PennyMac Net Debt vs Cash Analysis

PFSI Stock

USD 90.65 0.12 0.13%

PennyMac Finl financial indicator trend analysis is much more than just breaking down PennyMac Finl Svcs prevalent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether PennyMac Finl Svcs is a good investment. Please check the relationship between PennyMac Finl Net Debt and its Cash accounts. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in PennyMac Finl Svcs. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.

Net Debt vs Cash

Net Debt vs Cash Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of PennyMac Finl Svcs Net Debt account and Cash. At this time, the significance of the direction appears to have fragmental relationship.

The correlation between PennyMac Finl's Net Debt and Cash is 0.56. Overlapping area represents the amount of variation of Net Debt that can explain the historical movement of Cash in the same time period over historical financial statements of PennyMac Finl Svcs, assuming nothing else is changed. The correlation between historical values of PennyMac Finl's Net Debt and Cash is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Debt of PennyMac Finl Svcs are associated (or correlated) with its Cash. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Cash has no effect on the direction of Net Debt i.e., PennyMac Finl's Net Debt and Cash go up and down completely randomly.

Correlation Coefficient

0.56

Relationship Direction	Positive
Relationship Strength	Weak

View All Relationships

Net Debt

The total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds.

Cash

Cash refers to the most liquid asset of PennyMac Finl Svcs, which is listed under current asset account on PennyMac Finl Svcs balance sheet and usually includes currency, coins, checking accounts, and not deposited checks received from PennyMac Finl customers. The amounts must be unrestricted with restricted cash listed in a different PennyMac Finl account. The total amount of money in the form of currency that a company has in its possession. This includes all bills, coins, and funds in bank accounts.

Most indicators from PennyMac Finl's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into PennyMac Finl Svcs current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in PennyMac Finl Svcs. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.

As of now, PennyMac Finl's Enterprise Value Multiple is increasing as compared to previous years. The PennyMac Finl's current Enterprise Value is estimated to increase to about 5.1 B, while Tax Provision is projected to decrease to under 82.2 M.

	2021	2022	2023	2024 (projected)
Interest Expense	90.5M	50.2M	637.8M	669.7M
Depreciation And Amortization	42.9M	50.2M	70.0M	66.5M

Interest Expense Depreciation And Amortization

PennyMac Finl fundamental ratios Correlations

	Common Stock Shares Outstanding	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Long Term Debt	Cash And Short Term Investments	Net Receivables	Short Term Investments	Non Current Liabilities Total	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets
Common Stock Shares Outstanding		0.41	0.38	0.03	0.46	0.32	0.27	0.5	0.38	0.25	0.69	0.22	0.31	0.1	0.31	0.2	0.22	0.33	-0.04	0.33	0.33	-0.14	0.3	0.4	0.38	0.4
Total Assets	0.41		0.99	-0.02	0.96	0.86	0.38	0.8	0.99	0.76	0.62	0.64	0.72	0.38	0.92	0.56	0.63	0.84	-0.34	0.94	0.1	-0.43	0.34	1.0	0.69	0.98
Short Long Term Debt Total	0.38	0.99		0.01	0.96	0.82	0.32	0.76	1.0	0.72	0.57	0.59	0.66	0.34	0.92	0.49	0.58	0.88	-0.34	0.94	0.1	-0.44	0.35	1.0	0.65	0.99
Other Current Liab	0.03	-0.02	0.01		0.07	-0.29	-0.65	0.04	0.01	-0.4	-0.13	-0.39	-0.47	-0.9	-0.24	-0.46	-0.38	0.37	0.25	-0.23	0.22	0.4	0.36	-0.01	-0.52	0.05
Total Current Liabilities	0.46	0.96	0.96	0.07		0.82	0.27	0.86	0.96	0.7	0.65	0.5	0.66	0.3	0.85	0.53	0.49	0.83	-0.28	0.86	0.19	-0.4	0.42	0.96	0.69	0.96
Total Stockholder Equity	0.32	0.86	0.82	-0.29	0.82		0.71	0.82	0.81	0.95	0.55	0.85	0.94	0.66	0.88	0.85	0.84	0.54	-0.46	0.88	0.08	-0.56	0.2	0.84	0.9	0.78
Other Liab	0.27	0.38	0.32	-0.65	0.27	0.71		0.46	0.29	0.75	0.45	0.86	0.87	0.82	0.46	0.87	0.88	-0.1	-0.27	0.52	0.01	-0.34	-0.05	0.35	0.78	0.24
Property Plant And Equipment Net	0.5	0.8	0.76	0.04	0.86	0.82	0.46		0.76	0.69	0.6	0.54	0.73	0.32	0.63	0.71	0.54	0.53	-0.22	0.67	0.49	-0.43	0.47	0.78	0.81	0.73
Net Debt	0.38	0.99	1.0	0.01	0.96	0.81	0.29	0.76		0.71	0.56	0.56	0.64	0.33	0.91	0.47	0.55	0.88	-0.33	0.94	0.11	-0.44	0.37	1.0	0.64	1.0
Retained Earnings	0.25	0.76	0.72	-0.4	0.7	0.95	0.75	0.69	0.71		0.49	0.9	0.93	0.72	0.87	0.86	0.88	0.45	-0.54	0.82	-0.15	-0.59	-0.11	0.74	0.85	0.68
Accounts Payable	0.69	0.62	0.57	-0.13	0.65	0.55	0.45	0.6	0.56	0.49		0.43	0.63	0.36	0.47	0.52	0.45	0.33	0.01	0.52	-0.01	0.08	0.26	0.59	0.58	0.55
Cash	0.22	0.64	0.59	-0.39	0.5	0.85	0.86	0.54	0.56	0.9	0.43		0.9	0.68	0.73	0.83	0.99	0.3	-0.48	0.75	-0.16	-0.44	-0.12	0.61	0.74	0.53
Non Current Assets Total	0.31	0.72	0.66	-0.47	0.66	0.94	0.87	0.73	0.64	0.93	0.63	0.9		0.79	0.75	0.95	0.9	0.29	-0.34	0.78	-0.01	-0.41	0.08	0.69	0.93	0.6
Non Currrent Assets Other	0.1	0.38	0.34	-0.9	0.3	0.66	0.82	0.32	0.33	0.72	0.36	0.68	0.79		0.56	0.74	0.67	-0.07	-0.37	0.56	-0.16	-0.53	-0.18	0.36	0.8	0.29
Other Assets	0.31	0.92	0.92	-0.24	0.85	0.88	0.46	0.63	0.91	0.87	0.47	0.73	0.75	0.56		0.57	0.7	0.78	-0.54	0.97	-0.13	-0.61	0.06	0.92	0.7	0.91
Long Term Debt	0.2	0.56	0.49	-0.46	0.53	0.85	0.87	0.71	0.47	0.86	0.52	0.83	0.95	0.74	0.57		0.85	0.09	-0.25	0.6	0.05	-0.34	0.03	0.52	0.9	0.42
Cash And Short Term Investments	0.22	0.63	0.58	-0.38	0.49	0.84	0.88	0.54	0.55	0.88	0.45	0.99	0.9	0.67	0.7	0.85		0.27	-0.38	0.73	-0.15	-0.37	-0.09	0.6	0.73	0.52
Net Receivables	0.33	0.84	0.88	0.37	0.83	0.54	-0.1	0.53	0.88	0.45	0.33	0.3	0.29	-0.07	0.78	0.09	0.27		-0.3	0.76	0.04	-0.31	0.33	0.86	0.26	0.91
Short Term Investments	-0.04	-0.34	-0.34	0.25	-0.28	-0.46	-0.27	-0.22	-0.33	-0.54	0.01	-0.48	-0.34	-0.37	-0.54	-0.25	-0.38	-0.3		-0.41	0.13	0.72	0.28	-0.34	-0.35	-0.33
Non Current Liabilities Total	0.33	0.94	0.94	-0.23	0.86	0.88	0.52	0.67	0.94	0.82	0.52	0.75	0.78	0.56	0.97	0.6	0.73	0.76	-0.41		0.0	-0.51	0.23	0.94	0.73	0.93
Inventory	0.33	0.1	0.1	0.22	0.19	0.08	0.01	0.49	0.11	-0.15	-0.01	-0.16	-0.01	-0.16	-0.13	0.05	-0.15	0.04	0.13	0.0		-0.19	0.75	0.1	0.24	0.1
Other Current Assets	-0.14	-0.43	-0.44	0.4	-0.4	-0.56	-0.34	-0.43	-0.44	-0.59	0.08	-0.44	-0.41	-0.53	-0.61	-0.34	-0.37	-0.31	0.72	-0.51	-0.19		0.09	-0.44	-0.58	-0.43
Other Stockholder Equity	0.3	0.34	0.35	0.36	0.42	0.2	-0.05	0.47	0.37	-0.11	0.26	-0.12	0.08	-0.18	0.06	0.03	-0.09	0.33	0.28	0.23	0.75	0.09		0.35	0.19	0.36
Total Liab	0.4	1.0	1.0	-0.01	0.96	0.84	0.35	0.78	1.0	0.74	0.59	0.61	0.69	0.36	0.92	0.52	0.6	0.86	-0.34	0.94	0.1	-0.44	0.35		0.67	0.99
Property Plant And Equipment Gross	0.38	0.69	0.65	-0.52	0.69	0.9	0.78	0.81	0.64	0.85	0.58	0.74	0.93	0.8	0.7	0.9	0.73	0.26	-0.35	0.73	0.24	-0.58	0.19	0.67		0.6
Total Current Assets	0.4	0.98	0.99	0.05	0.96	0.78	0.24	0.73	1.0	0.68	0.55	0.53	0.6	0.29	0.91	0.42	0.52	0.91	-0.33	0.93	0.1	-0.43	0.36	0.99	0.6

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PennyMac Finl Account Relationship Matchups

PennyMac Finl fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Common Stock Shares Outstanding	80.3M	78.7M	67.5M	56.0M	52.7M	57.6M
Total Assets	10.2B	31.6B	18.8B	16.8B	18.8B	10.6B
Short Long Term Debt Total	7.1B	26.9B	14.0B	11.8B	13.5B	7.6B
Other Current Liab	550.7M	657.9M	715.8M	1.0B	(3.8B)	(3.6B)
Total Current Liabilities	5.1B	10.9B	8.6B	4.5B	5.5B	3.9B
Total Stockholder Equity	2.1B	3.4B	3.4B	3.5B	3.5B	3.7B
Other Liab	681.1M	253.5M	304.9M	1.3B	1.5B	1.5B
Property Plant And Equipment Net	103.6M	74.9M	89.0M	65.9M	68.9M	45.8M
Net Debt	6.9B	26.4B	13.6B	10.5B	12.6B	7.3B
Retained Earnings	726.4M	2.3B	3.3B	3.5B	3.5B	3.7B
Accounts Payable	427.1M	580.5M	587.4M	467.4M	658.1M	482.4M
Cash	188.3M	532.7M	340.1M	1.3B	938.4M	985.3M
Non Current Assets Total	3.6B	4.1B	4.9B	6.5B	7.6B	8.0B
Non Currrent Assets Other	313.9M	773.0M	616.6M	516.9M	5.0B	5.3B
Other Assets	155.5M	31.1B	18.3B	15.4B	17.7B	18.6B
Long Term Debt	5.9B	1.9B	6.6B	8.7B	9.7B	10.2B
Cash And Short Term Investments	262.9M	547.9M	346.9M	1.3B	948.6M	996.1M
Net Receivables	1.1B	26.3B	12.8B	8.2B	29.3M	27.8M
Short Term Investments	74.6M	15.2M	6.9M	12.2M	10.3M	9.8M
Liabilities And Stockholders Equity	10.2B	31.6B	18.8B	16.8B	18.8B	10.6B
Non Current Liabilities Total	3.0B	17.3B	6.8B	8.9B	9.8B	10.3B
Inventory	5.7B	1.3B	7.5M	(107.0M)	15.0M	14.2M
Other Current Assets	(418.6M)	(715.8M)	(418.2M)	803.8M	(977.9M)	(929.0M)
Other Stockholder Equity	1.3B	1.0B	125.4M	24.3M	27.9M	26.5M
Total Liab	8.1B	28.2B	15.4B	13.4B	15.3B	8.6B
Property Plant And Equipment Gross	103.6M	74.9M	89.0M	65.9M	132.6M	139.2M
Total Current Assets	6.6B	27.5B	13.9B	10.3B	11.3B	7.4B
Short Term Debt	4.1B	9.7B	7.3B	3.0B	8.7B	9.1B
Intangible Assets	3.0B	2.6B	3.9B	6.0B	7.1B	7.5B
Property Plant Equipment	103.6M	74.9M	89.0M	94.2M	108.4M	113.8M
Retained Earnings Total Equity	726.4M	2.3B	3.3B	3.5B	4.0B	4.2B
Net Tangible Assets	2.0B	3.4B	3.4B	3.5B	4.0B	4.2B
Long Term Investments	1.7M	12.3B	1.3M	929K	1.1M	1.1M
Short Long Term Debt	4.1B	9.7B	7.3B	3.0B	3.8B	4.2B
Long Term Debt Total	1.3B	1.9B	1.8B	2.3B	2.6B	1.3B

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When determining whether PennyMac Finl Svcs offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of PennyMac Finl's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pennymac Finl Svcs Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pennymac Finl Svcs Stock:

How To Invest In PennyMac

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Is PennyMac Stock a good investment?

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What is PennyMac Finl's Net Worth?

Details

Largest Commercial & Residential Mortgage Finance Companies

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Largest Financial Services Companies

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Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in PennyMac Finl Svcs. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.

You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

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When running PennyMac Finl's price analysis, check to measure PennyMac Finl's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy PennyMac Finl is operating at the current time. Most of PennyMac Finl's value examination focuses on studying past and present price action to predict the probability of PennyMac Finl's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move PennyMac Finl's price. Additionally, you may evaluate how the addition of PennyMac Finl to your portfolios can decrease your overall portfolio volatility.

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Is PennyMac Finl's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of PennyMac Finl. If investors know PennyMac will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about PennyMac Finl listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.298

Dividend Share

0.8

Earnings Share

2.91

Revenue Per Share

35.952

Quarterly Revenue Growth

(0.38)

The market value of PennyMac Finl Svcs is measured differently than its book value, which is the value of PennyMac that is recorded on the company's balance sheet. Investors also form their own opinion of PennyMac Finl's value that differs from its market value or its book value, called intrinsic value, which is PennyMac Finl's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because PennyMac Finl's market value can be influenced by many factors that don't directly affect PennyMac Finl's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between PennyMac Finl's value and its price as these two are different measures arrived at by different means. Investors typically determine if PennyMac Finl is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, PennyMac Finl's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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PennyMac Net Debt vs Cash Analysis

Net Debt vs Cash

Net Debt vs Cash Correlation Analysis

Correlation Coefficient

Net Debt

Cash

PennyMac Finl fundamental ratios Correlations

PennyMac Finl Account Relationship Matchups

High Positive Relationship

High Negative Relationship

PennyMac Finl fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Net Debt	+ 1.0	Short Long Term Debt Total
Total Liab	+ 1.0	Short Long Term Debt Total
Total Liab	+ 1.0	Net Debt
Total Current Assets	+ 1.0	Net Debt
Short Long Term Debt Total	+ 0.99	Total Assets

Non Currrent Assets Other	- 0.9	Other Current Liab
Other Liab	- 0.65	Other Current Liab
Other Current Assets	- 0.61	Other Assets
Other Current Assets	- 0.59	Retained Earnings
Property Plant And Equipment Gross	- 0.58	Other Current Assets
Other Current Assets	- 0.56	Total Stockholder Equity