PennyMac Financial Services (PFSI) Operating Margin (2017 - 2026)
PennyMac Financial Services' (PFSI) quarterly Operating Margin came in at 15.34% in Q1 2026, down 665.0% year-on-year from 2.71% in Q1 2025, and up 100.23% on a QoQ basis from 6689.75% 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.
- On a quarterly basis, Operating Margin fell 665.0% year-over-year to 15.34% in Q1 2026; TTM through Mar 2026 was 40.22%, a 3763.0% decrease from a year earlier, with the FY2025 full-year figure at 7564.9%, down 314401.0% from the prior year.
- Operating Margin for Q1 2026 stood at 15.34%, up from 6689.75% in the prior quarter.
- Over the last five years, Operating Margin for PFSI reached as high as 140.96% in Q4 2023 and fell as low as 13009.03% in Q2 2022.
- Historically, Operating Margin has averaged 3900.92% across 5 years, with a median of 15.34% in 2026.
- On a YoY basis, Operating Margin climbed as much as 2624659 bps in 2022 and fell as far as 1304531 bps in 2022.
- Year by year, Operating Margin stood at 86.02% in 2022, then jumped by 64 bps to 140.96% in 2023, then sank by 6086 bps to 8437.75% in 2024, then climbed by 21 bps to 6689.75% in 2025, then surged by 100 bps to 15.34% in 2026.
- Per Business Quant data, the three most recent Operating Margin figures were 15.34% in Q1 2026, 6689.75% in Q4 2025, and 35.13% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 38.33 Bn | 35.64 Bn | - | - |
| 2 | Federal National Mortgage Association Fannie Mae | 35.67 Bn | 35.67 Bn | - | - |
| 3 | Federal Home Loan Mortgage | 18.11 Bn | 13.64 Bn | - | - |
| 4 | PennyMac Financial Services | 4.41 Bn | 3.76 Bn | 523.89 Mn | 15.34% |
| 5 | CNFinance Holdings | 3.28 Bn | 3.20 Bn | - | - |
| 6 | Walker & Dunlop | 1.64 Bn | 1.44 Bn | - | - |
| 7 | Velocity Financial | 681.36 Mn | -6.51 Bn | - | - |
| 8 | UWM Holdings | 540.43 Mn | 116.43 Mn | - | - |
| 9 | Better Home & Finance Holding | 362.34 Mn | 298.07 Mn | - | - |
| 10 | Onity | 340.51 Mn | 215.81 Mn | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 15.34% |
| Dec 31, 2025 | -6,689.75% |
| Sep 30, 2025 | 35.13% |
| Jun 30, 2025 | -8,329.52% |
| Mar 31, 2025 | 21.99% |
| Dec 31, 2024 | -8,437.75% |
| Sep 30, 2024 | 21.57% |
| Jun 30, 2024 | 31.62% |
| Mar 31, 2024 | 13.16% |
| Dec 31, 2023 | 140.96% |
| Sep 30, 2023 | 30.52% |
| Jun 30, 2023 | -9,062.97% |
| Mar 31, 2023 | -12,107.56% |
| Dec 31, 2022 | 86.02% |
| Sep 30, 2022 | -9,107.62% |
| Jun 30, 2022 | -13,009.03% |
| Mar 31, 2022 | 32.26% |
| Dec 31, 2021 | 31.35% |
| Sep 30, 2021 | -35,354.22% |
| Jun 30, 2021 | 36.28% |