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.
PFSI Q4 FY2025 Key Financial Metrics
Revenue
$538.0M
Gross Profit
N/A
Operating Profit
$134.4M
Net Profit
$106.8M
Gross Margin
N/A
Operating Margin
25.0%
Net Margin
1752.5%
YoY Growth
14.4%
EPS
$1.97
PennyMac Financial Services, Inc. Q4 FY2025 Financial Summary
PennyMac Financial Services, Inc. reported revenue of $538.0M (up 14.4% YoY) for Q4 FY2025, with a net profit of $106.8M (up 2.2% YoY) (1752.5% margin).
Key Financial Metrics
| Total Revenue | $538.0M |
|---|---|
| Net Profit | $106.8M |
| Gross Margin | N/A |
| Operating Margin | 25.0% |
| Report Period | Q4 FY2025 |
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).
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 |