PennyMac Financial Services, Inc. (PFSI) Earnings History
Turnaround15 years of earnings data (2011–2025) · Recovering earnings after a multi-year decline
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PennyMac Financial Services, Inc. (PFSI) Earnings Overview
As of June 21, 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 ($239M net income, -1.0% 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% |
| 2015 | $47M | +28.2% | $279M | $2.17 | 6.1% | 35.9% |
| 2014 | $37M | +155.8% | $223M | $1.73 | 7.0% | 42.3% |
| 2013 | $14M | -87.8% | $182M | $0.82 | 3.6% | 44.9% |
| 2012 | $118M | +705.0% | $118M | $10.65 | 43.3% | 43.3% |
| 2011 | $15M | - | $15M | $1.32 | 19.2% | 19.2% |
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PFSI — Frequently Asked Questions
Quick answers to the most common questions about buying PFSI stock.
What is PFSI earnings per share (EPS)?
PFSI trailing twelve-month (TTM) diluted EPS is $9.42, reflecting +59.2% year-over-year growth. The 5-year EPS CAGR is -15.0%. Complete EPS history from 2011 to 2025 is available in the table on this page.
What is PennyMac Financial Services, Inc.'s net income?
PennyMac Financial Services, Inc. (PFSI) trailing twelve-month net income is $507M as of 2025. Earnings grew +59.2% year-over-year. PennyMac Financial Services, Inc. has been profitable for 15 consecutive years.
Is PFSI profitable?
Yes, PFSI is profitable with a TTM net income of $507M and a net profit margin of +11.5%. PennyMac Financial Services, Inc. has generated profits for 15 consecutive years.
What is PFSI's earnings growth rate?
PFSI compound annual EPS growth rates (CAGR): 1-Year: +59.2%, 3-Year: +3.0%, 5-Year: -15.0%, 10-Year: +15.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2011 to 2025.
What are PFSI's profit margins?
PennyMac Financial Services, Inc. net profit margin is +11.5%, operating margin is +34.6%, and gross margin is +91.4%. Margins are within a typical range for the sector. Return on Equity is +12.3%.
Is PFSI growing earnings?
Yes, PFSI earnings are accelerating — EPS growth of +59.2% exceeds the 5-year CAGR of -15.0%. TTM net income reached $507M. Earnings momentum is strengthening.
What was PFSI's best earnings year?
PennyMac Financial Services, Inc.'s highest annual net income on record is $1.6B, achieved in fiscal year 2020. Earnings history on this page spans 2011 to 2025 and includes all annual and quarterly figures.
What were PFSI's earnings last quarter?
PFSI's most recent reported quarter was Q1 2026. Net income was $82M with diluted EPS of $1.53. For a full breakdown of all quarters, see the quarterly earnings table on this page.