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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

PennyMac Financial Services (PFSI) Operating Margin (2017 - 2026)

PennyMac Financial Services has reported Operating Margin over the past 8 years, most recently at 79.64% for Q4 2025.

  • Quarterly Operating Margin fell 5214.0% to 79.64% in Q4 2025 from the year-ago period, while the trailing twelve-month figure was 50.52% through Dec 2025, down 22717.0% year-over-year, with the annual reading at 5.66% for FY2025, 30778.0% down from the prior year.
  • Operating Margin was 79.64% for Q4 2025 at PennyMac Financial Services, up from 35.13% in the prior quarter.
  • Over five years, Operating Margin peaked at 131.78% in Q4 2024 and troughed at 25275.67% in Q1 2021.
  • The 5-year median for Operating Margin is 31.07% (2024), against an average of 4102.0%.
  • The largest YoY upside for Operating Margin was 2530793bps in 2022 against a maximum downside of -1304531bps in 2022.
  • A 5-year view of Operating Margin shows it stood at 119.31% in 2021, then fell by -28bps to 86.02% in 2022, then fell by -19bps to 69.84% in 2023, then skyrocketed by 89bps to 131.78% in 2024, then crashed by -40bps to 79.64% in 2025.
  • Per Business Quant, the three most recent readings for PFSI's Operating Margin are 79.64% (Q4 2025), 35.13% (Q3 2025), and 14.4% (Q2 2025).