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PennyMac Financial Services, Inc.

PFSI Finance Finance: Consumer Services
$63.36
▲ +5.1% Today
as of Oct 22, 16:51 ET
Last 30 days -8.13% Sep 14 → Oct 22
$56.85 $60.11 $63.36 $66.61 $69.87 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$60.29
High
$63.65
Low
$59.83
Volume
$944,820
Avg Vol
$604,006
Mkt Cap
$3.2B
P/E (TTM)
11.36
Beta
—
52w High
$160.36
52w Low
$57.52
Div Yield
—
Shares Out
$52M

Recent Press Releases & News last 60 days · 16 items

Oct 22 · 13:00 Zacks
Analysts Estimate PennyMac Mortgage (PMT) to Report a Decline in Earnings: What to Look Out for
Oct 22 · 13:00 Zacks
Earnings Preview: PennyMac Financial (PFSI) Q3 Earnings Expected to Decline
Oct 19 · 22:32 StockStory
Arbor Realty Trust, Franklin BSP Realty Trust, PennyMac Financial Services, Walker & Dunlop, and Ladder Capital Shares Are Falling, What You Need To Know
▸ Show all 16 press releases & news Free account →

PFSI earnings at a glance

The options market is pricing a move of about ±8.0% after the report, a range of roughly $58.30 to $68.42 from today's $63.36. Over its last 6 reports the stock rose the next day 1 time and fell 5, moving ±10.5% on average; after the most recent report on Jul 29, 2026 it moved -11.8%. That means options currently expect less movement than PFSI has typically delivered. PFSI beat the consensus EPS estimate in 1 of its last 6 reported quarters. Implied volatility is currently 68%. The share price of $63.36 sits near its 52-week low.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$58
$160
6% of range
Avg surprise (last 6)
-30.3%
Avg reaction (last 6)
-8.1%
17% positive
Latest IV / EM
68%
EM ±8.0% · $60 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.57$1.27$1.97$2.67$3.37 Actual $0.57Actual $1.11Actual $1.77Actual $0.74Actual $1.85Actual $1.30Actual $1.42Est $2.99Actual $1.02Est $3.01Actual $3.37Est $3.05Actual $1.97Est $3.23Actual $2.19Est $2.22Actual $1.39Est $2.08 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258KMar/2026Jun/2026
Revenue vs Net Income Revenue Net income
$0$48M$95M$143M$191M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Wed Jul 29, 2026Jun/2026 $1.39 $2.08 -33.2% +103.9% -11.8% earnings
Tue May 5, 2026Mar/2026 $2.19 $2.22 -1.4% +54.2% -0.5% earnings
Thu Jan 29, 20268K 2026-01-29 $1.97 $3.23 -39.0% — -33.3% earnings
Tue Oct 21, 2025Sep/2025 $3.37 $3.05 +10.5% — +7.2% earnings
Tue Jul 22, 2025Jun/2025 $1.02 $3.01 -66.1% — -7.4% earnings
Tue Apr 22, 2025Mar/2025 $1.42 $2.99 -52.5% — -2.8% earnings
Mon Sep 30, 2024Sep 2024 $1.30 — — — — financials
Sun Jun 30, 2024Jun 2024 $1.85 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.74 — — — — financials
Sat Sep 30, 2023Sep 2023 $1.77 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.11 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.57 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$19M$6M—$5M$5M$5M—$3M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$22M$82M—$182M$136M$76M—$69M
EPS (diluted)$0.41$1.53—$3.37$2.54$1.42—$1.30

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$214M$220M$302M$622M$162M$211M$238M$146M
Inventory————————
Total current assets————————
Total assets$29.86B$31.94B$29.39B$25.40B$24.22B$23.87B$26.09B$22.87B
Long-term debt$6.33B$6.23B—$6.23B$5.58B$5.78B—$4.93B
Total liabilities$25.52B$27.62B$25.08B$21.19B$20.19B$19.97B$22.26B$19.13B
Total equity$4.34B$4.33B$4.31B$4.21B$4.03B$3.90B—$3.74B

Implied volatility — last 90 days

29%52%76%100%123% Jun 07 — IV 41% · EM ±5.7%Jun 08 — IV 39% · EM ±5.1%Jun 09 — IV 48% · EM ±6.1%Jun 10 — IV 50% · EM ±5.9%Jun 11 — IV 51% · EM ±5.6%Jun 12 — IV 42% · EM ±4.3%Jun 15 — IV 92% · EM ±6.7%Jun 16 — IV 56% · EM ±3.3%Jun 17 — IV 124% · EM ±5.2%Jun 19 — IV 36% · EM ±8.0%Jun 22 — IV 38% · EM ±7.9%Jun 23 — IV 36% · EM ±7.4%Jun 24 — IV 38% · EM ±7.6%Jun 25 — IV 29% · EM ±5.7%Jun 26 — IV 35% · EM ±6.8%Jun 29 — IV 36% · EM ±6.3%Jun 30 — IV 37% · EM ±6.4%Jul 01 — IV 35% · EM ±5.8%Jul 02 — IV 40% · EM ±6.5%Jul 03 — IV 41% · EM ±6.5%Jul 06 — IV 39% · EM ±5.4%Jul 07 — IV 43% · EM ±5.7%Jul 08 — IV 34% · EM ±4.2%Jul 09 — IV 40% · EM ±4.7%Jul 10 — IV 71% · EM ±7.8%Jul 13 — IV 66% · EM ±5.5%Jul 14 — IV 53% · EM ±3.9%Jul 15 — IV 61% · EM ±3.6%Jul 16 — IV 119% · EM ±5.0%Jul 20 — IV 42% · EM ±9.9%Jul 21 — IV 44% · EM ±10.1%Jul 22 — IV 45% · EM ±10.2%Jul 23 — IV 43% · EM ±9.7%Jul 24 — IV 42% · EM ±9.3%Jul 27 — IV 46% · EM ±9.6%Jul 28 — IV 49% · EM ±10.0%Jul 29 — IV 51% · EM ±10.2%Jul 30 — IV 37% · EM ±7.2%Jul 31 — IV 34% · EM ±6.6%Aug 03 — IV 36% · EM ±6.4%Aug 04 — IV 37% · EM ±6.3%Aug 05 — IV 36% · EM ±6.1%Aug 06 — IV 37% · EM ±5.9%Aug 07 — IV 36% · EM ±5.7%Aug 10 — IV 37% · EM ±5.1%Aug 11 — IV 36% · EM ±4.8%Aug 12 — IV 37% · EM ±4.6%Aug 13 — IV 35% · EM ±4.1%Aug 14 — IV 44% · EM ±4.8%Aug 17 — IV 42% · EM ±3.5%Aug 18 — IV 40% · EM ±2.9%Aug 19 — IV 55% · EM ±3.3%Aug 20 — IV 47% · EM ±1.9%Aug 24 — IV 33% · EM ±7.0%Aug 25 — IV 36% · EM ±7.4%Aug 26 — IV 34% · EM ±6.9%Aug 27 — IV 35% · EM ±6.8%Aug 28 — IV 34% · EM ±6.5%Aug 31 — IV 32% · EM ±5.6%Sep 01 — IV 41% · EM ±7.1%Sep 02 — IV 42% · EM ±7.0%Sep 03 — IV 35% · EM ±5.6%Sep 04 — IV 37% · EM ±5.8%Sep 07 — IV 42% · EM ±5.8%Sep 08 — IV 43% · EM ±5.7%Sep 09 — IV 38% · EM ±4.8%Sep 10 — IV 36% · EM ±4.3%Sep 11 — IV 32% · EM ±3.5%Sep 14 — IV 60% · EM ±5.0%Sep 15 — IV 78% · EM ±5.6%Sep 16 — IV 86% · EM ±5.1%Sep 17 — IV 113% · EM ±4.7%Sep 21 — IV 35% · EM ±7.3%Sep 22 — IV 38% · EM ±7.8%Sep 23 — IV 33% · EM ±6.5%Sep 24 — IV 40% · EM ±7.9%Sep 25 — IV 37% · EM ±7.1%Sep 28 — IV 39% · EM ±7.0%Sep 29 — IV 41% · EM ±7.1%Sep 30 — IV 46% · EM ±7.6%Oct 01 — IV 39% · EM ±6.3%Oct 02 — IV 63% · EM ±9.9%Oct 05 — IV 72% · EM ±9.9%Oct 06 — IV 49% · EM ±6.5%Oct 07 — IV 64% · EM ±8.0%Oct 08 — IV 68% · EM ±8.0%

Sector peers

XXI
Twenty One Capital, Inc.
$3.0B $5.61+0.5%
SII
Sprott Inc.
$3.0B $106.23+0.3%
CLSK
CleanSpark, Inc.
$3.0B $8.15-3.3%
BTDR
Bitdeer Technologies Group
$2.9B $7.28-7.1%
GBDC
Golub Capital BDC, Inc.
$3.5B $12.19+1.6%
GPGI
GPGI, Inc.
$3.7B $12.55-1.6%

PFSI earnings FAQ

What is PFSI's expected move for earnings?

Options currently price a move of about ±8.0%, or $5.06 per share either way from $63.36.

How does PFSI stock usually react to earnings?

Across the last 6 reports the average next-day move was ±10.5%, up 1 times and down 5 times.

What is PFSI's implied volatility?

PFSI's at-the-money implied volatility is about 68% based on the latest options snapshot.

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