PennyMac Financial (1AC) Ratios
PennyMac Financial Ratios
DE:1AC's free cash flow for Q2 2026 was $2.04B. For the 2026 fiscal year, DE:1AC's free cash flow was decreased by $-3.38M and operating cash flow was $2.05B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.04 | 1.56 | 2.05 | 2.29 | 1.65 |
| Quick Ratio | 0.04 | 1.56 | 2.05 | 2.29 | 1.65 |
| Cash Ratio | 0.02 | 0.02 | 0.17 | 0.29 | 0.04 |
| Solvency Ratio | 0.02 | 0.02 | 0.01 | 0.04 | 0.07 |
| Operating Cash Flow Ratio | -0.09 | -0.44 | -0.29 | 1.32 | 0.30 |
| Short-Term Operating Cash Flow Coverage | -0.09 | -0.52 | -0.42 | 2.01 | 0.35 |
| Net Current Asset Value | $ -24.35B | $ -6.14B | $ -4.03B | $ -2.88B | $ -1.15B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.78 | 0.79 | 0.72 | 0.70 | 0.75 |
| Debt-to-Equity Ratio | 5.35 | 5.37 | 3.81 | 3.40 | 4.09 |
| Debt-to-Capital Ratio | 0.84 | 0.84 | 0.79 | 0.77 | 0.80 |
| Long-Term Debt-to-Capital Ratio | 0.61 | 0.76 | 0.73 | 0.72 | 0.66 |
| Financial Leverage Ratio | 6.82 | 6.81 | 5.33 | 4.85 | 5.49 |
| Debt Service Coverage Ratio | 0.04 | 0.04 | 0.10 | 0.18 | 0.14 |
| Interest Coverage Ratio | 0.00 | 1.10 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 3.38 | 3.95 | 3.06 | 3.90 | 3.12 |
| Interest Debt Per Share | 445.76 | 419.16 | 270.01 | 222.39 | 219.27 |
| Net Debt to EBITDA | 36.66 | 42.93 | 29.61 | 14.17 | 9.73 |
| Profitability Margins | |||||
| Gross Profit Margin | 59.26% | 97.62% | 41.56% | 56.30% | 59.94% |
| EBIT Margin | 12.47% | 25.32% | 17.36% | 29.67% | 38.20% |
| EBITDA Margin | 14.04% | 29.69% | 20.80% | 31.83% | 39.40% |
| Operating Profit Margin | 12.47% | 56.54% | 17.36% | 29.67% | 38.20% |
| Pretax Profit Margin | 12.47% | 25.16% | 9.01% | 28.66% | 38.19% |
| Net Profit Margin | 11.34% | 19.54% | 7.09% | 20.48% | 28.20% |
| Continuous Operations Profit Margin | 11.34% | 19.54% | 7.09% | 20.48% | 28.20% |
| Net Income Per EBT | 90.87% | 77.66% | 78.78% | 71.48% | 73.83% |
| EBT Per EBIT | 100.00% | 44.51% | 51.87% | 96.60% | 99.99% |
| Return on Assets (ROA) | 1.70% | 1.19% | 0.77% | 2.83% | 5.34% |
| Return on Equity (ROE) | 11.63% | 8.13% | 4.09% | 13.70% | 29.36% |
| Return on Capital Employed (ROCE) | 4.18% | 5.71% | 2.65% | 5.63% | 13.35% |
| Return on Invested Capital (ROIC) | 1.70% | 2.86% | 1.63% | 3.23% | 5.74% |
| Return on Tangible Assets | 2.53% | 1.81% | 1.25% | 4.44% | 6.79% |
| Earnings Yield | 7.35% | 5.98% | 3.28% | 15.82% | 22.54% |
| Efficiency Ratios | |||||
| Receivables Turnover | 258.16 | 0.11 | 0.22 | 0.28 | 0.27 |
| Payables Turnover | 0.00 | 0.08 | 1.81 | 1.83 | 2.43 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 32.20 | 29.58 | 24.63 | 29.48 |
| Asset Turnover | 0.15 | 0.06 | 0.11 | 0.14 | 0.19 |
| Working Capital Turnover Ratio | -0.91 | 0.28 | 0.35 | 0.40 | 0.32 |
| Cash Conversion Cycle | 1.41 | -1250.37 | 1488.69 | 1110.50 | 1178.40 |
| Days of Sales Outstanding | 1.41 | 3329.73 | 1690.26 | 1309.44 | 1328.81 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 4580.09 | 201.58 | 198.94 | 150.41 |
| Operating Cycle | 1.41 | 3329.73 | 1690.26 | 1309.44 | 1328.81 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -27.06 | -88.91 | -31.66 | 113.70 | 40.17 |
| Free Cash Flow Per Share | -27.29 | -89.34 | -32.38 | 112.13 | 39.28 |
| Dividend Paid and CapEx Coverage Ratio | -18.80 | -61.05 | -20.39 | 43.81 | 23.35 |
| Capital Expenditure Coverage Ratio | -117.43 | -205.15 | -43.74 | 72.61 | 45.06 |
| Operating Cash Flow Coverage Ratio | -0.06 | -0.22 | -0.12 | 0.51 | 0.18 |
| Operating Cash Flow to Sales Ratio | -0.32 | -2.84 | -0.78 | 2.60 | 0.72 |
| Free Cash Flow Yield | -20.70% | -87.47% | -36.64% | 197.90% | 56.29% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 13.61 | 16.72 | 30.53 | 6.32 | 4.44 |
| Price-to-Sales (P/S) Ratio | 1.54 | 3.27 | 2.17 | 1.30 | 1.25 |
| Price-to-Book (P/B) Ratio | 1.58 | 1.36 | 1.25 | 0.87 | 1.30 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -4.83 | -1.14 | -2.73 | 0.51 | 1.78 |
| Price-to-Operating Cash Flow Ratio | -4.87 | -1.15 | -2.79 | 0.50 | 1.74 |
| Price-to-Earnings Growth (PEG) Ratio | 0.23 | 0.15 | -0.45 | -0.15 | -0.16 |
| Enterprise Value Multiple | 47.64 | 53.94 | 40.03 | 18.24 | 12.91 |
| Enterprise Value | 29.58B | 25.52B | 16.97B | 13.48B | 18.10B |
| EV to EBITDA | 47.64 | 53.94 | 40.03 | 18.24 | 12.91 |
| EV to Sales | 6.69 | 16.01 | 8.32 | 5.81 | 5.09 |
| EV to Free Cash Flow | -20.95 | -5.60 | -10.49 | 2.27 | 7.22 |
| EV to Operating Cash Flow | -21.13 | -5.63 | -10.73 | 2.23 | 7.06 |
| Tangible Book Value Per Share | -102.27 | -98.76 | -74.22 | -49.75 | -8.92 |
| Shareholders’ Equity Per Share | 83.30 | 75.11 | 70.80 | 65.41 | 53.58 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.09 | 0.22 | 0.21 | 0.29 | 0.26 |
| Revenue Per Share | 85.45 | 31.26 | 40.80 | 43.75 | 55.78 |
| Net Income Per Share | 9.69 | 6.11 | 2.89 | 8.96 | 15.73 |
| Tax Burden | 0.91 | 0.78 | 0.79 | 0.71 | 0.74 |
| Interest Burden | 1.00 | 0.99 | 0.52 | 0.97 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.09 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.08 | 0.41 | 0.11 | 0.13 | 0.12 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.02 | 0.01 |
| Income Quality | -2.79 | -14.56 | -10.94 | 12.69 | 2.55 |
Currency in USD