PennyMac Financial Services (PFSI)
Produces and services U.S. residential mortgages across correspondent, broker, and consumer-direct channels.
$65.52
vs last close−1.45 (−2.16%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 557 | 532 | 500 | 715 | 629 | 698 | 1,070 | 932 | 883 | 2,214 | 967 | 972 |
| Cost of revenue | 293 | 317 | 305 | 363 | 390 | 417 | 383 | 449 | 470 | 500 | 504 | 549 |
| Gross profit | 264 | 215 | 195 | 352 | 239 | 281 | 687 | 483 | 413 | 1,714 | 463 | 423 |
| 138 | 102 | 150 | 218 | 145 | 150 | 583 | 407 | 176 | 1,580 | 358 | 391 | |
| 71 | 45 | 52 | 53 | 76 | 75 | 76 | 83 | 94 | 90 | 96 | 97 | |
| Selling & marketing | 5 | 4 | 4 | 5 | 5 | 8 | 9 | 12 | 14 | 10 | 21 | 17 |
| General & administrative | 66 | 41 | 49 | 48 | 71 | 67 | 67 | 70 | 80 | 80 | 75 | 80 |
| Other expenses | 67 | 57 | 98 | 165 | 69 | 75 | 507 | 324 | 83 | 1,490 | 262 | 295 |
| Operating income | 127 | 113 | 45 | 134 | 94 | 131 | 104 | 76 | 237 | 133 | 105 | 32 |
| Other income (expense), net | 0 | −167 | −1 | 0 | 0 | −2 | 0 | 0 | 0 | 1 | 0 | 0 |
| Income before tax | 127 | −54 | 44 | 134 | 94 | 129 | 104 | 76 | 236 | 134 | 105 | 32 |
| Income tax expense | 34 | −17 | 5 | 36 | 25 | 25 | 28 | −60 | 55 | 28 | 22 | 10 |
| Net income from continuing operations | 93 | −37 | 39 | 98 | 69 | 104 | 76 | 136 | 182 | 107 | 82 | 22 |
| Net income | 93 | −37 | 39 | 98 | 69 | 104 | 76 | 136 | 182 | 107 | 82 | 22 |
| EPS, basic | $1.86 | −$0.74 | $0.78 | $1.93 | $1.36 | $2.04 | $1.48 | $2.64 | $3.51 | $2.05 | $1.58 | $0.42 |
| EPS, diluted | $1.77 | −$0.74 | $0.74 | $1.85 | $1.30 | $1.95 | $1.42 | $2.54 | $3.37 | $1.97 | $1.53 | $0.41 |
| Weighted average shares, basic | 50 | 50 | 51 | 51 | 51 | 51 | 52 | 52 | 52 | 52 | 52 | 52 |
| Weighted average shares, diluted | 53 | 50 | 53 | 53 | 53 | 54 | 54 | 54 | 54 | 54 | 54 | 53 |
| EBITDA | 144 | 130 | 62 | 152 | 111 | 148 | 121 | 95 | 253 | 151 | 122 | 50 |
| Depreciation & amortization | 17 | 18 | 18 | 18 | 17 | 17 | 17 | 18 | 16 | 17 | 18 | 19 |
| EBIT | 127 | 113 | 45 | 134 | 94 | 131 | 104 | 76 | 237 | 133 | 105 | 32 |
