PennyMac Financial Services, Inc.PFSIEarnings & Financial Report
PennyMac Financial Services, Inc. is an American residential mortgage company headquartered in Westlake Village, California. The company's business focuses on the production and servicing of U.S. mortgage loans and the management of investments related to the U.S. mortgage market. Pennymac operates through two subsidiaries: PennyMac Loan Services, LLC and PNMAC Capital Management, LLC. The latter manages the PennyMac Mortgage Investment Trust, a mortgage REIT.
Revenue
$411.8M
Gross Profit
N/A
Operating Profit
$93.9M
Net Profit
$69.4M
Gross Margin
N/A
Operating Margin
22.8%
Net Margin
16.8%
YoY Growth
2.9%
EPS
$1.30
PennyMac Financial Services, Inc. Q3 FY2024 Financial Summary
PennyMac Financial Services, Inc. reported revenue of $411.8M (up 2.9% YoY) for Q3 FY2024, with a net profit of $69.4M (down 25.3% YoY) (16.8% margin).
Key Financial Metrics
| Total Revenue | $411.8M |
|---|---|
| Net Profit | $69.4M |
| Gross Margin | N/A |
| Operating Margin | 22.8% |
| Report Period | Q3 FY2024 |
PennyMac Financial Services, Inc. Annual Revenue by Year
PennyMac Financial Services, Inc. annual revenue history includes year-by-year totals (for example, 2025 revenue was $2.0B).
| Year | Annual Revenue |
|---|---|
| 2025 | $2.0B |
| 2024 | $1.6B |
| 2023 | $13.4M |
| 2022 | $12.4M |
PennyMac Financial Services, Inc. Quarterly Revenue & Net Profit History
PennyMac Financial Services, Inc. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $538.0M | +14.4% | $106.8M | 1752.5% |
| Q3 FY2025 | $632.9M | +53.7% | $181.5M | 28.7% |
| Q2 FY2025 | $444.7M | +9.5% | $136.5M | 30.7% |
| Q1 FY2025 | $430.9M | +41.0% | $76.3M | 17.7% |
| Q4 FY2024 | $470.1M | +29.9% | $104.5M | 2559.8% |
| Q3 FY2024 | $411.8M | +2.9% | $69.4M | 16.8% |
| Q2 FY2024 | $406.1M | +20.7% | $98.3M | 24.2% |
| Q1 FY2024 | $305.7M | +0.9% | $39.3M | 12.9% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $305.7M | $406.1M | $411.8M | $470.1M | $430.9M | $444.7M | $632.9M | $538.0M |
| YoY Growth | 0.9% | 20.7% | 2.9% | 29.9% | 41.0% | 9.5% | 53.7% | 14.4% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $19.80B | $21.58B | $22.87B | $26.09B | $23.87B | $24.22B | $25.40B | $29.39B |
| Liabilities | $16.23B | $17.92B | $19.13B | $22.26B | $19.97B | $20.19B | $21.19B | $25.08B |
| Equity | $3.57B | $3.66B | $3.74B | $3.83B | $3.90B | $4.03B | $4.21B | $4.31B |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $-897.9M | $-1.09B | $-393.7M | $-4.53B | $1.07B | $-131.3M | $-697.4M | $-1.65B |