1AC.F
PennyMac Financial Services, Inc.
FrankfurtEUREQUITY
Financial Services
DELAYED
Last price
64.00
▲ 1.00 (1.59%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
63.00
Prev close
63.00
Day high
64.00
Day low
63.00
Volume
12
Market cap
$3.32B
P/E (TTM)
10.29
52W range
62.50 – 134.00
Day trading desk
Gap from prior close
0.00%
Prior close 63.00
VWAP
—
—
Relative volume
—
—
Session range
1.59%
63.00 – 64.00
Position in range
100%
Near session high
ATR (14D)
1.25
1.95% of price
Prior day high
63.50
PDH
Prior day low
63.00
PDL
Bid / ask spread
—
Quote not published
Session volume
—
Shares traded
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-3.03%
-1.9%
1M
-10.49%
-13.8%
3M
-11.72%
-14.1%
6M
-15.23%
-27.2%
YTD
-42.86%
-54.9%
1Y
-29.28%
-49.4%
3Y
0.00%
-75.0%
5Y
+17.43%
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on 1AC.F open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
17.95M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 31, 26 | NANJI FARHAD Director |
STOCK | 379 | $31.14K | Direct |
| Jul 31, 26 | CHANDRA SUNIL Director |
STOCK | 377 | $30.98K | Direct |
| Jul 1, 26 | HENDRY GREGORY LYNN Officer |
CONVERSION | 2.18K | $53.12K | Direct |
| Jul 1, 26 | HENDRY GREGORY LYNN Officer |
SELL | 2.18K | $189.16K | Direct |
| Jun 22, 26 | HENDRY GREGORY LYNN Officer |
CONVERSION | 2.94K | $53.12K | Direct |
| Jun 22, 26 | HENDRY GREGORY LYNN Officer |
SELL | 2.94K | $240.47K | Direct |
| May 15, 26 | PEROTTI DANIEL STANLEY Chief Financial Officer |
SELL | 2.92K | $255.94K | Indirect |
| May 12, 26 | SPECTOR DAVID ALAN Chief Executive Officer |
SELL | 10.00K | $879.86K | Indirect |
| May 7, 26 | MAZZELLA JOSEPH F Director |
STOCK | 359 | $33.40K | Direct |
| May 7, 26 | NANJI FARHAD Director |
STOCK | 338 | $31.44K | Direct |
| May 7, 26 | CHANDRA SUNIL Director |
STOCK | 336 | $31.26K | Direct |
| Apr 14, 26 | SPECTOR DAVID ALAN Chief Executive Officer |
SELL | 10.00K | $928.28K | Indirect |
| Mar 6, 26 | SPECTOR DAVID ALAN Chief Executive Officer |
SELL | 22.44K | $1.94M | |
| Mar 3, 26 | STARK DEREK Officer |
SELL | 1.07K | $93.45K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
HENDRY GREGORY LYNN |
Officer | 48.97K | Conversion of Exercise of derivative security |
HUNT JAMES KELSO |
Director | — | Sale |
JONES DOUGLAS |
President | 457.73K | Conversion of Exercise of derivative security |
KINSELLA PATRICK |
Director | 34.21K | Purchase |
MAZZELLA JOSEPH F |
Director | 246.94K | Stock Award(Grant) |
MCCALLION ANNE D |
Director | 158.47K | Stock Award(Grant) |
NANJI FARHAD |
Director | 4.72M | Stock Award(Grant) |
PEROTTI DANIEL STANLEY |
Chief Financial Officer | — | Sale |
SPECTOR DAVID ALAN |
Chief Executive Officer | — | Sale |
TOZER THEODORE W. |
Director | 27.00K | Stock Award(Grant) |
Fundamentals
Market cap$3.32B
Enterprise value$26.68B
Revenue (TTM)$3.33B
Gross profit$2.87B
EBITDA—
Net income$392.38M
EPS (TTM)$6.22
Free cash flow—
Total cash$415.95M
Total debt$23.83B
Book value / share$71.45
Shares outstanding51.95M
Float27.40M
Short % of float—
Dividend yield1.64%
Beta (5Y)1.44
Valuation & profitability ratios
Trailing P/E10.29
Forward P/E5.25
PEG ratio—
Price / sales—
Price / book0.90
EV / revenue8.01
EV / EBITDA—
Gross margin86.02%
Operating margin4.48%
Profit margin11.78%
Return on equity9.38%
Return on assets1.45%
Debt / equity549.40
Current ratio0.93
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $4.42B | $2.85B | $2.64B | $2.32B | +55.3% |
| Operating revenue | $4.40B | $2.82B | $2.63B | $1.95B | +56.1% |
| Cost of revenue | $1.80B | $1.48B | $1.20B | $1.01B | +21.9% |
| Gross profit | $2.62B | $1.37B | $1.45B | $1.31B | +91.3% |
| Selling, general & admin | $343.06M | $257.04M | $238.08M | $338.17M | +33.5% |
| Total operating expense | $2.07B | $966.75M | $1.10B | $618.27M | +113.9% |
| Operating income | $551.42M | $402.62M | $346.40M | $688.69M | +37.0% |
| Pre-tax income | $551.42M | $401.03M | $183.63M | $665.25M | +37.5% |
| Tax provision | $50.34M | $89.60M | $38.98M | $189.74M | -43.8% |
| Net income | $501.08M | $311.42M | $144.66M | $475.51M | +60.9% |
| Net income to common | $501.08M | $311.42M | $144.66M | $475.51M | +60.9% |
| Basic EPS | 9.69 | 6.11 | 2.89 | 8.96 | +58.6% |
| Diluted EPS | 9.30 | 5.84 | 2.74 | 8.50 | +59.2% |
| EBIT | $551.42M | $402.62M | $346.40M | $688.69M | +37.0% |
| EBITDA | $620.77M | $472.28M | $416.42M | $738.93M | +31.4% |
| Basic shares | 51.73M | 50.99M | 49.98M | 53.06M | +1.4% |
| Diluted shares | 53.88M | 53.36M | 52.73M | 55.95M | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $301.68M | $238.48M | $938.37M | $1.33B | +26.5% |
| Cash & short-term investments | $711.72M | $659.03M | $948.64M | $1.34B | +8.0% |
| Accounts receivable | $141.87M | $164.23M | $132.26M | $116.69M | -13.6% |
| Total current assets | $18.44B | $16.12B | $11.27B | $10.47B | +14.4% |
| Property, plant & equipment | $79.55M | $49.49M | $68.94M | $94.25M | +60.7% |
| Goodwill & intangibles | $9.71B | $8.87B | $7.25B | $6.11B | +9.5% |
| Total assets | $29.39B | $26.09B | $18.84B | $16.82B | +12.7% |
| Total current liabilities | $10.76B | $10.32B | $5.49B | $4.58B | +4.3% |
| Current debt | $8.79B | $8.69B | $3.76B | $3.00B | +1.3% |
| Long-term debt | $14.27B | $11.87B | $9.73B | $8.71B | +20.2% |
| Total debt | $23.06B | $20.55B | $13.49B | $11.72B | +12.2% |
| Total liabilities | $25.08B | $22.26B | $15.31B | $13.35B | +12.7% |
| Retained earnings | $4.21B | $3.77B | $3.51B | $3.47B | +11.6% |
| Shareholder equity | $4.31B | $3.83B | $3.54B | $3.47B | +12.5% |
| Working capital | $7.68B | $5.80B | $5.78B | $5.89B | +32.5% |
| Net tangible assets | -$5.40B | -$5.04B | -$3.71B | -$2.64B | -7.2% |
| Shares issued | 52.06M | 51.38M | 50.18M | 49.99M | +1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $501.08M | $311.42M | $144.66M | $475.51M | +60.9% |
| Depreciation & amortisation | $69.36M | $69.66M | $70.02M | $50.24M | -0.4% |
| Stock-based compensation | $36.23M | $20.87M | $27.58M | $42.55M | +73.6% |
| Change in working capital | -$10.88M | -$209.54M | $11.24M | $309.52M | +94.8% |
| Operating cash flow | -$1.65B | -$4.53B | -$1.58B | $6.03B | +63.6% |
| Capital expenditure | -$51.20M | -$22.10M | -$36.17M | -$83.09M | -131.7% |
| Investing cash flow | $552.49M | -$1.89B | -$273.29M | -$721.58M | +129.3% |
| Share buybacks | -$4.74M | $0 | -$71.49M | -$406.09M | — |
| Dividends paid | -$62.55M | -$52.16M | -$41.45M | -$54.62M | -19.9% |
| Financing cash flow | $1.16B | $5.72B | $1.47B | -$4.32B | -79.7% |
| Free cash flow | -$1.70B | -$4.56B | -$1.62B | $5.95B | +62.6% |
| End cash position | $301.68M | $238.48M | $938.37M | $1.33B | +26.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $972.18M | $966.74M | $2.21B | $882.81M | $931.58M | — | +0.6% |
| Operating revenue | $952.68M | $960.62M | $2.21B | $878.24M | $927.07M | — | -0.8% |
| Cost of revenue | $549.37M | $503.57M | $500.43M | $469.76M | $448.56M | — | +9.1% |
| Gross profit | $422.81M | $463.17M | $1.71B | $413.06M | $483.02M | — | -8.7% |
| Selling, general & admin | $96.51M | $96.40M | $90.45M | $93.86M | $82.75M | — | +0.1% |
| Total operating expense | $391.28M | $358.48M | $1.58B | $176.49M | $406.57M | — | +9.2% |
| Operating income | $31.52M | $104.69M | $133.46M | $236.57M | $76.44M | — | -69.9% |
| Pre-tax income | $31.52M | $104.69M | $134.41M | $236.37M | $76.44M | — | -69.9% |
| Tax provision | $9.80M | $22.37M | $27.57M | $54.87M | -$60.02M | — | -56.2% |
| Net income | $21.73M | $82.32M | $106.83M | $181.50M | $136.46M | — | -73.6% |
| Net income to common | $21.73M | $82.32M | $106.83M | $181.50M | $136.46M | — | -73.6% |
| Basic EPS | 0.42 | 1.58 | 2.05 | — | 2.64 | 1.48 | -73.4% |
| Diluted EPS | 0.41 | 1.53 | 1.97 | — | 2.54 | 1.42 | -73.2% |
| EBIT | $31.52M | $104.69M | $133.46M | $236.57M | $76.44M | — | -69.9% |
| EBITDA | $50.36M | $122.43M | $150.68M | $253.04M | $94.80M | — | -58.9% |
| Basic shares | 51.93M | 52.13M | 52.00M | 51.73M | 51.67M | — | -0.4% |
| Diluted shares | 53.25M | 53.86M | 54.17M | 53.88M | 53.63M | — | -1.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $214.27M | $219.51M | $301.68M | $621.92M | $162.19M | -2.4% |
| Cash & short-term investments | $748.62M | $653.73M | $711.72M | $684.15M | $624.45M | +14.5% |
| Accounts receivable | $178.25M | $162.89M | $141.87M | $180.18M | $165.16M | +9.4% |
| Total current assets | $18.05B | $20.49B | $18.44B | $14.43B | $13.46B | -11.9% |
| Property, plant & equipment | $105.09M | $76.93M | $79.55M | $50.74M | $41.50M | +36.6% |
| Goodwill & intangibles | $10.70B | $10.26B | $9.71B | $9.76B | $9.64B | +4.3% |
| Total assets | $29.86B | $31.94B | $29.39B | $25.40B | $24.22B | -6.5% |
| Total current liabilities | $10.19B | $11.96B | $10.76B | $8.86B | $8.95B | -14.8% |
| Current debt | $8.44B | $10.18B | $8.79B | $7.13B | $7.34B | -17.1% |
| Long-term debt | $15.25B | $15.55B | $14.27B | $12.27B | $11.18B | -1.9% |
| Total debt | $23.69B | $25.73B | $23.06B | $19.40B | $18.52B | -7.9% |
| Total liabilities | $25.52B | $27.62B | $25.08B | $21.19B | $20.19B | -7.6% |
| Retained earnings | $4.28B | $4.28B | $4.21B | $4.12B | $3.96B | +0.1% |
| Shareholder equity | $4.34B | $4.33B | $4.31B | $4.21B | $4.03B | +0.3% |
| Working capital | $7.86B | $8.53B | $7.68B | $5.57B | $4.51B | -7.8% |
| Net tangible assets | -$6.36B | -$5.94B | -$5.40B | -$5.55B | -$5.61B | -7.2% |
| Shares issued | 51.94M | 51.92M | 52.06M | 51.88M | 51.67M | +0.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $21.73M | $82.32M | $106.83M | $181.50M | $136.46M | -73.6% |
| Depreciation & amortisation | $18.83M | $17.74M | $17.22M | $16.48M | $18.36M | +6.2% |
| Stock-based compensation | $4.46M | $2.45M | $7.70M | $9.93M | $7.52M | +82.4% |
| Change in working capital | $55.15M | -$301.17M | -$37.30M | $11.89M | -$18.57M | +118.3% |
| Operating cash flow | $2.14B | -$1.34B | -$1.89B | -$697.37M | -$131.31M | +259.7% |
| Capital expenditure | -$9.73M | -$24.60M | -$22.97M | -$10.28M | -$10.45M | +60.5% |
| Investing cash flow | -$389.09M | -$144.53M | -$73.52M | $753.04M | -$157.42M | -169.2% |
| Share buybacks | $0 | -$50.01M | $0 | -$4.74M | $0 | +100.0% |
| Dividends paid | -$15.88M | -$15.60M | -$15.93M | -$15.81M | -$15.81M | -1.8% |
| Financing cash flow | -$1.76B | $1.40B | $1.64B | $404.07M | $239.82M | -225.3% |
| Free cash flow | $2.13B | -$1.37B | -$1.91B | -$707.65M | -$141.77M | +256.1% |
| End cash position | $214.27M | $219.51M | $301.68M | $621.92M | $162.19M | -2.4% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $561.45M | -11.3% |
| Next quarter | — | — | $582.27M | +8.2% |
| Current year | — | — | $2.21B | +8.1% |
| Next year | — | — | $2.81B | +27.1% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders34.56%
Held by institutions66.68%
Institutions holding318
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
64.70
-1.08% from price
SMA 20
65.38
-2.10% from price
SMA 50
68.87
-7.07% from price
SMA 100
71.03
-9.89% from price
SMA 200
83.93
-23.74% from price
EMA 12
64.80
-1.24% from price
EMA 26
66.30
-3.47% from price
EMA 50
68.14
-6.08% from price
RSI (14)
42.4
Neutral
MACD (12,26,9)
-1.50
Hist -0.01
ATR (14)
1.25
1.95% of price
Realised vol 30D
54.1%
Annualised
Bollinger upper
70.85
20, 2σ
Bollinger lower
59.90
20, 2σ
50 / 200 cross
Death
68.87 vs 83.93
Trend bias
Below 200
-23.74%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.15
Less volatile than market
Correlation to SPY
0.04
Largely independent
Realised vol 30D
54.1%
Annualised
Market vol 1Y
12.8%
SPY, annualised
Max drawdown 1Y
-53.4%
Peak to trough
Max drawdown 5Y
-53.4%
Peak to trough
ATR 14
1.25
1.95% of price
Beta (reported)
1.44
5Y monthly, from filing
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 31, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 30, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 30, 26 | Wells Fargo | MAINTAINED | Overweight | Overweight |
| Jul 30, 26 | Barclays | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 30, 26 | Piper Sandler | DOWNGRADE | Overweight | Neutral |
| Jul 30, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jul 7, 26 | Barclays | DOWNGRADE | Overweight | Equal-Weight |
| Jul 2, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jun 16, 26 | BTIG | MAINTAINED | Buy | Buy |
| May 11, 26 | Barclays | MAINTAINED | Overweight | Overweight |
| May 8, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| May 6, 26 | Piper Sandler | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate$1.04 / yr
Forward yield1.64%
5-year avg yield1.18%
Payout ratio16.51%
Ex-dividend dateAug 17, 2026
Next pay date—
Last split—
Split date—
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Quartz · 10m ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.