Is PennyMac Financial Services, Inc. (PFSI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| DJIM | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| MSCI | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| S&P | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
| FTSE | Excluded — Mortgage Finance | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 89.2% | |
| Operating Margin | 15.2% | |
| Net Margin | 14.5% | |
| Return on Equity (ROE) | 12.3% | |
| Return on Assets (ROA) | 1.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$1.7B |
| Free Cash Flow | -$1.7B |
| Total Debt | $23.1B |
| Debt-to-Equity | 537.2 |
| Current Ratio | 1.0 |
| Total Assets | $29.4B |
Price & Trading
| Last Close | $86.44 |
| 50-Day MA | $102.56 |
| 200-Day MA | $113.64 |
| Avg Volume | 857K |
| Beta | 1.5 |
|
52-Week Range
$82.65
| |
About PennyMac Financial Services, Inc. (PFSI)
PennyMac Financial Services, Inc., through its subsidiaries, engages in the mortgage banking and investment management activities in the United States. The company operates through two segments, Production and Servicing. The Production segment is involved in the origination, acquisition, and sale of loans. This segment also sources residential conventional and government-insured or guaranteed mortgage loans through correspondent production, consumer direct lending, and broker direct lending. The Servicing segment performs loan administration, collection, and default management activities, including the collection and remittance of loan payments; responds to customer inquiries; provides accounting for principal and interest; holds custodial funds for the payment of property taxes and insurance premiums; offers counseling for delinquent borrowers; and supervising foreclosures and property dispositions, as well as administers loss mitigation activities comprising modification and forbearance programs, and supervising foreclosures and property dispositions. The company was founded in 2008 and is headquartered in Westlake Village, California.
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Frequently Asked Questions
Is PennyMac Financial Services, Inc. (PFSI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PennyMac Financial Services, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PennyMac Financial Services, Inc.'s debt ratio?
PennyMac Financial Services, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PennyMac Financial Services, Inc.'s key financial metrics?
PennyMac Financial Services, Inc. has a market capitalization of $4.5B, trailing P/E ratio of 9.2, and revenue of $4.4B. The company maintains a gross margin of 89.2% and a net margin of 14.5%. Return on equity stands at 12.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.