PennyMac Financial Services demonstrated strong financial performance with significant growth in their mortgage portfolio and strategic advancements in AI and technology. However, challenges such as declining operating ROE, high hedge costs, and increased expenses were noted. The positive developments in loan production and market share expansion were balanced by these challenges.

Company Guidance -

Q3 2025

During PennyMac Financial Services' second quarter 2025 earnings call, the company reported a net income of $136 million, translating to diluted earnings per share of $2.54 and an annualized return on equity (ROE) of 14%. Excluding fair value changes and a nonrecurring tax benefit, the operating ROE was 13%. The company highlighted its strong performance amidst a high-interest-rate environment, with expectations of maintaining operating ROEs in the mid- to high teens if interest rates remain between 6.5% to 7.5%. PennyMac's servicing portfolio grew to $700 billion in unpaid principal balance, covering 2.7 million households. The company achieved a 20% market share in correspondent lending with $100 billion in UPB over the past 12 months and aims to increase its broker direct market share to over 10% by 2026. Additionally, PennyMac is intensifying its focus on artificial intelligence to enhance efficiency, having launched or developed over 35 AI tools with an anticipated annual economic benefit of approximately $25 million.

Strong Financial Performance

PFSI reported net income of $136 million or $2.54 in earnings per share, reflecting an annualized return on equity of 14%.

Growing Mortgage Portfolio

The loan servicing portfolio grew to $700 billion in unpaid principal balance, representing 2.7 million households.

Correspondent Lending Market Leadership

PennyMac generated approximately $100 billion in UPB of correspondent production over the last 12 months, achieving a 20% market share in the first half of 2025.

Broker Direct Expansion

Broker direct market share expanded to approximately 5%, with a goal to grow to more than 10% by the end of 2026.

AI and Technology Advancements

Investments in AI have led to more than 35 tools and applications, with a projected annual economic benefit of approximately $25 million.

PennyMac Financial (PFSI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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PFSI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	2.82 / -	1.3	―	―	―
Jul 22, 2025	2025 (Q2)	2.75 / 2.54	1.85	37.30% (+0.69)
Apr 22, 2025	2025 (Q1)	2.63 / 1.42	0.74	91.89% (+0.68)
Jan 30, 2025	2024 (Q4)	3.12 / 1.95	-0.74	363.51% (+2.69)
Oct 22, 2024	2024 (Q3)	2.71 / 1.30	1.77	-26.55% (-0.47)
Jul 23, 2024	2024 (Q2)	2.56 / 1.85	1.11	66.67% (+0.74)
Apr 24, 2024	2024 (Q1)	2.26 / 0.74	0.57	29.82% (+0.17)
Feb 01, 2024	2023 (Q4)	-0.61 / -0.74	0.71	-204.23% (-1.45)
Oct 26, 2023	2023 (Q3)	1.69 / 1.77	2.46	-28.05% (-0.69)
Jul 27, 2023	2023 (Q2)	1.62 / 1.11	2.28	-51.32% (-1.17)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

PFSI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 22, 2025	$103.94	$96.28	-7.37%
Apr 22, 2025	$95.83	$93.18	-2.77%
Jan 30, 2025	$113.80	$103.76	-8.82%
Oct 22, 2024	$102.42	$98.84	-3.50%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does PennyMac Financial (PFSI) report earnings?

PennyMac Financial (PFSI) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is PennyMac Financial (PFSI) earnings time?

PennyMac Financial (PFSI) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is PFSI EPS forecast?

PFSI EPS forecast for the fiscal quarter 2025 (Q3) is 2.82.

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