PennyMac Financial Services, Inc.

DB:1AC Stock Report

Market Cap: €4.9b

PennyMac Financial Services Past Earnings Performance

Past criteria checks 0/6

PennyMac Financial Services's earnings have been declining at an average annual rate of -26.7%, while the Diversified Financial industry saw earnings growing at 0.6% annually. Revenues have been declining at an average rate of 15.6% per year. PennyMac Financial Services's return on equity is 4.5%, and it has net margins of 6.1%.

Key information

-26.7%

Earnings growth rate

-20.0%

EPS growth rate

Diversified Financial Industry Growth9.1%
Revenue growth rate-15.6%
Return on equity4.5%
Net Margin6.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How PennyMac Financial Services makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:1AC Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,7781708260
30 Jun 241,9161948160
31 Mar 241,8001548220
31 Dec 232,0061458350
30 Sep 231,5152198430
30 Jun 231,7172618500
31 Mar 231,7243329200
31 Dec 221,6284761,0350
30 Sep 222,0726111,1610
30 Jun 222,6267251,2590
31 Mar 223,3058001,3260
31 Dec 213,5821,0031,3150
30 Sep 213,9021,2831,2460
30 Jun 214,2111,5691,1770
31 Mar 214,1601,7181,0570
31 Dec 205,1811,6479440
30 Sep 204,4581,3478650
30 Jun 204,0609337850
31 Mar 203,6986537070
31 Dec 192,4563936380
30 Sep 192,3492795890
30 Jun 191,8201725430
31 Mar 191,4471175220
31 Dec 181,108885180
30 Sep 181,2111115130
30 Jun 181,2221145000
31 Mar 181,2181064840
31 Dec 171,1961014510
30 Sep 171,196614680
30 Jun 171,238684580
31 Mar 171,250724460
31 Dec 161,232664180
30 Sep 161,134563680
30 Jun 161,004453420
31 Mar 16921433280
31 Dec 15868473290
30 Sep 15793432910
30 Jun 15706412630
31 Mar 15627382350
31 Dec 14560372170
30 Sep 14514341980
30 Jun 14458291830
31 Mar 14428221770
31 Dec 13416141680

Quality Earnings: 1AC has a large one-off loss of $162.8M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: 1AC's current net profit margins (6.1%) are lower than last year (14.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 1AC's earnings have declined by 26.7% per year over the past 5 years.

Accelerating Growth: 1AC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 1AC had negative earnings growth (-22.4%) over the past year, making it difficult to compare to the Diversified Financial industry average (-11%).

Return on Equity

High ROE: 1AC's Return on Equity (4.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 02:17
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PennyMac Financial Services, Inc. is covered by 18 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark DeVriesBarclays
Mark DeVriesBarclays
Terry MaBarclays