PennyMac Financial Services (PFSI) EBITDA Margin (2017 - 2026)
PennyMac Financial Services' EBITDA Margin was 63.72% in Q2 2026, down 10.65 percentage points from 74.37% a year earlier and down 3.79 percentage points from the prior quarter.
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Analysis
PennyMac Financial Services (PFSI) EBITDA Margin (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, PennyMac Financial Services' EBITDA Margin was 72.03% through Jun 30, 2026, down 4.97 percentage points year-over-year; for FY2025, it came in at 76.54%, down 3.55 percentage points from FY2024.
- EBITDA Margin shows a five-year change of +8.05 percentage points (FY2020 to FY2025).
- In earlier years, EBITDA Margin was 80.09% in FY2024 (+17.69 pp), 62.40% in FY2023 (+10.27 pp), 52.13% in FY2022 (-4.03 pp) and 56.15% in FY2021 (-12.33 pp).
- The Q2 2026 figure marks the lowest quarterly EBITDA Margin since Q4 2023.
- Compared with a year earlier, EBITDA Margin has declined for five straight quarters, with an average year-over-year change of +1.91 percentage points over the last eight quarters.
- The best year-over-year quarter for EBITDA Margin over five years was Q4 2024 (a gain of 42.96 percentage points); the worst was Q4 2021 (a drop of 21.33 percentage points).
- Per Business Quant data, PFSI's EBITDA Margin in the three quarters before Q2 2026 was 67.51% (Q1 2026), 76.25% (Q4 2025) and 78.88% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.90 Bn | 29.58 Bn | - | 28.74% |
| 2 | Orix | 42.96 Bn | 43.46 Bn | - | - |
| 3 | Royalty Pharma | 33.48 Bn | 33.39 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 23.94 Bn | 23.94 Bn | - | - |
| 5 | Affirm Holdings | 23.37 Bn | 17.06 Bn | - | 20.12% |
| 6 | Synchrony Financial | 23.31 Bn | -44.66 Bn | - | 48.60% |
| 7 | Royal Gold | 20.23 Bn | 19.45 Bn | 390.45 Mn | 83.49% |
| 8 | Annaly Capital Management | 15.24 Bn | 6.34 Bn | - | - |
| 9 | Ares Capital | 13.90 Bn | 11.34 Bn | - | - |
| 10 | PennyMac Financial Services | 3.31 Bn | 357.90 Mn | - | 63.72% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 63.72% |
| Mar 31, 2026 | 67.51% |
| Dec 31, 2025 | 76.25% |
| Sep 30, 2025 | 78.88% |
| Jun 30, 2025 | 74.37% |
| Mar 31, 2025 | 75.70% |
| Dec 31, 2024 | 78.98% |
| Sep 30, 2024 | 78.98% |
| Jun 30, 2024 | 87.65% |
| Mar 31, 2024 | 73.22% |
| Dec 31, 2023 | 36.02% |
| Sep 30, 2023 | 74.15% |
| Jun 30, 2023 | 78.68% |
| Mar 31, 2023 | 60.30% |
| Dec 31, 2022 | 53.56% |
| Sep 30, 2022 | 58.35% |
| Jun 30, 2022 | 50.05% |
| Mar 31, 2022 | 48.49% |
| Dec 31, 2021 | 47.69% |
| Sep 30, 2021 | 55.56% |
API Access
PennyMac Financial Services EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=PFSI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "PFSI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=PFSI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();