NYSE$PFSI

PennyMac Financial Services Inc. · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

PennyMac Financial reported strong operating earnings driven by volume increases in consumer and broker direct channels, though net fair value declines on MSRs and hedges impacted results.

PennyMac Financial Services, Inc. reported a net income of $39.3 million for Q1 2024, with earnings per share (EPS) of $0.74 on revenue of $305.7 million.

  • Strong operating earnings were reported, with a 15% annualized operating return on equity.
  • Volume increases in consumer and broker direct channels drove profitability in the production segment.
  • The servicing portfolio continues to anchor financial performance, contributing to revenue and cash earnings.
  • PennyMac Financial is well-positioned for future growth due to its balanced business model and leading positions in loan production and servicing.

Headline financials

Total Revenue

-$5.73M

Previous: -$1.1M-421.5%
EPS (adj)

$2.48

Previous: $0.57+335.1%
Capital Expenditures

-$918K

Previous: -$173K-430.6%
Free Cash Flow

$38.4M

Previous: $30.2M+27.1%
Net Income

$39.3M

Previous: $30.4M+29.4%
Operating Income

-$279M

Previous: -$274M-1.8%
Gross Profit

-$5.73M

Previous: -$1.1M-421.5%
Cash & Equivalents

$927M

Previous: $1.5B-38.1%
Total Assets

$19.8B

Previous: $20.1B-1.5%
Stock-Based Comp

$4.58M

Previous: $11.7M-60.7%

Revenue & EPS history

PennyMac · Revenue · Quarterly

-$5.73M

Q1 2024+421.5%vs Q1 2023
Beat estimate in 0 of 15 quarters(0%)
ActualEstimate

Revenue by segment

PennyMac · $392M total across 2 segments · Q3 2023

  • Servicing Segment
    $217M-18.5%
  • Production Segment
    $174M-12.6%

Forward guidance

No specific forward guidance was provided in the earnings report.

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 2024

Historical avgQ1 2024

+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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