PennyMac Financial Q2 2025 Net Income $136.5M, EPS $2.54, Book Value $78.04

PennyMac Financial Services, Inc.

2025-Q2 EPS reported $3.97 revenue$9,434,000

Pretax income $76.4M, down from $104.2M Q1 2025 and $133.9M Q2 2024; includes $60.0M tax benefit from non-recurring $81.6M state apportionment change.
Production segment pretax $57.8M; total loan acquisitions $37.9B UPB, up 31% QoQ; total locks $43.1B UPB, up 26% QoQ.
Servicing segment pretax $54.2M; servicing portfolio $699.7B UPB, up 3% from March 2025; issued $850M 7-year senior notes due May 2032.
Board declared $0.30/share cash dividend payable Aug 22, 2025 to holders of record Aug 13, 2025.
CEO highlighted AI implementation across operations; redeemed $650M notes due Oct 2025 and $500M Ginnie Mae MSR term notes due May 2027.

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