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PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
2018
4.1K+
LTM Revenue $1.8B
LTM EBITDA $565M
$24.9B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
PennyMac has a last 12-month revenue of $1.8B and a last 12-month EBITDA of $565M.
In the most recent fiscal year, PennyMac achieved revenue of $2.4B and an EBITDA of $473M.
PennyMac expects next 12-month revenue of XXX and NTM EBITDA of XXX
See PennyMac valuation multiples based on analyst estimates| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $2.0B | $2.4B | XXX | XXX | XXX |
| Gross Profit | $1.3B | $847M | XXX | XXX | XXX |
| Gross Margin | 64% | 35% | XXX | XXX | XXX |
| EBITDA | $424M | $473M | XXX | XXX | XXX |
| EBITDA Margin | 21% | 20% | XXX | XXX | XXX |
| Net Profit | $476M | $145M | XXX | XXX | XXX |
| Net Margin | 23% | 6% | XXX | XXX | XXX |
| Net Debt | $10.4B | $12.6B | XXX | XXX | XXX |
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As of April 15, 2025, PennyMac's stock price is $97.
PennyMac has current market cap of $5.0B, and EV of $24.9B.
See PennyMac trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $24.9B | $5.0B | XXX | XXX | XXX | XXX | $7.88 |
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Sign UpAs of April 15, 2025, PennyMac has market cap of $5.0B and EV of $24.9B.
PennyMac's trades at 13.8x LTM EV/Revenue multiple, and 44.1x LTM EBITDA.
Analysts estimate PennyMac's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for PennyMac and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $24.9B | XXX | XXX | XXX |
| EV/Revenue | 10.3x | XXX | XXX | XXX |
| EV/EBITDA | 52.6x | XXX | XXX | XXX |
| P/E | 16.1x | XXX | XXX | XXX |
| P/E/Growth | 0.2x | XXX | XXX | XXX |
| EV/FCF | -5.5x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Sign UpPennyMac's NTM/LTM revenue growth is 35%
PennyMac's revenue per employee for the last fiscal year averaged $0.6M, while opex per employee averaged $0.1M for the same period.
Over next 12 months, PennyMac's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate PennyMac's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for PennyMac and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 18% | XXX | XXX | XXX | XXX |
| EBITDA Margin | 20% | XXX | XXX | XXX | XXX |
| EBITDA Growth | 12% | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | 55% | XXX | XXX | XXX | XXX |
| Revenue per Employee | $0.6M | XXX | XXX | XXX | XXX |
| Opex per Employee | $0.1M | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 1% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 10% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | 22% | XXX | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
PennyMac acquired XXX companies to date.
Last acquisition by PennyMac was XXXXXXXX, XXXXX XXXXX XXXXXX . PennyMac acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
Sign up to see revenue and EBITDA valuation multiples for 60K+ M&A deals.
Sign Up| When was PennyMac founded? | PennyMac was founded in 2018. |
| Where is PennyMac headquartered? | PennyMac is headquartered in United States of America. |
| How many employees does PennyMac have? | As of today, PennyMac has 4.1K+ employees. |
| Who is the CEO of PennyMac? | PennyMac's CEO is Mr. David A. Spector. |
| Is PennyMac publicy listed? | Yes, PennyMac is a public company listed on NYS. |
| What is the stock symbol of PennyMac? | PennyMac trades under PFSI ticker. |
| When did PennyMac go public? | PennyMac went public in 2013. |
| Who are competitors of PennyMac? | Similar companies to PennyMac include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of PennyMac? | PennyMac's current market cap is $5.0B |
| What is the current revenue of PennyMac? | PennyMac's last 12-month revenue is $1.8B. |
| What is the current EBITDA of PennyMac? | PennyMac's last 12-month EBITDA is $565M. |
| What is the current EV/Revenue multiple of PennyMac? | Current revenue multiple of PennyMac is 13.8x. |
| What is the current EV/EBITDA multiple of PennyMac? | Current EBITDA multiple of PennyMac is 44.1x. |
| What is the current revenue growth of PennyMac? | PennyMac revenue growth between 2023 and 2024 was 18%. |
| Is PennyMac profitable? | Yes, PennyMac is EBITDA-positive (as of the last 12 months). |
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