PennyMac Q2 net income $22M, EPS $0.41, down 84% YoY; adjusted EPS $1.39; dividend $0.30

PennyMac Financial Services, Inc.

Net income $22M ($0.41 diluted EPS) vs $136M ($2.54) in Q2 2025; adjusted net income $74M ($1.39 adjusted EPS).
Total net revenues $497M, down 9% QoQ; adjusted net revenues $566M, down 4% QoQ.
Annualized ROE 2% vs 14% a year ago; adjusted ROE 7% vs 13%.
Production segment pretax income $38M, down 33% YoY; servicing pretax income $22M, down 60% YoY.
Book value per share $83.49, up 7% YoY; dividend $0.30 per share declared, payable Aug 27.

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