PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026)
PennyMac Financial Services (PFSI) reported EBT Margin of 6.34% for Q2 2026, down 10.84 percentage points from 17.19% a year earlier and down 12.87 percentage points from the prior quarter.
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Analysis
PennyMac Financial Services (PFSI) EBT Margin (2017 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, PennyMac Financial Services' EBT Margin came in at 22.91%, down 0.07 percentage points year-over-year; for FY2025, it came in at 26.94%, up 1.78 percentage points from FY2024.
- EBT Margin has a five-year change of -33.52 percentage points (FY2020 to FY2025).
- By year, EBT Margin came in at 25.16% in FY2024 (+12.06 pp), 13.10% in FY2023 (-20.40 pp), 33.50% in FY2022 (-9.41 pp) and 42.91% in FY2021 (-17.55 pp).
- The Q2 2026 figure ranks as the lowest quarterly EBT Margin since Q4 2023.
- Year over year, EBT Margin has now declined in each of the last three quarters, with an average year-over-year change of +2.98 percentage points over the last eight quarters.
- The high point for year-over-year EBT Margin in five years was Q4 2024 (a gain of 42.50 percentage points); the low point was Q4 2023 (a drop of 34.88 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 19.21% (Q1 2026), 24.98% (Q4 2025) and 37.35% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 43.90 Bn | 29.58 Bn | - | 10.09% |
| 2 | Orix | 42.96 Bn | 43.46 Bn | - | 46.33% |
| 3 | Royalty Pharma | 33.48 Bn | 33.39 Bn | - | 12.09% |
| 4 | Federal National Mortgage Association Fannie Mae | 23.94 Bn | 23.94 Bn | - | 66.15% |
| 5 | Affirm Holdings | 23.37 Bn | 17.06 Bn | - | 14.50% |
| 6 | Synchrony Financial | 23.31 Bn | -44.66 Bn | - | 24.99% |
| 7 | Royal Gold | 20.23 Bn | 19.45 Bn | 390.45 Mn | 65.65% |
| 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 | - | 6.34% |
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% |
API Access
PennyMac Financial Services EBT 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=ebt-margin&ticker=PFSI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=PFSI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();