PFSI (PennyMac Financial Services) Change In Receivables: $-1 Mil (TTM As of Mar. 2026)

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PFSI PennyMac Financial Services Inc PFSI
71 GF Score
Price $86.51
GF Value $130.73
Valuation Possible Value Trap
! 7 Warning Signs
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What is PennyMac Financial Services Change In Receivables?

PennyMac Financial Services PFSI +1.80% 71 Change In Receivables is $-1 Mil as of Mar. 2026. GuruFocus rates PFSI with a GF Score™ of 71/100 and a GF Value™ of $130.73 (Possible Value Trap). The stock has 7 warning signs investors should review.

PennyMac Financial Services's change in receivables for the quarter that ended in Mar. 2026 was $-4 Mil. It means PennyMac Financial Services's Accounts Receivable increased by $4 Mil from Dec. 2025 to Mar. 2026 .

PennyMac Financial Services's change in receivables for the fiscal year that ended in Dec. 2025 was $3 Mil. It means PennyMac Financial Services's Accounts Receivable declined by $3 Mil from Dec. 2024 to Dec. 2025 .

PennyMac Financial Services's Accounts Receivable for the quarter that ended in Mar. 2026 was $163 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. PennyMac Financial Services's Days Sales Outstanding for the three months ended in Mar. 2026 was 15.37.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. PennyMac Financial Services's liquidation value for the three months ended in Mar. 2026 was $-26,842 Mil.

PennyMac Financial Services  (NYSE:PFSI) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

PennyMac Financial Services's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=162.887/966.736*91
=15.37

2. In Ben Graham's calculation of liquidation value, PennyMac Financial Services's accounts receivable are only considered to be worth 75% of book value:

PennyMac Financial Services's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=653.733-27618.239+0.75 * 162.887+0.5 * 0
=-26,842

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PennyMac Financial Services Change In Receivables Related Terms

PennyMac Financial Services Change In Receivables Historical Data

* Premium members only.

The historical data trend for PennyMac Financial Services's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PennyMac Financial Services Change In Receivables Chart

PennyMac Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 35.24 2.78 5.67 -4.46 3.10

PennyMac Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.23 -3.67 -12.36 19.36 -4.10
PFSI
71GF Score
PennyMac Financial Services Inc PFSI
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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PennyMac Financial Services Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-1 Mil mean?
PennyMac Financial Services (PFSI) has a Change In Receivables of $-1 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for PennyMac Financial Services and its competitors.
Is PennyMac Financial Services' Change In Receivables too high?
PennyMac Financial Services' current Change In Receivables is $-1 Mil. Overall, PennyMac Financial Services has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Financial Services' Change In Receivables compare to FMCC and WD?
PennyMac Financial Services' Change In Receivables of $-1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for PennyMac Financial Services and its competitors. PennyMac Financial Services's current Change In Receivables is $-1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PennyMac Financial Services stock overvalued right now?
Based on GuruFocus' analysis, PennyMac Financial Services (PFSI) is currently considered Possible Value Trap. The stock's GF Value™ is $130.73, compared to a current price of $86.51 — trading 33.8% below its estimated fair value. The current Change In Receivables is $-1 Mil. PennyMac Financial Services' overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For PennyMac Financial Services (PFSI), the current Change In Receivables is $-1 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PennyMac Financial Services (PFSI) Overvalued in 2026?

Based on GuruFocus' analysis, PennyMac Financial Services stock appears to be undervalued. The current stock price of $86.51 is trading 33.8% below its estimated GF Value™ of $130.73. GuruFocus considers PennyMac Financial Services to be Possible Value Trap.

Key valuation signals for PFSI:

  • Change In Receivables: $-1 Mil
  • GF Value™: $130.73 vs. price of $86.51 (33.8% below fair value)
  • GF Score™: 71/100 with 7 warning signs

No single metric tells the full story. See the PFSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PennyMac Financial Services Business Description

Address 3043 Townsgate Road, Suite 200, Westlake Village, CA, USA, 91361
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform mainly focused on the production and servicing of U.S. residential mortgage loans. The firm is also engaged in managing investments related to the U.S. mortgage market and provides products and services that leverage technologies to support customers. The company operates through two reportable operating segments: production and servicing. The production segment performs loan origination, acquisition, and sale activities, while the servicing segment performs servicing and subservicing of loans, early buyout transactions, and servicing of loans sourced and managed for PMT. The majority of revenue comes from the production segment.
71GF Score

Get the complete analysis for PFSI

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.51
Price
$130.73
GF Value