PennyMac Q3 net income $181.5M ($3.37 EPS); ROE 18%; issues $950M in debt

PennyMac Financial Services, Inc.

2025-Q3 EPS reported $7.34 revenue$14,012,000

Pretax income $236.4M, up from $76.4M in Q2 2025 and $93.9M a year ago.
Production segment pretax $122.9M (nearly double Q2); servicing segment pretax $157.4M.
Servicing portfolio reached $716.6B UPB; sold $12B UPB MSR portfolio to Annaly (NLY) while retaining subservicing.
Declared $0.30/share dividend payable Nov 26, 2025; repurchased 50,300 shares at avg $94.19.
Issued $650M unsecured senior notes due 2034 and $300M term notes secured by Ginnie Mae MSR.

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