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The following description of our business should be read in conjunction with the information included elsewhere in this Report. References in this Report to we, our, us, and the Company refer to PennyMac Financial Services, Inc. ( PFSI ) and its consolidated subsidiaries.
24.48% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 28.4% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$2.16B
▲ +28.4% YoY
Net Income (TTM)
$507M
▲ +60.9% YoY
Net Margin
23.47%
P/E
—
Balance Sheet
Total Assets
$31.94B
Equity
$4.33B
Total Debt
$6.30B
Cash & Equiv.
$654M
5Y CAGR: -11.2%
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