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PFSI · PennyMac Financial Services, Inc. · Earnings Call Transcripts & Audio

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$61.72 -1.89 (-2.97%) At close · Sep 30
Russell 2000 member Rebalance outlook locked
Market Cap
$3.40B
Shares
51.95M
Volume · Sep 30 625.95K Avg daily vol (3M) 573.4K

PennyMac Financial Services, Inc. Earnings Call Transcripts

Quarterly earnings calls for PennyMac Financial Services, Inc. (PFSI), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Pull transcripts and briefs through the earnings call transcript API or MCP →

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. (PFSI) Q2 2026 Earnings Call Transcript
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. (PFSI) Q1 2026 Earnings Call Transcript
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. (PFSI) Q4 2025 Earnings Call Transcript
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. (PFSI) Q3 2025 Earnings Call Transcript
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. (PFSI) Q2 2025 Earnings Call Transcript
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. (PFSI) Q1 2025 Earnings Call Transcript
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. (PFSI) Q4 2024 Earnings Call Transcript
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. (PFSI) Q3 2024 Earnings Call Transcript
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. (PFSI) Q2 2024 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. (PFSI) Q1 2024 Earnings Call Transcript
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. (PFSI) Q4 2023 Earnings Call Transcript
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. (PFSI) Q3 2023 Earnings Call Transcript
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. (PFSI) Q2 2023 Earnings Call Transcript
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. (PFSI) Q1 2023 Earnings Call Transcript
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. (PFSI) Q4 2022 Earnings Call Transcript
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. (PFSI) Q3 2022 Earnings Call Transcript
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. (PFSI) Q2 2022 Earnings Call Transcript
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. (PFSI) Q1 2022 Earnings Call Transcript
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. (PFSI) Q4 2021 Earnings Call Transcript
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. (PFSI) Q3 2021 Earnings Call Transcript
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. (PFSI) Q2 2021 Earnings Call Transcript
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. (PFSI) Q1 2021 Earnings Call Transcript
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. (PFSI) Q4 2020 Earnings Call Transcript
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. (PFSI) Q3 2020 Earnings Call Transcript
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. (PFSI) Q2 2020 Earnings Call Transcript
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. (PFSI) Q1 2020 Earnings Call Transcript
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. (PFSI) Q4 2019 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) 7 filings 7 filers Visit website Investor relations