NYSE$PFSI

PennyMac Financial Services Inc. · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

PennyMac Financial Services reported record quarterly financial performance driven by record production segment profitability and outstanding performance from interest rate hedging strategies.

PennyMac Financial Services reported a net income of $306.2 million for Q1 2020, or $3.73 per share on a diluted basis, on revenue of $721.8 million. The company's book value per share increased to $29.85. The Board of Directors declared a first quarter cash dividend of $0.12 per share.

  • Reported record quarterly financial performance.
  • Captured elevated production volumes and margins across all three production channels.
  • Maintained disciplined approach to interest rate, credit, and operational risks.
  • Offered borrowers the ability to request forbearance immediately using self-service capabilities.

Headline financials

Total Revenue

$12.7M

Previous: $248M-94.9%
EPS (adj)

$3.73

Previous: $0.58+543.1%
Capital Expenditures

-$994K

Previous: -$2.13M+53.2%
Free Cash Flow

$305M

Previous: $44M+593.6%
Net Income

$306M

Previous: $46.1M+563.8%
Operating Income

-$304M

Previous: $54.2M-661.3%
Gross Profit

$12.7M

Previous: $248M-94.9%
Cash & Equivalents

$879M

Previous: $145M+506.6%
Total Assets

$10.9B

Previous: $7.82B+39.3%
Stock-Based Comp

$12.4M

Previous: $4.53M+173.0%

Revenue & EPS history

PennyMac · Revenue · Quarterly

$12.7M

Q1 2020-94.9%vs Q1 2019
Beat estimate in 1 of 16 quarters(6%)
ActualEstimate

Revenue by segment

PennyMac · $712M total across 2 segments · Q1 2020

  • Production Segment
    $423M+227.5%
  • Servicing Segment
    $289M+163.1%

Forward guidance

Given the present market environment, we expect PFSI’s overall financial performance to remain elevated throughout 2020.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.6%

Avg return

Earnings day

+0.7%

Avg return

5 days after

+2.7%

Avg return

30 days after

44%

23 / 52 earnings

Positive

+19.8%

Q2 2016

Best reaction

-33.2%

Q4 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.5%+0.8%-7.3%
Q4 2025-33.2%-35.8%-38.6%
Q3 2025+6.3%+10.0%+4.4%
Q2 2025-1.3%-2.9%+14.9%
Q1 2025-2.7%-1.7%-1.8%
Q4 2024-8.8%-8.3%-9.7%
Q3 2024-4.7%-3.9%-0.9%
Q2 2024-2.7%+0.7%+0.3%
Q1 2024-7.1%-5.8%-1.6%
Q4 2023+6.9%+2.9%-2.1%
Q3 2023+10.4%+6.7%+22.7%
Q2 2023-6.9%-8.5%-15.6%
Q1 2023-2.4%-6.5%-5.6%
Q4 2022-3.9%-3.9%-8.7%
Q3 2022+16.9%+11.0%+22.4%
Q2 2022+4.1%+1.0%-6.1%
Q1 2022-4.7%-8.2%-3.9%
Q4 2021-0.8%+2.1%-0.9%
Q3 2021+3.0%+2.4%+4.3%
Q2 2021+10.9%+7.6%+5.3%
Q1 2021-5.0%-3.3%+1.4%
Q4 2020+2.8%-1.0%-1.8%
Q3 2020-1.2%-0.5%+5.7%
Q2 2020+3.1%+4.6%+1.1%
Q1 2020+8.1%+1.9%+26.0%
Q4 2019+8.1%+5.0%+4.0%
Q3 2019-1.2%-2.8%+9.3%
Q2 2019+5.3%+8.7%+23.2%
Q1 2019+5.6%+5.7%-4.0%
Q4 2018+4.8%+4.5%+6.4%
Q3 2018-0.4%+4.1%+2.6%
Q2 2018+14.6%+11.2%+10.4%
Q1 2018-6.7%-2.6%-5.2%
Q4 2017+1.2%+3.2%+12.4%
Q3 2017-0.3%+0.3%+14.2%
Q2 2017-3.7%-2.0%-3.4%
Q1 2017-6.7%-5.5%-3.8%
Q4 2016+10.6%+11.8%+5.0%
Q3 2016+4.7%+5.6%+4.4%
Q2 2016+19.8%+20.8%+28.5%
Q1 2016-5.1%
Q4 2015-3.8%
Q3 2015-1.0%
Q2 2015-3.1%
Q1 2015+0.3%
Q4 2014-4.3%
Q3 2014-3.3%
Q2 2014+0.1%
Q1 2014+8.6%
Q4 2013-0.7%
Q3 2013-1.7%
Q2 2013-0.2%
Q1 2013
Q4 2012
Q3 2012
Q2 2012
Q1 2012

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