Company / FCF Margin
PennyMac Financial Services, Inc. FCF Margin History
FY2018-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
-81.3%
FY2025
5-year range
-284.6% / 303.5%
FY2021-FY2025
Trend
+71.4%
vs FY2024
Sector context
#192 of 206
Financials
What the data says
Among 206 Financials companies, PennyMac Financial Services, Inc. is in the bottom 7% for fcf margin. FCF Margin returned to growth in FY2025 after 2 years of decline, reaching -81.3%.
Based on SEC 10-K filings.
-81.3% in FY2025 with a 5-year CAGR of -138.1%.
Improved from -113.0% to -81.3% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- -384.8pp
- 5-Year Change
- -138.1pp
- 10-Year Change
- -
Sector benchmark
Bottom 7% in FinancialsTop 93% of 206This company -81.3% Sector average 207.7%
▼
-139.1% below sector average
Key checks
Key Insights
- In FY2025, fcf margin increased 71.4% year-over-year.
- Currently 289.0pp below the Financials sector average.
- Peak fcf margin was recorded in FY2022.
- Lowest fcf margin in the period was in FY2024.
Company context
Key Data Points
- Altman Z-Score 0.26 (distress zone, below 1.8 threshold)
- Strong profit margin: 25.2%
- Low earnings quality (accrual-heavy earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -81.3% | +71.4% |
| FY2024 | -284.6% | -151.9% |
| FY2023 | -113.0% | -137.2% |
| FY2022 | 303.5% | +276.2% |
| FY2021 | 80.7% | +42.1% |
| FY2020 | 56.8% | +137.3% |
| FY2019 | -152.4% | -164.9% |
| FY2018 | 234.7% | - |
| FY2017 | - | - |
| FY2016 | - | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026