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Dec 31, 2021

PennyMac Q4 2021 Earnings Report

PennyMac Financial reported net income for Q4 2021, demonstrating the earnings power of its balanced mortgage banking model.

Key Takeaways

PennyMac Financial Services, Inc. reported a net income of $173.1 million for the fourth quarter of 2021, resulting in $2.79 per share on a diluted basis, with revenue reaching $693.8 million. The company's book value per share increased to $60.11. Total production for the year was a record $234 billion, and the servicing portfolio grew to approximately $510 billion.

Net income for Q4 2021 was $173.1 million, or $2.79 per share diluted.

Revenue for Q4 2021 reached $693.8 million.

Book value per share increased to $60.11.

The Board of Directors declared a fourth quarter cash dividend of $0.20 per share.

Total Revenue
$694M
Previous year: $1.04B
-33.4%
EPS
$2.79
Previous year: $5.97
-53.3%
PMT Assets Under Mgmt
$2.4B
Previous year: $2.3B
+4.3%
Gross Profit
$504M
Previous year: $825M
-38.9%
Cash and Equivalents
$340M
Previous year: $1.53B
-77.7%
Free Cash Flow
-$209M
Previous year: -$2.28B
-90.8%
Total Assets
$18.8B
Previous year: $27.2B
-30.9%

PennyMac

PennyMac

PennyMac Revenue by Segment

Forward Guidance

As the market is transitioning to a higher rate environment with elevated levels of competition, PennyMac Financial will remain disciplined, taking advantage of its operational scale, while staying focused on profitability and shareholder returns.