$545 M

PFSI Mkt cap, 14-Dec-2018

$244.3 M

PennyMac Financial Services Revenue Q2, 2018
PennyMac Financial Services Net income (Q2, 2018)68.4 M
PennyMac Financial Services Cash, 30-Jun-2018189.7 M
PennyMac Financial Services EV2.6 B

PennyMac Financial Services Revenue Breakdown

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PennyMac Financial Services revenue breakdown by business segment: 22.9% from Loan Servicing, 74.6% from Loan Production and 2.6% from Other

PennyMac Financial Services Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

386.6m518.3m713.1m931.9m955.5m

Revenue growth, %

28%38%31%

Sales and marketing expense

148.6m274.3m342.2m358.7m

General and administrative expense

22.6m

Operating expense total

204.4m433.9m548.8m619.6m

EBIT

214.6m179.5m73.3m72.4m

EBIT margin, %

56%35%10%8%

Interest expense

16.7m68.5m106.2m144.5m

Interest income

15.6m49.2m81.1m143.2m

Pre tax profit

182.1m279.2m383.1m335.9m

Income tax expense

10.0m31.6m46.1m24.4m

Net Income

172.2m196.3m247.6m337.0m311.5m

PennyMac Financial Services Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Cash

30.6m76.4m105.5m99.4m37.7m

Accounts Receivable

1.4m

Inventories

Total Assets

1.6b4.9b3.5b5.1b7.4b

Accounts Payable

46.4m89.9m134.6m106.7m

Short-term debt

52.2m61.1m275.1m891.5m

Long-term debt

236.0m275.1m891.5m

Total Debt

52.2m472.0m550.2m1.8b

Total Liabilities

955.3m2.4b3.7b5.6b

Common Stock

2.0k2.0k2.0k2.0k

Additional Paid-in Capital

153.0m1.5b172.4m182.8m204.1m

Retained Earnings

14.4m97.7m98.5m164.5m265.3m

Total Equity

629.2m1.6b1.1b1.4b1.7b

Debt to Equity Ratio

0.4 x0.4 x1 x

Debt to Assets Ratio

0.1 x0.1 x0.2 x

Financial Leverage

2.5 x3.1 x3.3 x3.7 x4.3 x

PennyMac Financial Services Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

172.2m194.5m247.6m337.0m311.5m

Depreciation and Amortization

824.0k2.4m5.8m8.4m

Accounts Receivable

Inventories

Accounts Payable

(14.5m)8.0m46.7m

Cash From Operating Activities

(98.4m)(366.0m)53.1m(938.5m)(883.6m)

Cash From Investing Activities

(284.8m)(563.1m)(34.7m)(339.2m)

Cash From Financing Activities

401.5m387.0m539.2m967.2m1.2b

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018

Net Income

134.9m43.5m95.0m168.0m7.5m113.3m178.7m26.5m100.8m223.1m54.4m105.1m187.6m66.9m135.3m

Depreciation and Amortization

594.0k286.0k612.0k972.0k394.0k911.0k1.6m1.1m2.3m4.0m2.0m4.1m6.2m2.6m5.6m

Accounts Payable

(12.4m)6.0m4.2m8.4m10.6m9.8m14.1m27.4m(27.5m)(33.5m)

Cash From Operating Activities

(68.1m)(170.4m)(431.4m)(383.4m)(753.1m)(421.4m)(519.2m)(516.9m)(958.8m)(1.9b)(111.3m)(853.0m)(646.4m)537.4m595.9m

Cash From Investing Activities

(78.5m)71.2m5.6m1.2m(91.3m)(316.0m)(538.2m)41.8m109.8m98.7m(60.4m)(274.3m)(285.3m)(81.3m)(95.8m)

Cash From Financing Activities

190.7m105.9m466.0m94.2m833.8m735.9m1.0b486.2m887.2m1.8b145.1m1.1b900.1m(356.0m)(348.2m)

PennyMac Financial Services Ratios

USDY, 2018

EV/CFO

4.4 x

Debt/Equity

1.2 x

Debt/Assets

0.3 x

Financial Leverage

3.7 x
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PennyMac Financial Services Operating Metrics

PennyMac Financial Services's Assets Under Management was reported to be $1.6b in Q2, 2017.
FY, 2014Q1, 2015Q2, 2015Q3, 2015FY, 2015Q1, 2016Q2, 2016Q3, 2016FY, 2016Q1, 2017Q2, 2017

Assets Under Management

$2 b$1.96 b$1.84 b$1.75 b$1.73 b$1.62 b$1.56 b$1.56 b$1.55 b$1.56 b$1.60 b

Total Loans Serviced for Others

$105.98 b$115.24 b$136.17 b$154.83 b$160.27 b$164.91 b$171.72 b$182.08 b$194.24 b$202.88 b$228.96 b
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