GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PennyMac Financial Services Inc (NYSE:PFSI) » Definitions » Net Margin %

PFSI (PennyMac Financial Services) Net Margin % : 7.13% (As of Mar. 2025)


View and export this data going back to 2013. Start your Free Trial

What is PennyMac Financial Services Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. PennyMac Financial Services's Net Income for the three months ended in Mar. 2025 was $76 Mil. PennyMac Financial Services's Revenue for the three months ended in Mar. 2025 was $1,070 Mil. Therefore, PennyMac Financial Services's net margin for the quarter that ended in Mar. 2025 was 7.13%.

The historical rank and industry rank for PennyMac Financial Services's Net Margin % or its related term are showing as below:

PFSI' s Net Margin % Range Over the Past 10 Years
Min: 6.07   Med: 11.12   Max: 41.67
Current: 11.19


PFSI's Net Margin % is ranked worse than
83.07% of 1589 companies
in the Banks industry
Industry Median: 24.87 vs PFSI: 11.19

PennyMac Financial Services Net Margin % Historical Data

The historical data trend for PennyMac Financial Services's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

PennyMac Financial Services Net Margin % Chart

PennyMac Financial Services Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 41.67 28.20 20.48 7.09 12.91

PennyMac Financial Services Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.86 13.74 11.02 14.96 7.13

Competitive Comparison of PennyMac Financial Services's Net Margin %

For the Mortgage Finance subindustry, PennyMac Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PennyMac Financial Services's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PennyMac Financial Services's Net Margin % distribution charts can be found below:

* The bar in red indicates where PennyMac Financial Services's Net Margin % falls into.


;
;

PennyMac Financial Services Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

PennyMac Financial Services's Net Margin for the fiscal year that ended in Dec. 2024 is calculated as

Net Margin=Net Income (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=311.423/2413.136
=12.91 %

PennyMac Financial Services's Net Margin for the quarter that ended in Mar. 2025 is calculated as

Net Margin=Net Income (Q: Mar. 2025 )/Revenue (Q: Mar. 2025 )
=76.28/1069.756
=7.13 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


PennyMac Financial Services  (NYSE:PFSI) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


PennyMac Financial Services Net Margin % Related Terms

Thank you for viewing the detailed overview of PennyMac Financial Services's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


PennyMac Financial Services Business Description

Traded in Other Exchanges
Address
3043 Townsgate Road, Suite 200, Westlake Village, CA, USA, 91361
PennyMac Financial Services Inc is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U.S. residential mortgage loans. The company operates through two segments: production and servicing. The production segment performs loan origination, acquisition and sale activities. The servicing segment performs loan servicing for newly originated loans.
Executives
Daniel Stanley Perotti officer: Chief Financial Officer C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
David Spector director, officer: Chairman & CEO C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Joseph F Mazzella director C/O HIGHFIELDS CAPITAL MANAGEMENT LP, 200 CLARENDON STREET, BOSTON MA 02116
Doug Jones officer: Chief Mtge Bnkg Ofcr C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Derek Stark officer: Chief Legal Officer 4500 PARK GRANADA, CALABASAS CA 91302
James Follette officer: Chief Mort Fulfillment Off. PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Gregory L Hendry officer: MD, Chief Accounting Officer 3300 LAKE AVENUE, ALTADENA CA 91001
Steven Richard Bailey officer: Chief Servicing Officer C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
James K Hunt director THL CREDIT GROUP, 100 FEDERAL STREET, 35TH FLOOR, BOSTON MA 02110
Anne Mccallion director C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
William Herbert Chang officer: Chief Capital Markets Officer PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Patrick Kinsella director C/O PENNYMAC, 6101 CONDOR DRIVE, MOORPARK CA 93021
Donald J. White officer: Chief Risk Officer PENNYMAC FINANCIAL SERVICES, INC., 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA 91361
Vandad Fartaj officer: Chief Investment Officer C/O PENNYMAC, 6101 CONDOR DRIVE, UPPER LEVEL, MOORPARK CA 93021
Farhad Nanji director C/O HIGHFIELDS CAPITAL MANAGEMENT LP, 200 CLARENDON STREET, BOSTON MA 02116