Education
About Us
Working with TipRanks
Follow Us
PennyMac Financial Services (PFSI)
:PFSI
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
3.03Last Year’s EPS
1.85Same Quarter Last Year
Strong Buy
Based on 7 Analysts Ratings
---
Earnings Call Summary
Earnings Call Date:Apr 22, 2025
|% Change Since: 1.77%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Neutral
The earnings call presents a mixed picture. On the positive side, there is strong growth in the servicing portfolio, significant strategic partnerships, and improvements in technology and operational efficiency. However, these are counterbalanced by declines in the Production segment, a decrease in MSR fair value, elevated hedge costs, and tightened margins due to increased competition. The company remains optimistic about its ability to navigate the current economic landscape and continue its strategic growth.Company Guidance
During the first quarter of 2025 earnings call for PennyMac Financial Services Inc., the company reported a net income of $76 million, translating to diluted earnings per share of $1.42 and an annualized return on equity (ROE) of 8%. Excluding fair value changes, the annualized operating ROE was 15%. The company's servicing portfolio grew to $680 billion in unpaid principal balance (UPB), servicing 2.7 million households. Loan originations and acquisitions totaled $29 billion in UPB. The company announced a strategic four-year partnership with Team USA and the LA28 Olympic and Paralympic Games, which is expected to enhance brand engagement and customer acquisition. PennyMac maintained its position as the second-largest producer of mortgage loans and the sixth-largest servicer in the country, with total acquisition and origination volumes of $29 billion, including $26 billion for its account and $3 billion as fee-based fulfillment for PennyMac Mortgage Investment Trust (PMT). The company highlighted its strong performance in the servicing segment, with a pretax income of $76 million, and operating expenses reaching an all-time quarterly low. Additionally, PFSI's robust hedging strategy and technology investments were emphasized as key components for navigating the volatile interest rate environment.Strong Servicing Portfolio Growth
Servicing portfolio reached $680 billion in unpaid principal balance with 2.7 million households, demonstrating sustained growth despite high mortgage rates.
Strategic Partnership with Team USA
Announced a four-year partnership with Team USA and the LA28 Olympic and Paralympic Games to enhance brand visibility and customer engagement.
Technology and Efficiency Improvements
Significant investments in technology and AI have led to improved efficiency and reduced costs, such as a 45,000-hour annualized savings from servicing customer interaction systems.
Resilient Financial Model
Operating returns on equity in the mid-teens during periods of higher rates, with the potential for increased returns when mortgage rates decline.
Subservicing Market Expansion
Signed first three clients and actively engaged with 20 additional prospects, representing approximately $65 billion in UPB.
---
PFSI Earnings History
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 |
|---|---|---|---|
| Apr 22, 2025 | $96.40 | $93.74 | -2.76% |
| Jan 30, 2025 | $114.48 | $104.38 | -8.82% |
| Oct 22, 2024 | $103.03 | $99.43 | -3.49% |
| Jul 23, 2024 | $99.49 | $95.70 | -3.81% |
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 Services (PFSI) report earnings?
PennyMac Financial Services (PFSI) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is PennyMac Financial Services (PFSI) earnings time?
PennyMac Financial Services (PFSI) earnings time is at Jul 30, 2025, TBA Not 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 (Q2) is 3.03.
---