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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$5,240K
Free Cash flow
$2,139,695K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Sale of assets under agreements ...
Sale to non-affiliates and princ...
Issuance of mortgage loan partic...
Others
Negative Cash Flow Breakdown
Repurchase of assets sold under ...
Purchase of loans held for sale ...
Origination of loans held for sa...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
21,726
82,322
106,831
181,503
Net gains on loans held for sale at fair value
280,319
344,985
301,603
314,455
Change in fair value of mortgage servicing rights, mortgage servicing liabilities
-
-
1,413,280
-
Change in fair value of mortgage servicing rights and mortgage servicing liabilities
204,507
-898,307
-
392,174
Mortgage servicing rights hedging results
-185,581
-207,287
-39,432
98,306
Accrual of unearned discounts on principal-only stripped mortgage-backed securities
-8,712
5,185
-14,359
-13,642
Capitalization of interest on loans held for sale
306
3,632
310
241
Amortization of debt issuance costs
9,463
8,650
7,923
7,558
Results of real estate acquired in settlement in loans
-1,766
-2,316
-2,304
-981
Change in fair value of investment in common shares of pennymac mortgage investment trust
-29
-66
21
-45
Repricing of payable to exchanged private national mortgage acceptance company, llc unitholders under tax receivable agreement
-
-
49
0
Stock-based compensation expense
4,464
2,447
7,698
9,929
Provision for servicing advance losses
25,059
19,962
24,885
10,130
Depreciation and amortization
14,422
13,510
12,809
12,956
Impairment of capitalized software
1,218
317
264
4,333
Amortization of operating lease right-of-use assets
4,412
4,227
4,408
3,519
Purchase of loans held for sale from non-affiliates
-
-
60,191,323
-
Purchase of loans held for sale from pennymac mortgage investment trust
-
-
39,421
5,474,275
Purchase of loans held for sale from non-affiliates
24,690,994
111,160
-
24,718,142
Origination of loans held for sale
10,510,025
10,510,064
9,461,319
7,013,649
Purchase of loans from ginnie mae securities and early buyout investors
1,260,858
661,341
667,969
1,216,687
Sale to non-affiliates and principal payment of loans held for sale
33,380,053
32,611,319
35,824,264
33,549,142
Sale of loans held for sale to pennymac mortgage investment trust
4,998,391
4,380,289
5,543,699
3,983,322
Repurchase of loans subject to representations and warranties
31,496
24,922
36,753
31,711
(increase) decrease in servicing advances
45,240
97,071
259,586
28,301
Increase in receivable from pennymac mortgage investment trust
5,489
4,096
-19,355
12,359
Sale of real estate acquired in settlement of loans
19,540
25,695
23,396
16,251
Decrease in other assets
-168,483
15,605
10,610
62,829
(decrease) increase in accounts payable and accrued expenses
-52,632
-182,123
145,844
68,172
Decrease in operating lease liabilities
-4,123
-3,935
-4,471
-4,283
Decrease in payable to pennymac mortgage investment trust
-14,997
-20,814
39,543
-2,451
Increase (decrease) in income taxes payable
9,147
22,471
32,625
53,943
Net cash provided by operating activities
2,143,070
-1,341,973
-1,889,253
-697,373
Increase in short-term investment
100,128
24,183
347,809
-400,034
Repayment of principal-only stripped mortgage-backed securities
-55,758
-58,069
-73,875
-34,991
Net settlement of derivative financial instruments used for hedging of mortgage servicing rights
91,250
171,613
-10,967
-154,352
Sale of mortgage servicing rights to non-affiliates
-
-
442,584
165,162
Adjustment to sales of mortgage servicing rights to non-affiliates
0
6,429
-
-
Sale of mortgage servicing rights to pennymac mortgage investment trust
6,370
3,922
5,589
1,895
Acquisition of capitalized software
12,783
15,925
14,800
8,201
Purchase of furniture, fixtures, equipment and leasehold improvements
3,375
2,250
8,170
2,075
Increase in margin deposits
243,685
-13,884
235,752
-6,884
Net cash used in investing activities
-389,093
-144,525
-73,516
753,042
Sale of assets under agreements to repurchase
36,137,330
38,971,144
42,929,510
37,858,243
Repurchase of assets sold under agreements to repurchase
37,881,168
37,588,456
41,267,708
38,073,426
Issuance of mortgage loan participation purchase and sale certificates
-6,610,611
-6,985,112
-6,829,241
-6,659,423
Repayment of mortgage loan participation purchase and sale certificates
6,605,452
6,990,883
6,832,039
6,660,771
Issuance of notes payable secured by mortgage servicing assets
375,000
100,000
50,000
425,000
Repayment of notes payable secured by mortgage servicing assets
375,000
-
50,000
425,000
Issuance of unsecured senior notes
-
-
0
650,000
Repayment of unsecured senior notes
-
-
0
0
Payment of debt issuance costs
5,378
4,504
2,976
13,299
Issuance of common stock by exercise of stock options
723
3,710
2,431
4,441
Payment of withholding taxes relating to stock-based compensation
0
6,186
0
0
Payment of dividends to holders of common stock
15,883
15,595
15,931
15,806
Repurchase of common stock
0
50,011
0
4,739
Net cash used in financing activities
-1,759,217
1,404,331
1,642,528
404,066
Net decrease in cash
-5,240
-82,167
-320,241
459,735
Restricted cash included in other assets
-
-
0
-
Cash at beginning of period
219,513
301,680
621,921
238,482
Cash at end of period
214,273
219,513
301,680
621,921
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Sale to
non-affiliates and principal...
$33,380,053K
(-46.37%↓ Y/Y)
Sale of loans held for
sale to pennymac...
$4,998,391K
(195.82%↑ Y/Y)
Change in fair value of
mortgage servicing...
$204,507K
(-69.84%↓ Y/Y)
Mortgage servicing
rights hedging results
-$185,581K
(-7871.69%↓ Y/Y)
Decrease in other assets
-$168,483K
(-1665.88%↓ Y/Y)
Provision for servicing
advance losses
$25,059K
(109.35%↑ Y/Y)
Net income
$21,726K
(-89.79%↓ Y/Y)
Sale of real estate
acquired in settlement of...
$19,540K
(-47.65%↓ Y/Y)
Depreciation and
amortization
$14,422K
(-49.62%↓ Y/Y)
Amortization of debt issuance
costs
$9,463K
(-45.23%↓ Y/Y)
Increase (decrease) in
income taxes payable
$9,147K
(127.27%↑ Y/Y)
Stock-based compensation
expense
$4,464K
(-76.00%↓ Y/Y)
Amortization of operating
lease right-of-use...
$4,412K
(-37.29%↓ Y/Y)
Results of real estate
acquired in settlement in...
-$1,766K
(-892.13%↓ Y/Y)
Impairment of capitalized
software
$1,218K
Change in fair value of
investment in common shares...
-$29K
(-238.10%↓ Y/Y)
Net cash provided by
operating activities
$2,143,070K
(129.29%↑ Y/Y)
Canceled cashflow
$36,905,191K
Net decrease in cash
-$5,240K
(93.13%↑ Y/Y)
Canceled cashflow
$2,143,070K
Sale of assets under
agreements to repurchase
$36,137,330K
(-43.27%↓ Y/Y)
Issuance of mortgage loan
participation purchase and...
-$6,610,611K
(46.16%↑ Y/Y)
Issuance of notes payable
secured by mortgage...
$375,000K
(275.00%↑ Y/Y)
Issuance of common stock
by exercise of...
$723K
(-87.88%↓ Y/Y)
Repayment of
principal-only stripped...
-$55,758K
(33.83%↑ Y/Y)
Sale of mortgage
servicing rights to...
$6,370K
Purchase of loans held for
sale from...
$24,690,994K
(1021.23%↑ Y/Y)
Origination of loans held for
sale
$10,510,025K
(-10.37%↓ Y/Y)
Purchase of loans from
ginnie mae securities...
$1,260,858K
(-42.58%↓ Y/Y)
Net gains on loans
held for sale at fair...
$280,319K
(-38.49%↓ Y/Y)
(decrease) increase in
accounts payable and...
-$52,632K
(-207.77%↓ Y/Y)
(increase) decrease in
servicing advances
$45,240K
(226.34%↑ Y/Y)
Repurchase of loans subject
to...
$31,496K
(-30.56%↓ Y/Y)
Decrease in payable to
pennymac mortgage...
-$14,997K
(54.06%↑ Y/Y)
Accrual of unearned
discounts on...
-$8,712K
(51.69%↑ Y/Y)
Increase in receivable
from pennymac...
$5,489K
(40.85%↑ Y/Y)
Decrease in operating
lease liabilities
-$4,123K
(56.89%↑ Y/Y)
Capitalization of interest on
loans held for sale
$306K
(-80.85%↓ Y/Y)
Net cash used in
financing activities
-$1,759,217K
(-99.03%↓ Y/Y)
Canceled cashflow
$43,123,664K
Net cash used in
investing activities
-$389,093K
(-206.29%↓ Y/Y)
Canceled cashflow
$62,128K
Repurchase of assets sold
under agreements to...
$37,881,168K
(-41.76%↓ Y/Y)
Repayment of mortgage loan
participation purchase and...
$6,605,452K
(-45.29%↓ Y/Y)
Repayment of notes payable
secured by mortgage...
$375,000K
(-54.55%↓ Y/Y)
Payment of dividends to
holders of common stock
$15,883K
(-48.45%↓ Y/Y)
Payment of debt issuance
costs
$5,378K
(-87.71%↓ Y/Y)
Increase in margin
deposits
$243,685K
(73.17%↑ Y/Y)
Increase in short-term
investment
$100,128K
(140.06%↑ Y/Y)
Net settlement of
derivative financial...
$91,250K
(736.16%↑ Y/Y)
Acquisition of capitalized
software
$12,783K
(-21.49%↓ Y/Y)
Purchase of furniture,
fixtures, equipment and...
$3,375K
(101.37%↑ Y/Y)
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PennyMac Financial Services, Inc. (PFSI)
PennyMac Financial Services, Inc. (PFSI)