• PennyMac Financial Services average return on investment for 2023 was 2.46, a 60.7% decline from 2022.
• PennyMac Financial Services average return on investment for 2022 was 6.26, a 39.98% decline from 2021.
• PennyMac Financial Services average return on investment for 2021 was 10.43, a 27.47% decline from 2020.

Roi - return on investment can be defined as an indicator of how profitable a company is relative to its assets invested by shareholders and long-term bond holders. Calculated by dividing a company's operating earnings by its long-term debt and shareholders equity.