PFSI- NYSE (USA) Also traded in: Germany
PennyMac Financial Services Inc Class A

Not Rated

Top Ranked Predictable Companies

$52.85

0.89(1.71%) Volume: 185,469 11:20AM EDT

Avg Vol (1m): 864,817

Warning! GuruFocus has detected 5 Severe Warning Signs with NYSE:PFSI. Click here to check it out.

Market Cap : 3.77 B	Enterprise Value : 9.45 B	P/E (TTM) : 4.52	P/B : 1.69

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PennyMac Financial Services Cash Conversion Cycle

: -63.81 (As of Jun. 2020)

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Cash Conversion Cycle is one of several measures of management effectiveness. It equals Days Sales Outstanding + Days Inventory - Days Payable.

PennyMac Financial Services's Days Sales Outstanding for the three months ended in Jun. 2020 was 4.92.
PennyMac Financial Services's Days Inventory for the three months ended in Jun. 2020 was 0.
PennyMac Financial Services's Days Payable for the three months ended in Jun. 2020 was 68.73.
Therefore, PennyMac Financial Services's Cash Conversion Cycle (CCC) for the three months ended in Jun. 2020 was -63.81.

PennyMac Financial Services Cash Conversion Cycle Historical Data

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

* Premium members only.

PennyMac Financial Services Annual Data
	Dec10	Dec11	Dec12	Dec13	Dec14	Dec15	Dec16	Dec17	Dec18	Dec19
Cash Conversion Cycle						-80.85	-102.14	-69.82	-88.01	-69.55

PennyMac Financial Services Quarterly Data
	Sep15	Dec15	Mar16	Jun16	Sep16	Dec16	Mar17	Jun17	Sep17	Dec17	Mar18	Jun18	Sep18	Dec18	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20
Cash Conversion Cycle																-72.43	-79.47	-56.75	-63.62	-63.81

Competitive Comparison

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap.

PennyMac Financial Services Cash Conversion Cycle Distribution

* The bar in red indicates where PennyMac Financial Services's Cash Conversion Cycle falls into.

PennyMac Financial Services Cash Conversion Cycle Calculation

Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.

Cash Conversion Cycle is one of several measures of management effectiveness.

PennyMac Financial Services's Cash Conversion Cycle for the fiscal year that ended in Dec. 2019 is calculated as

Cash Conversion Cycle	=	Days Sales Outstanding	+	Days Inventory	-	Days Payable
	=	11.9	+	0	-	81.45
	=	-69.55

PennyMac Financial Services's Cash Conversion Cycle for the quarter that ended in Jun. 2020 is calculated as:

Cash Conversion Cycle	=	Days Sales Outstanding	+	Days Inventory	-	Days Payable
	=	4.92	+	0	-	68.73
	=	-63.81

* All numbers are in millions except for per share data and ratio. All numbers are in their local exchange's currency.

PennyMac Financial Services (NYSE:PFSI) Cash Conversion Cycle Explanation

Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.

Be Aware

CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.

The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.

PennyMac Financial Services Cash Conversion Cycle Related Terms

PennyMac Financial Services Cash Conversion Cycle Headlines

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PennyMac Financial Services Cash Conversion Cycle

PennyMac Financial Services Cash Conversion Cycle Historical Data

PennyMac Financial Services Cash Conversion Cycle Calculation

PennyMac Financial Services Cash Conversion Cycle Related Terms

PennyMac Financial Services Cash Conversion Cycle Headlines