Skip to main content
Equibles
PFSI logo

PFSI · PennyMac Financial Services, Inc.

Track PFSI — free

Use PFSI with AI

Ask our own analyst here, or connect this data to the AI you already use.

Ask ALVIS about PFSI

Free, nothing to set up — ALVIS runs on the same tools and cites every figure.

or use your own AI

The free Equibles MCP server lets any client query SEC filings, earnings calls, KPIs, holdings and prices directly — read-only, OAuth-secured, cited to the filing.

ChatGPT Claude Gemini
Server URL
https://mcp.equibles.com/mcp
All connection guides →
$78.03 -1.45 (-1.82%) At close · Aug 14
Market Cap
$4.00B
Shares
51.95M

PennyMac Financial Services, Inc. Earnings Call Transcripts

Every quarterly earnings call for PennyMac Financial Services, Inc. (PFSI) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▼39.5% $476.29M $135.13M '22 Q3 22-10-27 ▼50.9% $340.45M $37.62M '22 Q4 23-02-02 ▼53.9% $302.86M $30.38M '23 Q1 23-04-27 ▼34.2% $336.55M $58.25M '23 Q2 23-07-27 ▼16% $400.31M $92.87M '23 Q3 23-10-26 ▲6.3% $361.94M −$36.84M '23 Q4 24-02-01 ▲0.9% $305.66M $39.31M '24 Q1 24-04-24 ▲20.7% $406.13M $98.26M '24 Q2 24-07-23 ▲2.9% $411.83M $69.37M '24 Q3 24-10-22 ▲29.9% $470.11M $104.49M '24 Q4 25-01-30 ▲41% $430.90M $76.28M '25 Q1 25-04-22 ▲9.5% $444.73M $136.46M '25 Q2 25-07-22 ▲53.7% $632.90M $181.50M '25 Q3 25-10-21 ▲14.4% $538.00M $106.83M '25 Q4 26-01-29 ▲26.5% $544.98M $82.32M '26 Q1 26-05-05 LATEST ▲11.7% $496.96M $21.73M '26 Q2 26-07-29
Earnings call
FY26 · Q2
2026-07-29
PennyMac Financial Services, Inc. Q2 FY2026 Earnings Call
Positive tone Refinance recapture momentum Technology and AI transformation CENLAR subservicing acquisition
Revenue
$496.96M
▲ 11.7% YoY
Diluted EPS
$0.41
▼ 83.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
PennyMac Financial Services, Inc. Q1 FY2026 Earnings Call
Confident tone Production segment performance and channel strategy Consumer direct channel and Vesta platform Servicing segment scale and costs
Revenue
$544.98M
▲ 26.5% YoY
Diluted EPS
$1.53
▲ 7.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-29
PennyMac Financial Services, Inc. Q4 FY2025 Earnings Call
Positive tone Vesta loan origination system and technology platform MSR portfolio runoff and prepayment speeds Production segment performance and competitive dynamics
Revenue
$538.00M*
▲ 14.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-21
PennyMac Financial Services, Inc. Q3 FY2025 Earnings Call
Confident tone Consumer direct / recapture opportunity Correspondent lending leadership Organic growth versus industry consolidation
Revenue
$632.90M
▲ 53.7% YoY
Diluted EPS
$3.37
▲ 159.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-22
PennyMac Financial Services, Inc. Q2 FY2025 Earnings Call
Confident tone Capital, leverage, and hedging strategy Consumer direct recapture opportunity Broker direct growth ambitions
Revenue
$444.73M
▲ 9.5% YoY
Diluted EPS
$2.54
▲ 37.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-22
PennyMac Financial Services, Inc. Q1 FY2025 Earnings Call
Positive tone Servicing Portfolio Growth and Performance Delinquency Risk / EBO Income Refinance Recapture Opportunity
Revenue
$430.90M
▲ 41% YoY
Diluted EPS
$1.42
▲ 91.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
PennyMac Financial Services, Inc. Q4 FY2024 Earnings Call
Confident tone Production segment performance and volumes Servicing business as anchor Mortgage rate environment and market outlook
Revenue
$470.11M*
▲ 29.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-22
PennyMac Financial Services, Inc. Q3 FY2024 Earnings Call
Confident tone Production segment growth and channels Mortgage rates and origination market outlook Servicing portfolio scale
Revenue
$411.83M
▲ 2.9% YoY
Diluted EPS
$1.30
▼ 26.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-23
PennyMac Financial Services, Inc. Q2 FY2024 Earnings Call
Revenue
$406.13M
▲ 20.7% YoY
Diluted EPS
$1.85
▲ 66.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-24
PennyMac Financial Services, Inc. Q1 FY2024 Earnings Call
Confident tone SSE servicing technology platform and commercialization MSR fair value and hedging Production segment and channels
Revenue
$305.66M
▲ 0.9% YoY
Diluted EPS
$0.74
▲ 29.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-02-01
PennyMac Financial Services, Inc. Q4 FY2023 Earnings Call
Confident tone Servicing portfolio growth Market share gains in production channels Mortgage rates and refinance opportunity
Revenue
$361.94M*
▲ 6.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-26
PennyMac Financial Services, Inc. Q3 FY2023 Earnings Call
Revenue
$400.31M
▼ 16% YoY
Diluted EPS
$1.77
▼ 28% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-27
PennyMac Financial Services, Inc. Q2 FY2023 Earnings Call
Revenue
$336.55M
▼ 34.2% YoY
Diluted EPS
$1.11
▼ 51.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
PennyMac Financial Services, Inc. Q1 FY2023 Earnings Call
Revenue
$302.86M
▼ 53.9% YoY
Diluted EPS
$0.57
▼ 80.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-02-02
PennyMac Financial Services, Inc. Q4 FY2022 Earnings Call
Revenue
$340.45M*
▼ 50.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-27
PennyMac Financial Services, Inc. Q3 FY2022 Earnings Call
Revenue
$476.29M
▼ 39.5% YoY
Diluted EPS
$2.46
▼ 35.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-08-02
PennyMac Financial Services, Inc. Q2 FY2022 Earnings Call
Revenue
$511.51M
▼ 31.1% YoY
Diluted EPS
$2.28
▼ 22.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-05-05
PennyMac Financial Services, Inc. Q1 FY2022 Earnings Call
Revenue
$657.50M
▼ 30.4% YoY
Diluted EPS
$2.94
▼ 42.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-02-03
PennyMac Financial Services, Inc. Q4 FY2021 Earnings Call
Revenue
$693.81M*
▼ 33.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-11-04
PennyMac Financial Services, Inc. Q3 FY2021 Earnings Call
Revenue
$786.61M
▼ 29.8% YoY
Diluted EPS
$3.80
▼ 45.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-08-05
PennyMac Financial Services, Inc. Q2 FY2021 Earnings Call
Revenue
$742.25M
▼ 9.7% YoY
Diluted EPS
$2.94
▼ 33% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-05-06
PennyMac Financial Services, Inc. Q1 FY2021 Earnings Call
Revenue
$944.69M
▲ 30.9% YoY
Diluted EPS
$5.15
▲ 38.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-02-04
PennyMac Financial Services, Inc. Q4 FY2020 Earnings Call
Revenue
$1.04B*
▲ 112.5% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-11-05
PennyMac Financial Services, Inc. Q3 FY2020 Earnings Call
Revenue
$1.12B
▲ 156.7% YoY
Diluted EPS
$7.03
▲ 365.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-08-06
PennyMac Financial Services, Inc. Q2 FY2020 Earnings Call
Revenue
$821.63M
▲ 171.2% YoY
Diluted EPS
$4.39
▲ 377.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-05-07
PennyMac Financial Services, Inc. Q1 FY2020 Earnings Call
Revenue
$721.83M
▲ 191.4% YoY
Diluted EPS
$3.73
▲ 543.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-02-06
PennyMac Financial Services, Inc. Q4 FY2019 Earnings Call
Revenue
$490.38M
▲ 95.2% YoY
Diluted EPS
$1.88
▲ 198.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Showing 1–27 of 27 earnings calls
Key facts CIK 1745916 CUSIP 70932M107 13F (30d) 227 filings 223 filers Visit website Investor relations

Report a Problem

Category
Description
Email (optional, for follow-up)