PennyMac Q4 net income $106.8M ($1.97 EPS); full-year profit up 61% to $501.1M

PennyMac Financial Services, Inc.

2025-FY EPS reported $9.30 revenue$20,108,000

Q4 net income $106.8M ($1.97 diluted EPS) on total net revenues $538.0M; pretax income $134.4M vs $236.4M prior quarter.
Production segment pretax $127.3M (+4% QoQ); total loan acquisitions $42.2B UPB (+16% QoQ, +18% YoY).
Servicing segment pretax $37.3M vs $157.4M prior quarter; servicing portfolio $733.6B UPB (+10% YoY).
Full-year 2025 net income $501.1M vs $311.4M in 2024; pretax $551.4M vs $401.0M.
Dividend $0.30/share payable Feb 26, 2026; book value per share $82.77 vs $81.12 at Sept 30, 2025.

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