{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "8ff14450-e3a1-4c6d-9d24-7877aec9d28f",
    "symbol": "PFSI",
    "name": "PennyMac Finl Svcs Inc",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Mortgage Finance",
    "chart_url": "https://sharemaestro.com/terminal/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "8ff14450-e3a1-4c6d-9d24-7877aec9d28f",
      "symbol": "PFSI",
      "name": "PennyMac Finl Svcs Inc",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Mortgage Finance",
      "chart_url": "https://sharemaestro.com/terminal/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "PFSI",
    "market_cap": 4240185600.0,
    "market_cap_usd": 4218376845.0,
    "price": 81.660004,
    "currency": "USD",
    "dividend_yield": 0.0149,
    "dividend_years": 8,
    "dividend_growth_5y": 0.17316068,
    "dividend_cut_5y": false,
    "payout_ratio": 0.1275,
    "net_income": 501077000.0,
    "free_cash_flow": -1703189000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 5.9827,
    "revenue_growth_5y": 0.0199907,
    "net_margin": 0.15278,
    "roe": 0.12324,
    "pe_ratio": 8.678002,
    "price_vs_ma": -0.22062118,
    "return_3y": 0.24834515,
    "return_5y": 0.35940398,
    "max_drawdown": -0.4870587,
    "scores": {
      "dividend_reliability": 23.4,
      "dividend_sustainability": 7.0,
      "business_quality": 22.5,
      "valuation": 13.0,
      "trend": 8.5,
      "total": 74.4,
      "confidence": 100.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 5.98."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/",
      "chart": "https://sharemaestro.com/terminal/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 23.4,
    "dividend_sustainability": 7.0,
    "business_quality": 22.5,
    "valuation": 13.0,
    "trend": 8.5,
    "total": 74.4,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 5.98."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend review warning",
      "detail": "Debt to equity is elevated at 5.98.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2026-05-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2026-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2025-11-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2025-08-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2025-05-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2025-02-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2024-11-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2024-08-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "Dividend increased 50.0%",
      "detail": "Payment changed from 0.2 to 0.3.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2024-08-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.3 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.3,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2024-05-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2024-02-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2023-11-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2023-08-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "PFSI dividend payment 0.2 USD",
      "detail": "Recorded dividend payment for PennyMac Finl Svcs Inc.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2021-02-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "Dividend increased 33.3%",
      "detail": "Payment changed from 0.15 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2020-08-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "Dividend increased 25.0%",
      "detail": "Payment changed from 0.12 to 0.15.",
      "amount": 0.15,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    },
    {
      "event_date": "2019-11-14",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "PFSI",
      "exchange": "NYSE",
      "headline": "Dividend cut -70.0%",
      "detail": "Payment changed from 0.4 to 0.12.",
      "amount": 0.12,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8ff14450-e3a1-4c6d-9d24-7877aec9d28f/"
    }
  ]
}