PennyMac Financial Services, Inc. (PFSI) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
PFSI financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
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Business activity evidence
Business exclusion flag
The supplied classification (Mortgage Finance) matches a prohibited-activity category.
Revenue segments: Not yet checked against an SEC annual filing.
Profile description reviewed: 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.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Mortgage Finance | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Mortgage Finance | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 86.0% | |
| Operating Margin | 4.5% | |
| Net Margin | 11.8% | |
| Return on Equity (ROE) | 9.4% | |
| Return on Assets (ROA) | 1.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$1.7B |
| Free Cash Flow | -$1.7B |
| Total Debt | $23.1B |
| Debt-to-Equity | 549.4 |
| Current Ratio | 0.9 |
| Total Assets | $29.4B |
Price & Trading
| Last Close | $73.59 |
| 50-Day MA | $80.46 |
| 200-Day MA | $99.64 |
| Avg Volume | 579K |
| Beta | 1.4 |
|
52-Week Range
$71.68
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
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?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is PennyMac Financial Services, Inc.'s debt ratio?
PennyMac Financial Services, Inc.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are PennyMac Financial Services, Inc.'s key financial metrics?
PennyMac Financial Services, Inc. has a market capitalization of USD 3812M in its listing currency, trailing P/E ratio of 10.1, and revenue of $4.4B. The company maintains a gross margin of 86.0% and a net margin of 11.8%. Return on equity stands at 9.4%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
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.