PennyMac Financial Services (PFSI) Operating Margin (2017 - 2026)
PennyMac Financial Services (PFSI) reported Operating Margin of 15.34% for Q1 2026, down 665.0% year-over-year from 2.71% in Q1 2025, and down 80.74% quarter-over-quarter from 79.64% in Q4 2025.
PennyMac Financial Services (PFSI) Operating Margin (2017 - 2026) Analysis & Trends
PennyMac Financial Services (PFSI) has 9 years of Operating Margin data on file, last reported at 15.34% in Q1 2026.
- Operating Margin for Q1 2026 came in at 15.34%, down 665.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 44.94% (up 9396.0% YoY), and the FY2025 annual result was 5.66%, down 30778.0% from the prior year.
- Operating Margin slipped to 15.34% in Q1 2026 per PFSI's latest filing, from 79.64% in the prior quarter.
- Over five years, Operating Margin peaked at 86.02% in Q4 2022 and troughed at 12107.56% in Q1 2023.
- A 5-year average of 2764.78% and a median of 20.01% in 2023 frame the typical range for Operating Margin.
- The sharpest annual moves came in 2022 and 2023: Operating Margin jumped 1916559 bps in 2022, then slumped 1213982 bps in 2023.
- A 5-year view of Operating Margin shows it stood at 86.02% in 2022, then fell by 19 bps to 69.84% in 2023, then sank by 12182 bps to 8437.75% in 2024, then soared by 101 bps to 79.64% in 2025, then sank by 81 bps to 15.34% in 2026.
- Business Quant data shows PFSI's Operating Margin at 15.34% in Q1 2026, 79.64% in Q4 2025, and 8867.67% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 34.85 Bn | 32.16 Bn | - | - |
| 2 | PennyMac Financial Services | 4.14 Bn | 3.65 Bn | 523.89 Mn | 15.34% |
| 3 | Walker & Dunlop | 1.73 Bn | 1.55 Bn | - | - |
| 4 | UWM Holdings | 743.45 Mn | 1.57 Bn | - | - |
| 5 | Velocity Financial | 668.42 Mn | 583.96 Mn | - | - |
| 6 | CNFinance Holdings | 591.78 Mn | 542.97 Mn | - | - |
| 7 | Better Home & Finance Holding | 419.52 Mn | 349.24 Mn | - | - |
| 8 | Onity | 306.24 Mn | 306.24 Mn | - | - |
| 9 | loanDepot | 209.70 Mn | -4.79 Mn | - | - |
| 10 | Greystone Housing Impact Investors | 120.06 Mn | 120.06 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 15.34% |
| Dec 31, 2025 | 79.64% |
| Sep 30, 2025 | -8,867.67% |
| Jun 30, 2025 | 14.40% |
| Mar 31, 2025 | 21.99% |
| Dec 31, 2024 | -8,437.75% |
| Sep 30, 2024 | 21.57% |
| Jun 30, 2024 | -1,665.42% |
| Mar 31, 2024 | -7,238.90% |
| Dec 31, 2023 | 69.84% |
| Sep 30, 2023 | 30.52% |
| Jun 30, 2023 | 20.01% |
| Mar 31, 2023 | -12,107.56% |
| Dec 31, 2022 | 86.02% |
| Sep 30, 2022 | -9,107.62% |
| Jun 30, 2022 | 32.16% |
| Mar 31, 2022 | 32.26% |
| Dec 31, 2021 | 31.35% |
| Sep 30, 2021 | 41.72% |
| Jun 30, 2021 | -19,133.43% |