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PFSI (PennyMac Financial Services) COGS-to-Revenue : 0.36 (As of Mar. 2025)


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What is PennyMac Financial Services COGS-to-Revenue?

PennyMac Financial Services's Cost of Goods Sold for the three months ended in Mar. 2025 was $383 Mil. Its Revenue for the three months ended in Mar. 2025 was $1,070 Mil.

PennyMac Financial Services's COGS to Revenue for the three months ended in Mar. 2025 was 0.36.

Cost of Goods Sold is directly linked to profitability of the company through Gross Margin. PennyMac Financial Services's Gross Margin % for the three months ended in Mar. 2025 was 64.23%.


PennyMac Financial Services COGS-to-Revenue Historical Data

The historical data trend for PennyMac Financial Services's COGS-to-Revenue 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.

* Premium members only.

PennyMac Financial Services COGS-to-Revenue Chart

PennyMac Financial Services Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
COGS-to-Revenue
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.30 0.40 0.44 0.58 0.61

PennyMac Financial Services Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
COGS-to-Revenue 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 0.61 0.51 0.62 0.60 0.36

PennyMac Financial Services COGS-to-Revenue Calculation

PennyMac Financial Services's COGS to Revenue for the fiscal year that ended in Dec. 2024 is calculated as

COGS to Revenue=Cost of Goods Sold / Revenue
=1476.219 / 2413.136
=0.61

PennyMac Financial Services's COGS to Revenue for the quarter that ended in Mar. 2025 is calculated as

COGS to Revenue=Cost of Goods Sold / Revenue
=382.701 / 1069.756
=0.36

* 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  (NYSE:PFSI) COGS-to-Revenue Explanation

Cost of Goods Sold is directly linked to profitability of the company through Gross Margin.

PennyMac Financial Services's Gross Margin % for the three months ended in Mar. 2025 is calculated as:

Gross Margin %=1 - COGS to Revenue
=1 - Cost of Goods Sold / Revenue
=1 - 382.701 / 1069.756
=64.23 %

* 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.

A company that has a moat can usually maintain or even expand their Gross Margin. A company can increase its Gross Margin in two ways. It can increase the prices of the goods it sells and keeps its Cost of Goods Sold unchanged. Or it can keep the sales price unchanged and squeeze its suppliers to reduce the Cost of Goods Sold. Warren Buffett believes businesses with the power to raise prices have moats.


PennyMac Financial Services COGS-to-Revenue Related Terms

Thank you for viewing the detailed overview of PennyMac Financial Services's COGS-to-Revenue provided by GuruFocus.com. Please click on the following links to see related term pages.


PennyMac Financial Services Business Description

Traded in Other Exchanges
N/A
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 and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
Executives
Daniel Stanley Perotti officer: Chief Financial Officer C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
David Spector director, officer: Chairman & CEO C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Joseph F Mazzella director C/O HIGHFIELDS CAPITAL MANAGEMENT LP, 200 CLARENDON STREET, BOSTON MA 02116
Doug Jones officer: Chief Mtge Bnkg Ofcr C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Derek Stark officer: Chief Legal Officer 4500 PARK GRANADA, CALABASAS CA 91302
James Follette officer: Chief Mort Fulfillment Off. PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Gregory L Hendry officer: MD, Chief Accounting Officer 3300 LAKE AVENUE, ALTADENA CA 91001
Steven Richard Bailey officer: Chief Servicing Officer C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
James K Hunt director THL CREDIT GROUP, 100 FEDERAL STREET, 35TH FLOOR, BOSTON MA 02110
Anne Mccallion director C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
William Herbert Chang officer: Chief Capital Markets Officer PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Patrick Kinsella director C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
Donald J. White officer: Chief Risk Officer PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Vandad Fartaj officer: Chief Investment Officer C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Farhad Nanji director C/O HIGHFIELDS CAPITAL MANAGEMENT LP, 200 CLARENDON STREET, BOSTON MA 02116