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PennyMac Financial Services Debt-to-EBITDA

: 3.68 As of Mar. 2020
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Debt-to-EBITDA measures a company's ability to pay off its debt.

PennyMac Financial Services's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2020 was $0 Mil. PennyMac Financial Services's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2020 was $6,376 Mil. PennyMac Financial Services's annualized EBITDA for the quarter that ended in Mar. 2020 was $1,732 Mil. PennyMac Financial Services's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2020 was 3.68.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

NYSE:PFSI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.26   Med: 3.66   Max: 6.71
Current: 4.16

2.26
6.71

During the past 10 years, the highest Debt-to-EBITDA Ratio of PennyMac Financial Services was 6.71. The lowest was 2.26. And the median was 3.66.

NYSE:PFSI's Debt-to-EBITDA is ranked lower than
78% of the 1285 Companies
in the Banks industry.

( Industry Median: 1.79 vs. NYSE:PFSI: 4.16 )

PennyMac Financial Services Debt-to-EBITDA 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
Debt-to-EBITDA Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.25 3.63 5.90 6.71 5.16

PennyMac Financial Services Quarterly Data
Jun15 Sep15 Dec15 Mar16 Jun16 Sep16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20
Debt-to-EBITDA 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 Premium Member Only Premium Member Only Premium Member Only 13.91 10.35 7.50 1.88 3.68

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 Debt-to-EBITDA Distribution

* The bar in red indicates where PennyMac Financial Services's Debt-to-EBITDA falls into.



PennyMac Financial Services Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

PennyMac Financial Services's Debt-to-EBITDA for the fiscal year that ended in Dec. 2019 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 6045.201) / 1171.23
=5.16

PennyMac Financial Services's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2020 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0 + 6375.783) / 1732.028
=3.68

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

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Mar. 2020) EBITDA data.


PennyMac Financial Services  (NYSE:PFSI) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


PennyMac Financial Services Debt-to-EBITDA Related Terms


PennyMac Financial Services Debt-to-EBITDA Headlines

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