PennyMac Financial Services, Inc.PFSI

時価総額

$67.3億

PER

住宅ローンの大手。ローン新規組成・保守・MSR再取得・サブサービスを展開。2008年創業、従業員約4,100人（2024会計年度末）。2024年12月31日時点で拠点15施設保有。HC Partnersが最大株主。米国全50州で展開。

	2018年 12月31日	2019年 12月31日	2020年 12月31日	2021年 12月31日	2022年 12月31日	2023年 12月31日	2024年 12月31日
Net income	244	393	1,647	1,003	476	145	311
Net gains on loans held for sale at fair value	249	726	2,741	2,464	792	546	817
Change in fair value of mortgage servicing rights, mortgage servicing liabilities	237	593	1,502	417	-354	606	433
Mortgage servicing rights hedging results	-	-	918	-475	-631	-237	-832
Accrual of Unearned Discounts On Mortgage-backed Securities	-	-	-	-	-	-	-25
Capitalization of interest on loans held for sale	79	74	120	19	3	1	0
Amortization of debt issuance costs	-	-4	19	24	19	21	29
Change in fair value of investment in common shares of PennyMac Mortgage Investment Trust	-	-	-	-	-0	0	-0
Results of real estate acquired in settlement in loans	-	1	1	2	3	2	1
Repricing of payable to exchanged Private National Mortgage Acceptance Company, LLC unitholders under tax receivable agreement	-	-	-	-	1	-	0
Stock-based compensation expense	25	25	45	38	43	28	21
Provision For Servicing Advance Losses	40	36	126	-48	-36	3	33
Depreciation and amortization	13	15	26	29	34	53	56
Impairment of capitalized software	-	-	13	728,000	-	0	0
Amortization of operating lease right-of-use assets	-	-	-	14	16	17	14
Purchase of loans held for sale from PennyMac Mortgage Investment Trust	-	-	-	-	50,576	72,442	81,998
Origination of loans held for sale	5,532	11,832	31,783	54,857	20,297	10,770	18,724
Purchase of loans held for sale from non-affiliates	-	1,725	3,799	4,897	1,803	2,057	2,863
Purchase of loans from Ginnie Mae securities and early buyout investors	4,036	6,271	11,157	23,644	6,199	2,556	3,367
Proceeds From Sale Of Loans Held For Sale Non Affiliates	-	-	-	-	84,345	85,685	101,105
Proceeds from Sale, Loan, Held-for-Sale	-	-	-	-	299	-	663
Repurchase of loans subject to representations and warranties	26	19	58	100	93	50	90
Increase in servicing advances	33	98	391	233	37	77	16
(Increase) decrease in receivable from PennyMac Mortgage Investment Trust	-	-	-	-	-3	-6	4
Proceeds from Sale of Real Estate	-	29	33	15	20	36	64
(Increase) decrease in other assets	8	63	334	-62	-191	60	96
(Decrease) increase in accounts payable and accrued expenses	33	39	135	35	-109	122	-79
Decrease in operating lease liabilities	-	-	-	-	-19	-21	-18
Increase (Decrease) in Due to Affiliates	-	-	-	-	-37	2	-85
Payments to exchanged Private National Mortgage Acceptance Company, LLC unitholders under tax receivable agreement	-	-	-	-	4	-	-
Increase in income taxes payable	25	-	-	-	317	40	88
Net cash used in operating activities	572	-2,245	-6,199	2,563	6,033	-1,582	-4,533
(Increase) decrease in short-term investment	-52	-43	-59	-8	5	-2	410
Purchase of principal-only stripped mortgage-backed securities	-	-	-	-	-	-	935
Repayment of principal-only stripped mortgage-backed securities	-	-	-	-	-	-	-97
Proceeds From Sale Of Interest Only Stripped Securities	-	-	-	-	-	98	202
Net settlement of derivative financial instruments used for hedging of mortgage servicing rights	-	-366	-913	434	872	242	703
Purchase of mortgage servicing rights	228	227	25	-	4	-	-
Proceeds from Sale of Mortgage Servicing Rights (MSR)	-	-	-	-	-	0	-
Acquisition of capitalized software	17	29	48	49	72	35	20
Purchase of furniture, fixtures, equipment and leasehold improvements	13	6	11	8	7	1	2
Sale of furniture, fixtures and equipment	-	-	-	-	-	1	-
(Increase) decrease in margin deposits	-	-	-	-	-239	96	116
Net cash used in investing activities	-323	149	783	-304	-722	-273	-1,888
Sale of assets under agreements to repurchase	-	-	102,232	136,180	75,076	85,353	109,007
Repurchase of assets sold under agreements to repurchase	41,821	61,597	96,710	138,546	79,369	84,588	104,083
Issuance of mortgage loan participation purchase and sale certificates	-25,284	-23,451	-23,607	-23,785	-19,313	-22,234	-23,148
Repayment of mortgage loan participation purchase and sale certificates	25,280	23,486	23,584	23,826	19,505	22,075	23,098
Proceeds from Notes Payable	-	-	-	-	650	1,005	1,050
Repayment of notes payable secured by mortgage servicing assets	-	-	-	-	-	1,075	875
Issuance of unsecured senior notes	-	-	650	1,150	-	750	650
Repayment of obligations under capital lease	-	-	-	8	3	-	-
Payment of debt issuance costs	20	7	30	38	20	33	36
Proceeds from Stock Options Exercised	5	5	9	8	3	17	20
Payment of withholding taxes relating to stock-based compensation	-	5	5	9	8	9	9
Payment of dividends to holders of common stock	10	10	31	53	55	41	52
Repurchase of common stock	5	1	337	958	406	71	-
Net cash provided by (used in) financing activities	-132	2,129	5,760	-2,451	-4,323	1,465	5,721
Net decrease in cash and restricted cash	118	33	344	-193	988	-390	-700
Cash paid for interest	-	-	-	-	330	639	797
Income Taxes Paid, Net	-	-	-	-	-128	-1	1
Mortgage servicing rights received from loan sales	-	-	-	-	1,718	1,850	2,281
Exchange of mortgage servicing spread for interest-only stripped mortgage-backed securities	-	-	-	-	-	98	202
Operating right-of-use assets recognized	-	-	14	28	1	3	1
Stock Issued During Period, Value, Issued for Services	-	-	-	-	0	0	0