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PennyMac Financial (DE:1AC)
FRANKFURT:1AC
Germany Market
1AC
PennyMac Financial
RESEARCH TOOLSreports

PennyMac Financial (1AC) Ratios

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PennyMac Financial Ratios

DE:1AC's free cash flow for Q2 2026 was $0.43. For the 2026 fiscal year, DE:1AC's free cash flow was decreased by $ and operating cash flow was $0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.04 0.04 1.56 2.05 2.29
Quick Ratio
 0.04 0.04 1.56 2.05 2.29
Cash Ratio
 0.01 0.02 0.02 0.17 0.29
Solvency Ratio
 0.02 0.02 0.02 0.01 0.04
Operating Cash Flow Ratio
 -0.09 -0.09 -0.44 -0.29 1.32
Short-Term Operating Cash Flow Coverage
 -0.09 -0.09 -0.52 -0.42 2.01
Net Current Asset Value
$ -24.77B$ -24.35B$ -6.14B$ -4.03B$ -2.88B
Leverage Ratios
Debt-to-Assets Ratio
 0.79 0.78 0.79 0.72 0.70
Debt-to-Equity Ratio
 5.46 5.35 5.37 3.81 3.40
Debt-to-Capital Ratio
 0.85 0.84 0.84 0.79 0.77
Long-Term Debt-to-Capital Ratio
 0.62 0.61 0.76 0.73 0.72
Financial Leverage Ratio
 6.88 6.82 6.81 5.33 4.85
Debt Service Coverage Ratio
 0.03 0.04 0.04 0.10 0.18
Interest Coverage Ratio
 0.00 0.00 1.10 0.00 0.00
Debt to Market Cap
 6.48 3.38 3.95 3.06 3.90
Interest Debt Per Share
 456.08 445.76 419.16 270.01 222.39
Net Debt to EBITDA
 40.71 36.66 42.93 29.61 14.17
Profitability Margins
Gross Profit Margin
59.83%59.26%97.62%41.56%56.30%
EBIT Margin
10.05%12.47%25.32%17.36%29.67%
EBITDA Margin
11.45%14.04%29.69%20.80%31.83%
Operating Profit Margin
10.05%12.47%56.54%17.36%29.67%
Pretax Profit Margin
10.07%12.47%25.16%9.01%28.66%
Net Profit Margin
7.79%11.34%19.54%7.09%20.48%
Continuous Operations Profit Margin
7.79%11.34%19.54%7.09%20.48%
Net Income Per EBT
77.39%90.87%77.66%78.78%71.48%
EBT Per EBIT
100.15%100.00%44.51%51.87%96.60%
Return on Assets (ROA)
1.31%1.70%1.19%0.77%2.83%
Return on Equity (ROE)
9.14%11.63%8.13%4.09%13.70%
Return on Capital Employed (ROCE)
3.85%4.18%5.71%2.65%5.63%
Return on Invested Capital (ROIC)
1.31%1.70%2.86%1.63%3.23%
Return on Tangible Assets
2.04%2.53%1.81%1.25%4.44%
Earnings Yield
10.74%7.35%5.98%3.28%15.82%
Efficiency Ratios
Receivables Turnover
 28.25 258.16 0.11 0.22 0.28
Payables Turnover
 3.91 0.00 0.08 1.81 1.83
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 32.20 29.58 24.63
Asset Turnover
 0.17 0.15 0.06 0.11 0.14
Working Capital Turnover Ratio
 -0.39 -0.91 0.28 0.35 0.40
Cash Conversion Cycle
 -80.54 1.41 -1.25K 1.49K 1.11K
Days of Sales Outstanding
 12.92 1.41 3.33K 1.69K 1.31K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 93.46 0.00 4.58K 201.58 198.94
Operating Cycle
 12.92 1.41 3.33K 1.69K 1.31K
Cash Flow Ratios
Operating Cash Flow Per Share
 -29.38 -27.06 -88.91 -31.66 113.70
Free Cash Flow Per Share
 -29.85 -27.29 -89.34 -32.38 112.13
CapEx Per Share
 0.46 0.23 0.43 0.72 1.57
Free Cash Flow to Operating Cash Flow
 1.02 1.01 1.00 1.02 0.99
Dividend Paid and CapEx Coverage Ratio
 -17.48 -18.80 -61.05 -20.39 43.81
Capital Expenditure Coverage Ratio
 -63.39 -117.43 -205.15 -43.74 72.61
Operating Cash Flow Coverage Ratio
 -0.06 -0.06 -0.22 -0.12 0.51
Operating Cash Flow to Sales Ratio
 -0.30 -0.32 -2.84 -0.78 2.60
Free Cash Flow Yield
-42.43%-20.70%-87.47%-36.64%197.90%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.31 13.61 16.72 30.53 6.32
Price-to-Sales (P/S) Ratio
 0.73 1.54 3.27 2.17 1.30
Price-to-Book (P/B) Ratio
 0.84 1.58 1.36 1.25 0.87
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.36 -4.83 -1.14 -2.73 0.51
Price-to-Operating Cash Flow Ratio
 -2.39 -4.87 -1.15 -2.79 0.50
Price-to-Earnings Growth (PEG) Ratio
 17.50 0.23 0.15 -0.45 -0.15
Price-to-Fair Value
 0.84 1.58 1.36 1.25 0.87
Enterprise Value Multiple
 47.05 47.64 53.94 40.03 18.24
Enterprise Value
 27.12B 29.58B 25.52B 16.97B 13.48B
EV to EBITDA
 47.05 47.64 53.94 40.03 18.24
EV to Sales
 5.39 6.69 16.01 8.32 5.81
EV to Free Cash Flow
 -17.50 -20.95 -5.60 -10.49 2.27
EV to Operating Cash Flow
 -17.78 -21.13 -5.63 -10.73 2.23
Tangible Book Value Per Share
 -120.35 -102.27 -98.76 -74.22 -49.75
Shareholders’ Equity Per Share
 83.51 83.30 75.11 70.80 65.41
Tax and Other Ratios
Effective Tax Rate
 0.23 0.09 0.22 0.21 0.29
Revenue Per Share
 96.97 85.45 31.26 40.80 43.75
Net Income Per Share
 7.56 9.69 6.11 2.89 8.96
Tax Burden
 0.77 0.91 0.78 0.79 0.71
Interest Burden
 1.00 1.00 0.99 0.52 0.97
Research & Development to Revenue
 0.00 0.00 0.09 0.00 0.00
SG&A to Revenue
 0.07 0.08 0.41 0.11 0.13
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.01 0.02
Income Quality
 -3.89 -2.79 -14.56 -10.94 12.69
Currency in USD