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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 $1.9B
LTM EBITDA $645M
$22.7B
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 (LTM) of $1.9B and a last 12-month EBITDA of $645M.
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| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $1.9B | XXX | $2.4B | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | $937M | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | 39% | XXX | XXX | XXX |
| EBITDA | $645M | XXX | $473M | XXX | XXX | XXX |
| EBITDA Margin | 34% | XXX | 20% | XXX | XXX | XXX |
| EBIT | $645M | XXX | $404M | XXX | XXX | XXX |
| EBIT Margin | 34% | XXX | 17% | XXX | XXX | XXX |
| Net Profit | $459M | XXX | $311M | XXX | XXX | XXX |
| Net Margin | 24% | XXX | 13% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $20.3B | XXX | XXX | XXX |
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As of July 16, 2025, PennyMac's stock price is $99.
PennyMac has current market cap of $5.1B, and EV of $22.7B.
See PennyMac trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $22.7B | $5.1B | XXX | XXX | XXX | XXX | $8.42 |
Sign up to access valuation multiples like growth-adjusted P/E, next 12-month EV/Revenue, EBITDA multiples by industry and many more
Start Free TrialAs of July 16, 2025, PennyMac has market cap of $5.1B and EV of $22.7B.
PennyMac's trades at 9.4x EV/Revenue multiple, and 48.0x EV/EBITDA.
Equity research analysts estimate PennyMac's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
PennyMac has a P/E ratio of 11.1x.
See valuation multiples for PennyMac and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $5.1B | XXX | $5.1B | XXX | XXX | XXX |
| EV (current) | $22.7B | XXX | $22.7B | XXX | XXX | XXX |
| EV/Revenue | 11.9x | XXX | 9.4x | XXX | XXX | XXX |
| EV/EBITDA | 35.2x | XXX | 48.0x | XXX | XXX | XXX |
| EV/EBIT | 35.2x | XXX | 56.3x | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 11.1x | XXX | 16.4x | XXX | XXX | XXX |
| EV/FCF | 13.9x | XXX | -5.0x | 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.
Start Free TrialPennyMac's last 12 month revenue growth is 24%
PennyMac's revenue per employee in the last FY averaged $0.6M, while opex per employee averaged $0.1M for the same period.
PennyMac's rule of 40 is 45% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
PennyMac's rule of X is 94% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for PennyMac and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 24% | XXX | 2% | XXX | XXX | XXX |
| EBITDA Margin | 34% | XXX | 20% | XXX | XXX | XXX |
| EBITDA Growth | 56% | XXX | 42% | XXX | XXX | XXX |
| Rule of 40 | 45% | XXX | 44% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 94% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.6M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.1M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 22% | 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.
Start Free Trial| 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 $5.1B |
| What is the current revenue of PennyMac? | PennyMac's last 12 months revenue is $1.9B. |
| What is the current revenue growth of PennyMac? | PennyMac revenue growth (NTM/LTM) is 24%. |
| What is the current EV/Revenue multiple of PennyMac? | Current revenue multiple of PennyMac is 11.9x. |
| Is PennyMac profitable? | Yes, PennyMac is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of PennyMac? | PennyMac's last 12 months EBITDA is $645M. |
| What is PennyMac's EBITDA margin? | PennyMac's last 12 months EBITDA margin is 34%. |
| What is the current EV/EBITDA multiple of PennyMac? | Current EBITDA multiple of PennyMac is 35.2x. |
| What is the current FCF of PennyMac? | PennyMac's last 12 months FCF is $1.6B. |
| What is PennyMac's FCF margin? | PennyMac's last 12 months FCF margin is 85%. |
| What is the current EV/FCF multiple of PennyMac? | Current FCF multiple of PennyMac is 13.9x. |
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