67251.87552.06151.92351.94451.956
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue4,340.094,235.643,910.912,746.692,728.414,733.654,218.852,211.631,398.28
Total Expenses3,090.822,799.702,748.231,958.161,775.543,096.021,803.571,528.691,025.22
Operating Income1,249.271,435.941,162.69788.53952.871,637.632,415.28682.94373.06
Unusual Expense0.000.000.000.000.000.00---
Net Income Before Taxes313.17551.42401.03183.63665.251,359.182,240.61529.44267.70
Income Taxes73.6450.3489.6038.98189.74355.69593.73136.4823.25
Consolidated Net Income239.53501.08311.42144.66475.511,003.491,646.88392.96244.44
Net Income From Continuing Operations239.53501.08311.42144.66475.511,003.491,646.88392.9687.69
Net Income239.53501.08311.42144.66475.511,003.491,646.88392.9687.69
EPS (Recurring)4.519.305.842.748.5014.8720.924.892.59
EPS (Basic, Before Extraordinaries)4.609.696.112.898.9615.7321.915.022.62
EPS (Diluted)4.459.305.842.748.5014.8720.924.892.59
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense16.6328.6216.4921.7933.6237.7932.9318.0819.95
Price To Earnings Ratio14.1314.1332.4621.255.414.753.116.965.24
Price To Sales Ratio0.761.681.391.701.160.991.221.240.54
Gross Margin85.0487.7289.8489.5687.8687.4185.5183.4684.51
Operating Margin28.7833.9029.7328.7134.9234.6057.2530.8826.68
Net Margin5.5211.837.965.2717.4321.2039.0417.776.27
Shares Outstanding51.9652.0651.3850.1849.9956.8770.9178.5277.49
Market Capitalization3,265.573,265.575,235.474,411.942,837.614,119.064,753.792,670.40535.39

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue853.88952.801,352.021,181.381,295.40948.55810.311,136.67
Total Expenses575.62676.621,026.48812.10828.35648.85510.38798.75
Operating Income278.26276.19325.55369.28467.05299.70299.92337.93
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes42.5531.52104.69134.41236.3776.44104.20129.36
Income Taxes13.899.8022.3727.5754.87-60.0227.9224.88
Consolidated Net Income28.6521.7382.32106.83181.50136.4676.28104.49
Net Income From Continuing Operations28.6521.7382.32106.83181.50136.4676.28104.49
Net Income28.6521.7382.32106.83181.50136.4676.28104.49
EPS (Recurring)0.540.411.531.973.372.541.421.95
EPS (Basic, Before Extraordinaries)0.550.421.582.053.512.641.482.04
EPS (Diluted)0.540.411.531.973.372.541.421.95
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.093.531.936.087.845.948.76-0.35
Price To Earnings Ratio14.139.259.3914.2017.1715.2917.1632.46
Price To Sales Ratio0.760.970.991.691.591.391.401.40
Gross Margin83.0280.9887.8386.6089.6486.1088.2089.19
Operating Margin32.5928.9924.0831.2636.0531.6037.0129.73
Net Margin3.362.286.099.0414.0114.399.419.19
Shares Outstanding51.9651.9451.9252.0651.8851.6751.6651.38
Market Capitalization3,265.574,522.664,559.476,851.136,405.835,147.765,149.065,235.47

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments711.72659.03948.641,340.73346.97547.93262.90273.11207.81
Short Term Receivables141.87164.23132.26118.2163.76167.87155.67164.49180.22
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments1,500.791,508.40874.24796.681,037.151,302.99511.47412.43398.69
Investment in Unconsolidated Affiliates0.000.000.000.000.001.101.671.401.21
Net Property, Plant & Equipment79.5549.4968.9494.25120.72107.15103.5733.3729.45
Other Intangible Assets26,954.7723,705.7416,820.4914,472.7017,208.0129,470.759,168.736,593.776,550.72
Total Assets29,388.6926,086.8918,844.5616,822.5818,776.6131,597.7910,204.027,478.577,368.09
Total Debt15,723.4914,443.178,669.127,096.9910,959.9112,355.746,223.793,981.123,821.41
Long Term Debt6,215.435,241.754,439.423,783.893,163.342,159.911,559.431,508.97898.86
Provision for Risks Charges34.8929.1330.7932.4243.5232.6921.4521.1620.05
Other Liabilities9,321.337,784.946,606.056,222.124,354.8515,819.981,897.281,822.511,806.96
Total Liabilities25,079.7122,257.2415,305.9613,351.5315,358.2928,208.418,142.515,824.785,648.42
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity4,308.983,829.653,538.603,471.053,418.323,389.392,061.511,653.79469.41
Total Shareholders Equity4,308.983,829.653,538.603,471.053,418.323,389.392,061.511,653.79469.41
Accumulated Minority Interest0.000.000.000.000.000.000.000.001,250.26
Total Equity4,308.983,829.653,538.603,471.053,418.323,389.392,061.511,653.791,719.67
Total Liabilities & Stockholders Equity29,388.6926,086.8918,844.5616,822.5818,776.6131,597.7910,204.027,478.577,368.09
Book Value Per Share82.7774.5470.5269.4460.1147.8026.2621.3419.95
Tangible Book Value Per Share-103.69-98.01-73.93-52.81-10.0110.25-11.82-15.57-71.22
Full-Time Employees4,9004,1003,9144,1357,2086,6324,2153,4603,189
Price to Book Ratio0.751.401.230.831.161.371.301.001.28
Return on Assets1.811.390.812.673.987.884.441.181.61
Return on Equity12.318.454.1313.8029.4860.4321.158.2624.67
Return on Invested Capital4.763.431.816.5515.2529.6810.852.777.36
Quick Ratio0.080.080.190.310.050.060.060.100.07
Current Ratio0.080.080.190.310.050.060.060.100.07

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations78.42-1,641.11-4,323.73-1,593.465,727.572,585.69-5,692.09-2,157.45599.68
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital187.89241.20-193.6087.85342.20209.95-115.4110.446.13
Income Taxes Payable77.9053.0288.1140.14317.4862.56118.13104.0225.31
Cash from Operating Activities266.31-1,399.91-4,517.33-1,505.616,069.772,795.64-5,807.50-2,147.00605.81
Capital Expenditures-73.84-51.20-22.10-36.17-83.09-56.88-84.23-262.95-258.53
Net Assets From Acquisitions0.000.000.000.000.00-0.000.00-
Sale of Fixed Assets and Businesses0.000.000.001.000.00-0.000.00-
Purchase or Sale of Investments-533.85-359.07-526.61-94.53233.38186.91-72.4522.0945.04
Purchase of Investments-238.24-369.59-526.61-96.46-5.320.00-131.84-21.13-7.21
Sale Or Maturity of Investments-295.6110.520.001.93238.70186.9159.3943.2152.26
Other Uses-1,356.210.00-1,637.95-241.96-871.88-434.400.000.00-122.23
Other Sources693.85962.77298.7098.370.000.00939.71389.6513.10
Cash from Investing Activities-1,770.12300.42-1,903.90-349.90-758.12-536.94391.5950.66-356.03
Cash Dividends Paid-63.30-62.55-52.16-41.45-54.62-52.90-30.95-9.71-10.05
Change in Capital Stock-42.724.3310.66-54.28-403.14-950.66-328.094.090.02
Repurchase of Common Pref Stock-50.01-4.740.00-71.49-406.09-958.19-337.48-1.06-5.29
Sale of Common Pref Stock7.299.0710.6617.212.957.549.395.145.32
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net1,227.461,220.905,762.841,570.20-3,838.06-1,438.835,504.522,139.25-122.00
Change in Long Term Debt1,015.231,639.96614.08716.98-3.49969.43-41.32-32.71318.90
Issuance of Long Term Debt140.232,289.96614.08716.98-1,112.43-18.521,280.02
Reduction of Long Term Debt875.00-650.00-0.00-3.49-143.00-41.32-51.23-961.12
Net Financing Active Other Cash Flow-6.21-3.76-9.40-9.14-7.78-8.99-5.26-4.630.00
Other Financing Activities Uses-6.21-3.76-9.40-9.14-7.78-8.99-5.26-4.630.00
Cash from Financing Activities1,115.231,162.695,721.341,465.34-4,323.21-2,451.385,760.112,128.99-132.03
Net Change in Cash-388.5763.20-699.89-390.17988.45-192.69344.2032.65117.75
Free Cash Flow248.46-1,411.83-4,519.04-1,506.996,062.612,787.74-5,818.17-2,153.13592.39
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow17.71---0.531.72--1.29

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments645.87748.62653.73711.72684.15624.45
Short Term Receivables203.73178.25162.89141.87180.18165.16
Investments1,610.131,401.021,565.601,500.791,373.031,397.17
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment103.64105.0976.9379.5550.7441.50
Other Intangible Assets27,348.7127,426.4729,484.8526,954.7723,113.0221,993.63
Total Assets29,912.0929,859.4531,944.0029,388.6925,401.1224,221.90
Total Debt15,345.1015,496.5017,201.8915,723.4914,037.4813,596.79
Long Term Debt6,573.546,354.076,316.906,215.436,202.765,548.86
Provision for Risks Charges38.3137.2935.8034.8933.0631.76
Other Liabilities10,172.099,988.7810,380.549,321.337,122.696,560.85
Total Liabilities25,555.5025,522.5627,618.2425,079.7121,193.2320,189.40
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity4,356.584,336.894,325.764,308.984,207.894,032.50
Total Shareholders Equity4,356.584,336.894,325.764,308.984,207.894,032.50
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity4,356.584,336.894,325.764,308.984,207.894,032.50
Total Liabilities & Stockholders Equity29,912.0929,859.4531,944.0029,388.6925,401.1224,221.90
Book Value Per Share83.8583.4983.3182.7781.1278.04
Tangible Book Value Per Share-142.30-122.46-114.31-103.69-107.01-108.59
Full-Time Employees---4,900--
Price to Book Ratio0.751.051.061.631.591.32
Return on Assets0.871.451.821.812.071.69
Return on Equity5.599.3812.3212.3112.5510.05
Return on Invested Capital0.260.200.771.021.741.42
Quick Ratio0.090.090.070.080.100.09
Current Ratio0.090.090.070.080.100.09

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations883.252,087.92-1,040.80-1,851.95-709.26-112.75
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital69.32100.39-204.10222.2940.19-29.24
Income Taxes Payable13.669.1522.4732.6253.94-61.19
Cash from Operating Activities952.572,188.31-1,244.90-1,629.67-669.07-141.99
Capital Expenditures-16.54-16.16-18.18-22.97-10.28-10.45
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments403.83-357.703.58-583.56406.92-108.01
Purchase of Investments351.63-343.81-10.30-235.7548.59-108.01
Sale Or Maturity of Investments52.20-13.8813.88-347.81358.320.00
Other Uses-1,086.92-91.25-178.040.000.000.00
Other Sources36.7262.1361.99533.01356.40-38.96
Cash from Investing Activities-761.08-434.33-241.60-333.10724.74-146.74
Cash Dividends Paid-15.89-15.88-15.60-15.93-15.81-15.81
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock6.610.72-52.492.43-0.300.51
Repurchase of Common Pref Stock0.000.00-50.010.00-4.740.00
Sale of Common Pref Stock6.610.72-2.482.434.440.51
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-156.92-1,744.061,472.411,656.03420.17905.12
Change in Long Term Debt203.08-5.3895.50722.02-88.30827.30
Issuance of Long Term Debt203.08369.6295.50-527.981,161.70827.30
Reduction of Long Term Debt0.00-375.000.001,250.00-1,250.00-
Net Financing Active Other Cash Flow-0.020.00-6.190.000.000.00
Other Financing Activities Uses-0.020.00-6.190.000.000.00
Cash from Financing Activities-172.41-1,759.221,404.331,642.53404.07239.82
Net Change in Cash19.08-5.24-82.17-320.24459.74-48.91
Free Cash Flow948.522,184.93-1,247.15-1,637.84-671.15-143.29
Price to Free Cash Flow17.71-----

Revenue breakdown

Mortgage Bankers & Loan Correspondents2024: 26.87M 2025: 20.11M
United States2024: 26.87M 2025: 20.11M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3011.14%3.8M34.2M619.52K
2026-10-1510.80%3.7M34.2M624.00K
2026-09-309.69%3.3M34.2M571.50K
2026-09-158.75%3.0M34.2M578.59K
2026-08-318.52%2.9M34.2M576.71K
2026-08-148.27%2.8M34.2M598.39K
2026-07-317.69%2.6M34.2M585.84K
2026-07-157.05%2.4M34.1M546.65K
2026-06-307.12%2.4M34.1M559.55K
2026-06-156.67%2.3M34.1M545.02K
2026-05-295.34%1.8M34.2M590.92K
2026-05-155.89%2.0M34.2M650.97K
2026-04-307.10%2.4M34.1M801.01K
2026-04-157.18%2.5M34.3M908.46K
2026-03-315.64%1.9M34.2M877.80K
2026-03-135.44%1.9M34.2M817.31K
2026-02-275.91%2.0M34.2M729.31K
2026-02-135.76%2.0M34.2M646.95K
2026-01-302.67%1.3M49.8M435.55K
2026-01-152.42%1.2M49.8M336.53K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call40.0020.9024.400.002.9520.000.000.965-0.0720.008
call45.0015.9019.400.002.4030.000.000.912-0.1480.016
call50.0010.9014.400.001.8630.000.000.886-0.1350.019
call55.006.309.0025.001.2121.000.000.840-0.1160.024
call60.001.654.703.700.8754680.000.628-0.2140.037
call65.000.002.601.900.9446230.000.416-0.1950.038
call70.000.050.950.750.8316900.000.216-0.1330.029
call75.000.002.150.151.11980.000.000.174-0.1570.025
call80.000.000.200.800.9446.000.000.054-0.0570.011
call85.000.002.150.101.12089.000.000.047-0.0600.010
call90.000.002.002.901.2802730.000.042-0.0630.009
call95.000.002.152.701.4281290.000.039-0.0650.008
call1000.002.150.651.5611.000.000.036-0.0670.008
call1050.000.550.301.6802510.000.034-0.0690.007
call1100.002.152.801.8091.000.000.032-0.0710.007
call1150.002.150.001.9250.000.000.030-0.0720.007
call1200.000.950.002.0320.000.000.029-0.0730.006
call1250.002.150.002.1330.000.000.028-0.0750.006
call1300.002.151.002.2301.000.000.027-0.0760.006
call1350.002.150.002.3220.000.000.026-0.0770.006
put40.000.000.250.051.6344.000.00-0.034-0.0650.008
put45.000.000.750.651.7042.000.00-0.087-0.1470.016
put50.000.000.750.101.2745.000.00-0.113-0.1330.019
put55.000.000.750.050.8651200.00-0.159-0.1130.024
put60.000.503.100.351.0881290.00-0.376-0.2110.037
put65.001.404.801.300.8251,9030.00-0.588-0.1920.038
put70.005.909.003.901.0073.000.00-0.786-0.1310.028
put75.0010.9014.008.501.2827510.00-0.827-0.1540.025
put80.0017.5018.2014.111.2145860.00-0.945-0.0510.011
put85.0020.9024.006.701.7981400.00-0.952-0.0540.010
put90.0025.9029.300.002.1050.000.00-0.957-0.0560.009
put95.0030.9034.0026.502.1700.000.00-0.961-0.0580.008
put10035.9039.000.002.3890.000.00-0.964-0.0590.008
put10540.9044.000.002.5540.000.00-0.966-0.0610.007
put11045.9049.300.002.8460.000.00-0.968-0.0620.007
put11550.9054.300.002.9930.000.00-0.969-0.0630.007
put12055.9059.300.003.1320.000.00-0.970-0.0630.006
put12560.9064.300.003.2640.000.00-0.972-0.0640.006
put13065.9069.300.003.3420.000.00-0.973-0.0650.006
put13570.9074.300.003.4600.000.00-0.973-0.0650.006

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-044Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-03SEC
2026-11-044Statement of changes in beneficial ownership of securities2026-11-02SEC
2026-11-0310-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-298-KCurrent report2026-10-29SEC
2026-09-148-KCurrent report2026-09-14SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-08-0410-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-298-KCurrent report2026-07-29SEC
2026-07-024Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-01144Filing for proposed sale of securities under Rule 144.SEC
2026-06-244Statement of changes in beneficial ownership of securities2026-06-22SEC
2026-06-22144Filing for proposed sale of securities under Rule 144.SEC
2026-06-118-KCurrent report2026-06-05SEC
2026-06-093Initial statement of beneficial ownership of securities2026-06-05SEC
2026-06-04S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-06-048-KCurrent report2026-06-03SEC
2026-05-184Statement of changes in beneficial ownership of securities2026-05-15SEC
2026-05-15144Filing for proposed sale of securities under Rule 144.SEC
2026-05-134Statement of changes in beneficial ownership of securities2026-05-12SEC
2026-05-12144Filing for proposed sale of securities under Rule 144.SEC
2026-05-084Statement of changes in beneficial ownership of securities2026-05-08SEC
2026-05-074Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-074Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-074Statement of changes in beneficial ownership of securities2026-05-07SEC
2026-05-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-03-31SEC
2026-05-058-KCurrent report2026-05-05SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-0700189.16K1
2026-0600240.47K1
2026-05001.14M2
2026-0400928.28K1
2026-03002.03M3
2026-02200.59K11.67M4
2026-01001.45M1
2025-12001.11M2
2025-11007.95M5

Institutional holders

Manager% owned
MFN Partners Management, LP8.73%
T. Rowe Price Investment Management, Inc.7.55%
DIMENSIONAL FUND ADVISORS LP4.62%
BlackRock, Inc.4.48%
DONALD SMITH & CO., INC.3.62%
Rubric Capital Management LP3.27%
VANGUARD PORTFOLIO MANAGEMENT LLC3.20%
VANGUARD CAPITAL MANAGEMENT LLC2.49%
Invesco Ltd.1.94%
STATE STREET CORP1.78%

Funds

Fund% owned
PGIM High Yield Fund97.65%
PGIM Total Return Bond Fund50.51%
Janus Henderson Multi-Sector Income Fund31.04%
Guggenheim Total Return Bond Fund25.32%
MFS High Income Fund21.73%
VANGUARD HIGH-YIELD CORPORATE FUND20.53%
NYLIM MacKay High Yield Corporate Bond Fund18.30%
NYLIM MacKay Short Duration High Income Fund18.30%
Guggenheim Macro Opportunities Fund17.86%
BlackRock High Yield Portfolio16.90%

OakChart. PFSI. Cached 15 minutes.