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PennyMac Financial Services, Inc. PFSI Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$538.0MMiss by $94.6MDiluted EPS$1.97Miss by $1.26
Revenue estimate$632.6M
EPS estimate$3.23

Next report

Jul 29, 2026 (In 1 week)
Revenue estimate$581.7M
EPS estimate$2.25

Financials

Q4 2025

Income statement

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Revenue$538.0M+14.4%
Net income$106.8M+2.2%
EPS (diluted)$1.960.0%

Balance sheet

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Cash & equivalents$301.7M+26.5%
Total debt$75.1M+55.0%
Total assets$29.4B+12.7%

Cash flow

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Operating cash flow-$1.9B+12.1%
CapEx$8.2M+3,194%
Free cash flow-$1.9B+11.7%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$6.85B+30.9%
Enterprise value$6.62B+31.3%
P/E13.7×-3.1×
P/S3.3×+0.1×

Profitability

See full
Net margin24.5%+4.9pp

Versus estimates

Revenue

Q1 2026$545.0MMiss by $1.2M
Q4 2025$538.0MMiss by $94.6M
Q4 2024$470.1MMiss by $54.1MQ1 2024$885.4MBeat by $453.0M

Diluted EPS

Q1 2026$2.19Miss by $0.03
Q4 2025$1.97Miss by $1.26
Q4 2024$2.88Miss by $0.21Q1 2024$2.48Beat by $0.14

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Questions, answered.

When did PennyMac Financial Services, Inc. report Q4 2025 earnings?
PennyMac Financial Services, Inc. (PFSI) reported Q4 2025 earnings on January 29, 2026 after market close.
What were PennyMac Financial Services, Inc.'s Q4 2025 revenue and EPS?
PennyMac Financial Services, Inc. reported revenue of $538.0M and diluted EPS of $1.97 for Q4 2025.
Did PennyMac Financial Services, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $632.6M by $94.6M. EPS missed the consensus estimate of $3.23 by $1.26.
How did PennyMac Financial Services, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.4% from $470.1M a year earlier and diluted EPS declined 31.6% from $2.88.
Where can I find PennyMac Financial Services, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001104659-26-008004) and the 10-K periodic report (0001104659-26-018142) directly on SEC EDGAR. The filing index links above go to sec.gov.