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Mar 31, 2021

PennyMac Q1 2021 Earnings Report

PennyMac Financial reported exceptional financial results driven by growth in the consumer direct lending channel and a growing servicing portfolio.

Key Takeaways

PennyMac Financial Services, Inc. reported a net income of $376.9 million, or $5.15 per share on a diluted basis, on revenue of $944.7 million for the first quarter of 2021. The company's servicing portfolio grew to nearly $450 billion, and it repurchased approximately 18 percent of its common shares since the beginning of 2020.

Net income for Q1 2021 was $376.9 million, or $5.15 per share.

Revenue for Q1 2021 reached $944.7 million.

The servicing portfolio grew to nearly $450 billion in unpaid principal balance.

The company originated $10.7 billion through the consumer direct lending channel, a record level.

Total Revenue
$945M
Previous year: $722M
+30.9%
EPS
$5.15
Previous year: $3.73
+38.1%
PMT Assets Under Mgmt
$2.4B
Previous year: $1.8B
+33.3%
Gross Profit
$579M
Previous year: $466M
+24.2%
Cash and Equivalents
$442M
Previous year: $879M
-49.7%
Free Cash Flow
-$1.25B
Previous year: -$731M
+71.0%
Total Assets
$31.3B
Previous year: $10.9B
+187.4%

PennyMac

PennyMac

PennyMac Revenue by Segment

Forward Guidance

For the remainder of 2021, PennyMac Financial projects to achieve a return on equity closer to pre-COVID historical returns.

Revenue & Expenses

Visualization of income flow from segment revenue to net income