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PFSI · PennyMac Financial Services, Inc.

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$60.61 -0.12 (-0.20%) At close · Nov 13
Russell 2000 member Rebalance outlook locked
Market Cap
$3.15B
Shares
51.96M
Volume · Nov 13 368.44K Avg daily vol (3M) 580.59K

Price & Indicators

Drag to pan · scroll to zoom
Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$60.61 Open$60.80 Day$59.76–62.20 52W close$57.75–159.46 Avg vol 30d631K Short int3.8M · 7.3% of shares · 6.3d Short vol69% Last earningsOct 29, 2026 DataJan 2020–Nov 2026 Filing10-Q · Nov 3

Up next

Next earnings call
Jan 28, 2027 Est · unconfirmed · in 11 wks
Q3 2026 earnings call transcript
call held Oct 29, 2026
Play latest call

Latest documents

2026
Nov 3
Quarterly report 10-Q FY2026 Q3, ended Sep 30
Pretax income fell $193.8 million; MSR sale agreed

PFSI reported quarterly pretax income fell $193.8 million. On October 20, 2026, it agreed to sell conventional MSRs with an aggregate UPB of approximately $28.9 billion.

Revenue $468.78M ▼ 25.9% Net income $28.65M ▼ 84.2% Diluted EPS $0.54 ▼ 84.0%
Read from the MD&A section
3 source passages
Unless the context indicates otherwise, references in this Quarterly Report on Form 10-Q to the words “we,” “us,” “our” and the “Company” refer to PFSI and its subsidiaries. For the quarter ended September 30, 2026, income before income taxes decreased $193.8 million compared to the same quarter in 2025. On October 20, 2026, we entered into an agreement to sell a portfolio of conventional MSRs with an aggregate UPB of approximately $28.9 billion. Open the document at this passage
Oct 29
Earnings call
Net income $29 million; $29 billion MSR sale planned

PennyMac Financial Services reported third-quarter net income of $29 million and $0.54 diluted EPS, while agreeing to sell $29 billion UPB of MSRs for approximately $490 million in proceeds aimed at debt repayment.

2 source passages
PennyMac Financial generated $29 million of net income, or $0.54 in diluted earnings per share, representing a 3% annualized return on equity. And after quarter end, we entered into an agreement to sell $29 billion UPB of low-coupon MSRs with an expected close in the fourth quarter. Net proceeds of approximately $490 million will primarily be used to pay down outstanding debt, lowering financing costs. Open the document at this passage
All documents

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$2.05B
Trailing 12 months
Net income (TTM)
$239.53M
Trailing 12 months
Revenue growth YoY
-25.9%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
13.6
Trailing earnings · reciprocal yield 7.3%
FCF yield
-8.0%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$5.90B
Latest balance sheet
Dividend yield
2.0%
Trailing 12 months
Shares change YoY
-1.4%
Year over year · fewer shares
Price change (1Y)
-52.3%
Trailing year
Short interest
7.3%
Latest settlement · 6.3 days to cover
View all 125 metrics

Quarterly results

Revenue Net income Net loss
▲29.9% $470.11M $104.49M '24 Q4* ▲41% $430.90M $76.28M '25 Q1 ▲9.5% $444.73M $136.46M '25 Q2 ▲53.7% $632.90M $181.50M '25 Q3 ▲14.4% $538.00M $106.83M '25 Q4* ▲26.5% $544.98M $82.32M '26 Q1 ▲11.7% $496.96M $21.73M '26 Q2 LATEST ▼25.9% $468.77M $28.65M '26 Q3

* Q4 derived as the full year minus Q1 to Q3.

AI Brief

Q3 FY26 earnings call · Oct 29, 2026
Q3 FY26

TL;DR. PennyMac reported better GAAP net income but weaker adjusted earnings and ROE as a severe origination contraction drove a production pretax loss, while servicing remained profitable. The company is cutting annual expenses by $160 million, expects low-double-digit ROE by Q1 2027 at current market levels, plans to use MSR-sale proceeds to reduce debt and repurchase shares, and sees the pending Cenlar acquisition and strong recapture rates as strategic growth opportunities, although fourth-quarter adjusted ROE is expected to remain near current levels and liquidity and non-funding leverage weakened.

Bullish
  • + GAAP net income increased 32% sequentially to $29 million from $22 million. new
  • + Servicing pretax income excluding MSR fair-value changes net of hedges rose 34% to $132 million from $99 million. new
  • + Approximately $490 million from the planned $29 billion UPB MSR sale will reduce higher-cost debt and fund share repurchases at a discount to book value. new
  • + AI automation is permanently lowering production costs and is positioned to provide operating leverage when origination volumes recover. new
  • + Expense reductions are expected to reach $160 million annually by Q1 2027 and support low-double-digit ROE at current market levels. new
Bearish
  • − Adjusted net income fell 25% sequentially to $56 million, adjusted EPS fell 25% to $1.05, and adjusted ROE declined to 5% from 7%. new
  • − The production segment swung to a $7 million pretax loss from $38 million of pretax income in the prior quarter. new
  • − Higher mortgage rates sharply reduced origination demand, with industry rate-and-term agency deliveries down approximately 80% from the first quarter. new

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Strong Sell Momentum Very Weak Sentiment Neutral Fundamentals Strong Quant / Vol Very High
Market backdrop VIX 19.3 · elevated Equity put/call 0.63
Technical
price trend
Strong Sell
50 / 200-day cross No cross
Price vs 200-day avg −24%
below
Price vs 50-day avg −5%
below
RSI (14) 41
neutral
MACD trend Negative
52-week position 3%
near low
Momentum
relative strength
Very Weak
1-month return 0%
trailing
6-month return −30%
trailing
YTD return −54%
this year
Relative strength −30%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $64 › 200d $80 — 200d above 50d
Institutional flow Accumulating
190 of 235 funds reported for Sep 30 · net +1.3M sh shares · +28 new
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
7.33% of shares out · ▲ +3.1% MoM · 6.3 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
235 holders — mid 3-yr range
Squeeze score 69
elevated · 0–100
Fundamentals
Strong
Revenue growth +3%
Y/Y
EPS growth +59%
Y/Y
Free cash flow $-1.7B
Valuation P/E 13.6
below peers
Buyback $2.0B
authorized
Balance sheet $5.9B
net debt
Quant / Vol
risk profile
Very High
Volatility 47%
annualized · 1-yr
Max drawdown −64%
past year
ATR 4.1%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Latest guidance · from the 8-K filed Oct 29, 2026
first quarter of 2027
Annualized operating expenses $160M
fourth quarter
Proceeds $490M
from 2Q26 to 1Q27
Annual expenses $160M
Previous outlook earlier release · from the 8-K filed Jul 29, 2026

Still-open targets the latest release did not restate under the same label.

Reduction in processing costs per loan · from June to September at least 20%
Prior guidance period ended · from the Earnings Call filed Jul 29, 2026
Reduction in processing costs to produce a loan · by the end of the third quarter at least 20%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Strong Sell
4 · 2 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−24% Bearish
Price vs 50-day avg
−5% Bearish
RSI (14)
41 Neutral
MACD trend
Negative Bearish
52-week position
3% Bearish
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $64 › 200d $80 — 200d above 50d
Institutional flow Accumulating
190 of 235 funds reported for Sep 30 · net +1.3M sh shares · +28 new
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
7.33% of shares out · ▲ +3.1% MoM · 6.3 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
235 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $58 Now $61 · 3% Range high $159
vs 200-day avg -24% vs 50-day avg -5%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings
Metric Latest Period YoY
Adjusted EBITDA non-GAAP 203.79M the quarter ended June 30, 2026 filing —
GAAP → non-GAAP reconciliation
GAAP Net income 21.73M
+9.8M Provision for (benefit from) income taxes
+14.42M Depreciation and amortization
+1.7M Principal-only stripped MBS valuation-related accretion changes
-118.31M (Increase) decrease in fair value of MSRs net of MSLs due to changes in valuation inputs used in valuation models
+185.58M Hedging losses associated with MSRs
-8.51M Valuation gains relating to investment in closely held entities
+8.38M Provision for (reversal of) losses on active loans
+4.46M Stock-based compensation
+83.33M Interest expense on corporate debt
+1.2M Cenlar acquisition related expenses
= Adjusted EBITDA 203.79M
Annual total prepayment speed (weighted average) 7.8% the quarter ended June 30, 2026 filing —
Annualized return on average stockholders' equity 2% the quarter ended June 30, 2026 filing —
Average balance $292.65M the quarter ended June 30, 2026 filing —
Average balance (notes payable secured by mortgage servicing assets) 1.43B the quarter ended June 30, 2026 filing —
Average balance (unsecured senior notes) 4.9B the quarter ended June 30, 2026 filing —
Average balance of assets sold under agreements to repurchase $9.38B the quarter ended June 30, 2026 filing —
Average head count 5,633 the quarter ended June 30, 2026 filing —
Average UPB of loans serviced: MSRs and MSLs $481,276,109 the quarter ended June 30, 2026 filing —
Average UPB of loans serviced: Subservicing $235,785,275 the quarter ended June 30, 2026 filing —
Loans repurchased 31.5M the quarter ended June 30, 2026 filing —
MSRs, MSLs and representations and warranties liabilities as a percentage of gains on sales of l 231% the quarter ended June 30, 2026 filing —
Per-loan annual cost of servicing (weighted average) $103 the quarter ended June 30, 2026 filing —
Unpaid principal balance 33.08B the quarter ended June 30, 2026 filing —
Unpaid principal balance of loans originated and purchased by PFSI and fulfilled for PMT 34.89B the quarter ended June 30, 2026 filing —
Weighted average servicing fee rate (in basis points) 35 the quarter ended June 30, 2026 filing —

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Mortgage Finance — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
PFSI
PennyMac Financial Services, Inc.
this stock
$3.15B -54.0% +3.1% 13.6 7.3%
RKT
Rocket Companies, Inc.
 $38.91B -29.2% +31.2% — 5.6%
FNMA
Federal National Mortgage Association Fannie Mae
 $5.22B -58.0% -0.4% 20.5 1.4%
FMCC
Federal Home Loan Mortgage Corp
 $2.55B -61.2% -2.7% 196.5 1.6%
UWMC
UWM Holdings Corp
 $2.02B -71.2% +18.2% — 5.5%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Accumulating
Holders
230
% held
71.3%
Reported
190 of 235
Top holder
MFN Partners Management,…
Held Float
View
Held by Funds
Fund positions
264
View
Short & Settlement
Short Interest Rising
Shares short
3.8M
Days to cover
6.3d
Change
+116.1K sh
View
Short Volume
Short vol %
69%
As of
Nov 13, 2026
Short Total
View
Fails to Deliver
FTD shares
5.3K
Value
$335.0K
As of
Oct 7, 2026
View
Off-Exchange
Off-exchange %
40.2%
Week of
Oct 5, 2026
Off-exch Lit
View
Financials
Financials
Revenue (FY)
$20.1M
Net income (FY)
$501.1M
EPS diluted
$9.30
View
Buybacks
Authorized
$2.0B
View
Filings
SEC Filings
Latest
10-Q
Filed
Nov 3, 2026
This year
17

PFSI reported quarterly pretax income fell $193.8 million. On October 20, 2026, it agreed to sell conventional MSRs with an aggregate UPB of approximately $28.9 billion.

View
Proposed Sales
Value
$263.2K
Shares
3.4K
Filed
Aug 4, 2026
View
Earnings & Events
Webcasts
Last webcast
Oct 29, 2026
View
Investor Relations
Latest news
PennyMac Financial Services, Inc.…
Published
Oct 29, 2026
View

Performance

5D 20D 120D MTD YTD
PFSI -7.6% +0.5% -29.6% -3.7% -54.0%
SPY +2.6% -1.2% +0.5% -0.2% +10.6%
vs SPY -10.2% +1.6% -30.1% -3.5% -64.7%

Capital returns

Latest dividend
$0.30 / share · ex Aug 17, 2026
Declared · upcoming
$0.30 / share · ex Nov 16, 2026
Raised 50%
Paid (TTM)
$1.20 / share · 4 payouts
Dividend yield (TTM, derived)
1.98%
Full dividend history
Buyback program · as of Sep 30, 2026
Authorized
$2.00B
Spent (derived)
—
Remaining
—

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1745916 CUSIP 70932M107 13F (30d) 165 filings 150 filers Visit website Investor relations