PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026)
PennyMac Financial Services' (PFSI) quarterly EBT Margin came in at 6.34% in Q2 2026, down 1084.0% year-over-year from 0.64% in Q2 2025, and down 66.98% quarter-over-quarter from 19.21% in Q1 2026.
Analysis
PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026) Analysis & Trends
PennyMac Financial Services (PFSI) has reported EBT Margin for 10 consecutive years, with 6.34% the latest figure, recorded in Q2 2026.
- On a quarterly basis, EBT Margin fell 1084.0% year-over-year to 6.34% in Q2 2026; TTM through Jun 2026 was 22.91%, a 7.0% decrease from a year earlier, with the FY2025 full-year figure at 26.94%, up 178.0% from the prior year.
- EBT Margin was 6.34% for Q2 2026 at PennyMac Financial Services, down from 19.21% in the prior quarter.
- Over five years, EBT Margin peaked at 38.95% in Q3 2022 and troughed at 14.98% in Q4 2023.
- A 5-year average of 22.61% and a median of 23.49% in 2025 frame the typical range for EBT Margin.
- Across the five-year window, EBT Margin tumbled 3488 bps in 2023 and jumped 4250 bps in 2024, its largest moves.
- Over 5 years, EBT Margin stood at 19.89% in 2022, then slumped by 175 bps to 14.98% in 2023, then soared by 284 bps to 27.52% in 2024, then decreased by 9 bps to 24.98% in 2025, then sank by 75 bps to 6.34% in 2026.
- The last three EBT Margin figures came in at 6.34% (Q2 2026), 19.21% (Q1 2026), and 24.98% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Federal National Mortgage Association Fannie Mae | 79.20 Bn | 79.20 Bn | - | 66.15% |
| 2 | Rocket Companies | 36.90 Bn | 33.80 Bn | - | 10.09% |
| 3 | Figure Technology Solutions | 8.11 Bn | 6.58 Bn | 196.67 Mn | 36.79% |
| 4 | PennyMac Financial Services | 3.60 Bn | 2.85 Bn | 480.08 Mn | 6.34% |
| 5 | Federal Agricultural Mortgage | 2.42 Bn | 1.38 Bn | - | 65.46% |
| 6 | CNFinance Holdings | 1.37 Bn | 1.37 Bn | - | - |
| 7 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 0.68% |
| 8 | Velocity Financial | 695.59 Mn | -6.76 Bn | - | - |
| 9 | UWM Holdings | 453.97 Mn | -44.44 Mn | - | -53.26% |
| 10 | Onity | 291.17 Mn | 94.87 Mn | - | -5.34% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 6.34% |
| Mar 31, 2026 | 19.21% |
| Dec 31, 2025 | 24.98% |
| Sep 30, 2025 | 37.35% |
| Jun 30, 2025 | 17.19% |
| Mar 31, 2025 | 24.18% |
| Dec 31, 2024 | 27.52% |
| Sep 30, 2024 | 22.81% |
| Jun 30, 2024 | 32.96% |
| Mar 31, 2024 | 14.36% |
| Dec 31, 2023 | -14.98% |
| Sep 30, 2023 | 31.67% |
| Jun 30, 2023 | 21.67% |
| Mar 31, 2023 | 12.60% |
| Dec 31, 2022 | 19.89% |
| Sep 30, 2022 | 38.95% |
| Jun 30, 2022 | 34.71% |
| Mar 31, 2022 | 35.67% |
| Dec 31, 2021 | 33.74% |
| Sep 30, 2021 | 43.17% |