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PFSI

PennyMac Financial·NYSE
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PFSI fundamentals

PennyMac Financial (PFSI) released its earnings on Jan 29, 2026: revenue was 538.00M (YoY +14.44%), missed estimates; EPS was 1.97 (YoY +1.03%), missed estimates.
Revenue / YoY
538.00M
+14.44%
EPS / YoY
1.97
+1.03%
Report date
Jan 29, 2026
PFSI Earnings Call Summary for Q4,2025
  • Q4 Results: $107M net income, 10% ROE vs. 18% Q3. Full-year net up 61%.
  • Vesta Impact: 50% efficiency, 25% cost savings. 2026 ROE target mid-teens.
  • Risks: 25bps margin compression, 16% prepayment speeds.
  • Liquidity: $4.6B, 100% hedge ratio.
  • 2026 Outlook: $2.3-2.4T origination, 15-25% correspondent share.
EPS
Q3,2017
Q4,undefined
Q1,undefined
Q2,2018
Q3,2018
Q4,undefined
Q1,2019
Q2,2019
Q3,2019
Q4,2019
Q1,2020
Q2,2020
Q3,2020
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
3.734.397.035.975.152.943.82.792.942.282.460.710.571.111.77-0.740.741.851.31.951.422.543.371.97
Forecast
2.93672.88535.33715.91755.74133.28633.42883.54932.37981.14951.22041.07721.06151.61831.6925-0.61022.26312.56412.71513.12362.63242.7462.70223.1036
Surprise
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
+27.01%
+52.15%
+31.72%
+0.89%
-10.30%
-10.54%
+10.83%
-21.39%
+23.54%
+98.35%
+101.57%
-34.09%
-46.30%
-31.41%
+4.58%
-21.27%
-67.30%
-27.85%
-52.12%
-37.57%
-46.06%
-7.50%
+24.71%
-36.53%
Revenue
Q3,2017
Q4,undefined
Q1,undefined
Q2,2018
Q3,2018
Q4,undefined
Q1,2019
Q2,2019
Q3,2019
Q4,2019
Q1,2020
Q2,2020
Q3,2020
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
--------------------721.83M821.63M1.12B1.04B944.69M742.25M786.61M693.81M657.50M511.51M476.29M340.45M293.59M336.55M400.31M361.94M305.66M406.13M411.83M470.11M430.90M444.73M632.90M538.00M
Forecast
--------------------575.78M650.05M959.71M1.04B1.03B795.32M816.05M760.81M624.39M482.36M416.44M348.74M344.36M398.95M401.96M418.49M430.79M469.64M513.12M525.98M531.36M553.79M591.24M632.63M
Surprise
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
+25.37%
+26.40%
+16.70%
+0.61%
-8.41%
-6.67%
-3.61%
-8.81%
+5.30%
+6.05%
+14.37%
-2.38%
-14.74%
-15.64%
-0.41%
-13.51%
-29.05%
-13.52%
-19.74%
-10.62%
-18.90%
-19.69%
+7.05%
-14.96%

Earnings Call