Company / Free Cash Flow
PennyMac Financial Services, Inc. Free Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
-$1.7B
FY2025
5-year range
-$4.5B / $6.0B
FY2021-FY2025
Trend
+63.3%
vs FY2024
Sector context
#294 of 302
Financials
What the data says
Among 302 Financials companies, PennyMac Financial Services, Inc. is in the bottom 3% for free cash flow. Free Cash Flow returned to growth in FY2025 after 2 years of decline, reaching -$1.7B.
Based on SEC 10-K filings.
-$1.7B in FY2025.
Declined from -$1.6B to -$1.7B over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- -
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Bottom 3% in FinancialsTop 97% of 302This company -$1.7B Sector average $646.4M
▼
-357.4% below sector average
Key checks
Key Insights
- In FY2025, free cash flow increased 63.3% year-over-year.
- Ranks #294 out of 302 companies in the Financials sector.
- Peak free cash flow was recorded in FY2022.
- Lowest free cash flow 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 | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -$1.7B | +63.3% |
| FY2024 | -$4.5B | -186.4% |
| FY2023 | -$1.6B | -126.3% |
| FY2022 | $6.0B | +135.8% |
| FY2021 | $2.6B | +357.1% |
| FY2020 | $559.0M | +124.8% |
| FY2019 | -$2.3B | -502.7% |
| FY2018 | $559.0M | +162.8% |
| FY2017 | -$890.2M | +7.3% |
| FY2016 | -$960.2M | - |
As of FY2025 · SEC 10-K · Updated Jun 30, 2026