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Dec 31, 2025
PennyMac Q4 2025 Earnings Report
PennyMac reported a net income of $106.8 million for the fourth quarter of 2025, with diluted EPS of $1.97.
Key Takeaways
PennyMac Financial Services, Inc. delivered a solid fourth quarter in 2025, with net income of $106.8 million and diluted earnings per share of $1.97. The company's balanced business model contributed to strong financial results for the full year, achieving double-digit earnings growth across both operating segments, driven by significant operational momentum and increased production volumes.
Net income for Q4 2025 was $106.8 million, with diluted EPS of $1.97.
Total net revenues reached $538.0 million in Q4 2025.
Production segment pretax income increased to $127.3 million, up from $78.0 million in Q4 2024.
Servicing portfolio UPB grew to $733.6 billion, a 10% increase from December 31, 2024.
Revenue by Segment
Forward Guidance
PennyMac is uniquely positioned to lead the industry in 2026, leveraging its balanced business model and cutting-edge technology for continued growth and sustained long-term stockholder value.
Positive Outlook
- PennyMac is uniquely positioned to lead the industry in 2026.
- The balanced business model provides a powerful foundation for continued growth.
- Cutting-edge technology supports sustained long-term value for stockholders.
- Focus on continued advancement of strategies to drive value.
- Expect PMT to acquire all non-Agency eligible correspondent production and 15 to 25 percent of total conventional conforming correspondent production in Q1 2026.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- The effective tax rate is expected to be 25.1% in future periods, a slight decrease from 25.2% in recent quarters.
- The report does not detail specific challenges or risks for the upcoming year.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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