Analysts Forecast Q4 EPS of $3.23 and $639.8M Revenue for PennyMac
Analysts expect PennyMac to report Q4 2025 EPS of $3.23 and revenue of $639.8 million. In Q3 the company delivered $3.37 EPS, beating consensus by $0.39, on $632.9 million revenue, a 53.7% year-over-year increase.
1. Upcoming Q4 2025 Results Scheduled
PennyMac Financial Services has set the date for its fourth-quarter and full-year 2025 earnings release after market close on Thursday, January 29, 2026. Management will host a conference call and live audio webcast at 5:00 p.m. Eastern Time to review the results. All materials will be made available on the company’s investor website, and a replay of the webcast will be accessible shortly after its conclusion. Shareholders requiring physical copies of the release should contact Investor Relations at 818-264-4907.
2. Analyst Expectations and Historical Performance
For Q4 2025, analysts anticipate earnings of $3.23 per share and revenue of $639.8 million. This follows PennyMac’s Q3 report, in which the company delivered earnings of $3.37 per share—$0.39 above consensus—and generated $632.9 million in revenue, a 53.7% year-over-year increase. During that quarter, PennyMac achieved a return on equity of 11.69% and a net margin of 25.21%. Street forecasts call for full-year EPS of $14 and $16 for fiscal years 2025 and 2026, respectively.
3. Scale of Operations and Mortgage Portfolio
As of September 30, 2025, PennyMac had produced $139 billion in newly originated mortgage loans on an unpaid principal balance basis over the prior twelve months, ranking it among the nation’s top residential lenders. The company serviced $717 billion in unpaid principal balance, making it one of the largest mortgage servicers in the U.S. Founded in 2008, PennyMac employs approximately 4,700 people nationwide and operates through two segments: mortgage production (retail, wholesale, correspondent) and mortgage servicing rights management.
4. Insider and Institutional Activity
In the last quarter, corporate insiders sold a total of 133,858 shares, including transactions by the Chief Accounting Officer (3,530 shares) and the Chief Executive Officer (10,000 shares), representing ownership reductions of 6.8% and 9.0%, respectively. Institutional investors now hold 57.9% of the company’s shares. Recent new positions were established by EverSource Wealth Advisors, STRS Ohio and Raymond James Financial, while existing holders such as Mackenzie Financial and CIBC Private Wealth Group increased their stakes amid ongoing market volatility.