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Balance Sheet
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Income Overview
Revenue
$496,965K
Net Income
$21,726K
Net Profit Margin
4.37%
EPS
$0.41
Unit: Thousand (K) dollars
Revenue Breakdown
Interest expense
Nonrelated Party
Interest income
Others
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total net revenues
496,965
544,984
430,094*
632,898
Compensation
222,820
216,393
193,634*
205,314
Loan origination
93,855
79,696
44,626*
69,407
Amortization of capitalized software
12,606
11,701
11,295*
11,220
Impairment of capitalized software
1,218
317
-8,402*
4,333
Other
30,618
34,114
29,169*
29,219
Technology
44,442
46,132
32,061*
44,772
Servicing
42,505
38,233
36,540*
29,105
Marketing and advertising
16,881
21,094
6,533*
14,016
Professional services
15,891
14,399
10,186*
10,145
Depreciation
1,816
1,809
1,567*
1,736
Operating lease cost
5,314
4,830
4,983*
3,765
Short-term lease cost
125
100
82*
114
Other
3,443
3,252
3,223*
2,989
Occupancy and equipment
10,698
9,991
9,854*
8,604
Other
18,348
14,355
14,471*
15,161
Total expenses
465,440
440,293
347,901*
396,524
Income before provision for income taxes
31,525
104,691
82,193*
236,374
Provision for income taxes
9,799
22,369
58,065*
54,871
Net income
21,726
82,322
24,128
181,503
Basic EPS
0.42
1.58
0.466
3.51
Diluted EPS
0.41
1.53
0.446
3.37
Basic Average Shares
51,932,000
52,132,000
51,787,000
51,730,000
Diluted Average Shares
53,251,000
53,859,000
54,132,000
53,879,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Non Affiliates
$470,775K
Other Counterparties
$44,518K
Owned servicing
$515,293K
Related Party
$19,640K
Nonrelated Party
$976K
Nonrelated Party
$266,222K
Related Party
$14,097K
Net loan servicing
fees - owned...
$125,205K
Subservicing fees
$20,616K
Loan Originations
Fees
$69,518K
Change in fair value of
mortgage servicing...
$390,088K
Net gains on loans
held for sale at fair...
$280,319K
Net loan servicing
fees
$145,821K
Loan origination
fees
$69,518K
Other
$19,496K
(59.54%↑ Y/Y)
Management fees from
pennymac mortgage...
$6,810K
Fulfillment fees from
pennymac mortgage...
$5,023K
Change in fair value of
mortgage servicing...
$204,507K
Mortgage servicing
rights hedging results
-$185,581K
Loans held for sale
$120,822K
Placement fees relating to
custodial funds
$101,258K
Cash and short-term
investments
$10,993K
Principal-only stripped
mortgage-backed securities
$8,905K
Other
$474K
(-96.12%↓ Y/Y)
Change in fair value of
investment in and dividends...
$2K
Total net revenues
$496,965K
(11.75%↑ Y/Y)
Net interest
expense
-$28,258K
Interest income
$242,452K
Results of real estate
acquired in settlement of...
-$1,766K
Income before
provision for income taxes
$31,525K
(-58.76%↓ Y/Y)
Total expenses
$465,440K
(26.38%↑ Y/Y)
Interest expense
$270,710K
Net income
$21,726K
(-84.08%↓ Y/Y)
Provision for income taxes
$9,799K
(116.33%↑ Y/Y)
Compensation
$222,820K
(18.81%↑ Y/Y)
Loan origination
$93,855K
(36.35%↑ Y/Y)
Technology
$44,442K
(5.17%↑ Y/Y)
Servicing
$42,505K
(50.27%↑ Y/Y)
Other
$18,348K
(50.15%↑ Y/Y)
Marketing and advertising
$16,881K
(36.26%↑ Y/Y)
Professional services
$15,891K
(89.63%↑ Y/Y)
Occupancy and equipment
$10,698K
(27.68%↑ Y/Y)
Assets sold under
agreements to repurchase
$132,070K
Unsecured senior notes
$83,325K
Notes payable secured
by mortgage...
$24,566K
Interest shortfall on
repayments of mortgage...
$23,364K
Mortgage loan
participation purchase and...
$3,847K
Interest on mortgage loan
impound deposits
$2,686K
Other
$852K
(-93.03%↓ Y/Y)
Other
$30,618K
(3.99%↑ Y/Y)
Amortization of capitalized
software
$12,606K
(-1.62%↓ Y/Y)
Impairment of capitalized
software
$1,218K
Operating lease cost
$5,314K
(45.39%↑ Y/Y)
Other
$3,443K
(26.40%↑ Y/Y)
Depreciation
$1,816K
(-5.32%↓ Y/Y)
Short-term lease cost
$125K
(52.44%↑ Y/Y)
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PennyMac Financial Services, Inc. (PFSI)
PennyMac Financial Services, Inc. (PFSI)