PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026)
PennyMac Financial Services' (PFSI) quarterly EBT Margin came in at 19.21% in Q1 2026, down 497.0% year-on-year from 4.84% in Q1 2025, and down 99.13% on a QoQ basis from 2204.81% in Q4 2025.
PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026) Analysis & Trends
PennyMac Financial Services (PFSI) has 10 years of EBT Margin data on file, last reported at 19.21% in Q1 2026.
- On a quarterly basis, EBT Margin fell 497.0% year-over-year to 19.21% in Q1 2026; TTM through Mar 2026 was 46.44%, a 962.0% increase from a year earlier, with the FY2025 full-year figure at 2742.28%, up 124970.0% from the prior year.
- EBT Margin for Q1 2026 stood at 19.21%, down from 2204.81% in the prior quarter.
- Over the last five years, EBT Margin for PFSI reached as high as 6706.69% in Q2 2022 and fell as low as 3.43% in Q4 2022.
- Historically, EBT Margin has averaged 1408.39% across 5 years, with a median of 35.67% in 2022.
- On a YoY basis, EBT Margin climbed as much as 666903 bps in 2022 and fell as far as 2053788 bps in 2022.
- Year by year, EBT Margin stood at 3.43% in 2022, then surged by 54 bps to 5.28% in 2023, then soared by 59876 bps to 3169.13% in 2024, then slumped by 30 bps to 2204.81% in 2025, then sank by 99 bps to 19.21% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 19.21% in Q1 2026, 2204.81% in Q4 2025, and 37.35% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 38.33 Bn | 35.64 Bn | - | 13.60% |
| 2 | Federal National Mortgage Association Fannie Mae | 35.67 Bn | 35.67 Bn | - | 84.74% |
| 3 | Federal Home Loan Mortgage | 18.11 Bn | 13.64 Bn | - | 72.25% |
| 4 | PennyMac Financial Services | 4.41 Bn | 3.76 Bn | 523.89 Mn | 19.21% |
| 5 | CNFinance Holdings | 3.28 Bn | 3.20 Bn | - | - |
| 6 | Walker & Dunlop | 1.64 Bn | 1.44 Bn | - | 8.61% |
| 7 | Velocity Financial | 681.36 Mn | -6.51 Bn | - | -31.11% |
| 8 | UWM Holdings | 540.43 Mn | 116.43 Mn | - | 19.69% |
| 9 | Better Home & Finance Holding | 362.34 Mn | 298.07 Mn | - | -107.20% |
| 10 | Onity | 340.51 Mn | 215.81 Mn | - | 41.36% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 19.21% |
| Dec 31, 2025 | 2,204.81% |
| Sep 30, 2025 | 37.35% |
| Jun 30, 2025 | 1,692.69% |
| Mar 31, 2025 | 24.18% |
| Dec 31, 2024 | 3,169.13% |
| Sep 30, 2024 | 22.81% |
| Jun 30, 2024 | 32.96% |
| Mar 31, 2024 | 14.36% |
| Dec 31, 2023 | 5.28% |
| Sep 30, 2023 | 31.67% |
| Jun 30, 2023 | 2,481.86% |
| Mar 31, 2023 | 1,737.90% |
| Dec 31, 2022 | 3.43% |
| Sep 30, 2022 | 5,722.68% |
| Jun 30, 2022 | 6,706.69% |
| Mar 31, 2022 | 35.67% |
| Dec 31, 2021 | 33.74% |
| Sep 30, 2021 | 26,260.56% |
| Jun 30, 2021 | 37.66% |