PFSI
PennyMac Financial·NYSE
--
--(--)
Market Open: --
--
--(--)
Pre-Market: --
PFSI fundamentals
PennyMac Financial (PFSI) released its earnings on Oct 21, 2025: revenue was 632.90M (YoY +53.68%), beat estimates; EPS was 3.37 (YoY -3.44%), beat estimates.
Revenue / YoY
632.90M
+53.68%
EPS / YoY
3.37
-3.44%
Report date
Oct 21, 2025
PFSI Earnings Call Summary for Q3,2025
- Record Q3 Performance: 18% ROE driven by $123 million production segment profit and $158 million servicing income.
- Strategic MSR Optimization: $12 billion MSR sale to Annaly unlocks capital for higher-coupon MSRs with 28% portfolio above 6% note rate.
- Channel Growth: Broker direct market share near 6%, targeting 10% by 2026; consumer direct origination up 12%.
- Hedging Efficiency: Hedge costs reduced to $4 million (from $54 million), with 85%-90% hedge ratio target.
- Q4 Outlook: 18%-20% ROE range, supported by refinance wave and disciplined capital deployment.
- Cost Optimization: AI-driven servicing cost reductions and 1.5x non-funding debt leverage maintained.
EPS
Revenue
Revenue & Expenses
Key Indicators
PennyMac Financial (PFSI) key financial stats and ratios, covering profitability, financial health, and leverage.
PennyMac Financial (PFSI)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
PennyMac Financial (PFSI)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
PennyMac Financial (PFSI)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
Trend
Breakdown
Where does PennyMac Financial (PFSI) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track PennyMac Financial (PFSI) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What guidance did PennyMac Financial's management provide for the next earnings period?Did PennyMac Financial beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for PennyMac Financial year over year?What does PennyMac Financial do and what are its main business segments?What factors drove the changes in PennyMac Financial's revenue and profit?What were the key takeaways from PennyMac Financial’s earnings call?What is the market's earnings forecast for PennyMac Financial next quarter?What is PennyMac Financial's latest dividend and current dividend yield?
