PennyMac Financial Services, Inc. (PFSI) Earnings History
Annual and quarterly earnings data from 2011 to 2025
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PFSI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PFSI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 91.4% | 34.6% | 11.5% |
| 2024 | 97.6% | 56.5% | 19.5% |
| 2023 | 41.6% | 17.4% | 7.1% |
| 2022 | 56.3% | 29.7% | 20.5% |
| 2021 | 59.9% | 38.2% | 28.2% |
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PennyMac Financial Services, Inc. (PFSI) Earnings Overview
As of May 6, 2026, PennyMac Financial Services, Inc. (PFSI) reported trailing twelve-month net income of $507M, reflecting +59.2% year-over-year growth. The company earned $9.42 per diluted share over the past four quarters, with a net profit margin of 11.5%.
Looking at the long-term picture, PFSI's 5-year EPS compound annual growth rate (CAGR) stands at -15.0%, signaling declining earnings. The company achieved its highest annual net income of $1.65B in fiscal 2020.
PennyMac Financial Services, Inc. maintains positive profitability with a gross margin of 91.4%, operating margin of 34.6%, and net margin of 11.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including RKT (-$102M net income, 0.5% margin), UWMC ($27M net income, 0.9% margin), GHLD ($126M net income, 8.3% margin), PFSI has outperformed on profitability metrics. Compare PFSI vs RKT →
PFSI Earnings vs Peers
Earnings metrics vs comparable public companies
PFSI Historical Earnings Data (2011–2025)
15 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $501M | +60.9% | $1.51B | $9.30 | 11.5% | 34.6% |
| 2024 | $311M | +115.3% | $901M | $5.84 | 19.5% | 56.5% |
| 2023 | $145M | -69.6% | $354M | $2.74 | 7.1% | 17.4% |
| 2022 | $476M | -52.6% | $689M | $8.50 | 20.5% | 29.7% |
| 2021 | $1.00B | -39.1% | $1.36B | $14.87 | 28.2% | 38.2% |
| 2020 | $1.65B | +319.1% | $2.24B | $20.92 | 41.7% | 56.7% |
| 2019 | $393M | +348.1% | $529M | $4.89 | 23.4% | 31.5% |
| 2018 | $88M | -13.0% | $268M | $2.48 | 7.7% | 23.5% |
| 2017 | $101M | +52.5% | $336M | $1.28 | 9.3% | 31.1% |
| 2016 | $66M | +39.9% | $383M | $2.94 | 6.5% | 37.8% |
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Start ComparisonPFSI — Frequently Asked Questions
Quick answers to the most common questions about buying PFSI stock.
Is PFSI growing earnings?
PFSI EPS is $9.42, with earnings growth accelerating to +59.2%. This exceeds the 5-year CAGR of -15.0%. TTM net income reached $507M.
What are PFSI's profit margins?
PennyMac Financial Services, Inc. net margin is +11.5%, with operating margin at +34.6%. Margins sit within typical range for the sector.
How consistent are PFSI's earnings?
PFSI earnings data spans 2011-2025. The accelerating earnings trend is +59.2% YoY. Historical data enables comparison across business cycles.