P PFSI

PennyMac Financial Services Inc

$68.97

-1.98% ($1.40)

Volume 443,256

52W High $160.36

52W Low $68.94

Market Cap $4.42B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.79

Whisper EPS

$1.61

9.9% below consensus

Last Quarter

$1.39

Current Streak

1 Miss

Avg Surprise (4Q)

-15.42%

Next Earnings Report

Reports in 34 days

Report Date Oct 20, 2026

Whisper Spread -9.88%

Consensus Estimate

$1.79

Official analyst average

Whisper Number

$1.61

What traders expect

Cautious Sentiment: The whisper number is 9.9% below consensus, suggesting traders are skeptical. Meeting consensus may not be enough to satisfy the market.

Price Chart

EPS History: Consensus vs Actual

Last 9 quarters

Price Movement Around Earnings

Q2 2026 Jul 29, 2026

1-Day: -11.82%

5-Day: -11.20%

Q2 2026 Jul 21, 2026

1-Day: +0.83%

Q1 2026 May 5, 2026

1-Day: -0.47%

Q1 2026 Apr 28, 2026

1-Day: -2.19%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$1.18B	+151.7%	90.5%	33.6%	$106.8M
Q3'25	$882.8M	+114.4%	46.8%	26.8%	$181.5M
Q2'25	$931.6M	+30.2%	51.9%	8.3%	$136.5M
Q1'25	$1.07B	+114.0%	64.2%	9.8%	$76.3M
Q4'24	$470.1M	-11.7%	97.9%	59.4%	$104.5M
Q3'24	$411.8M	-26.1%	95.8%	52.9%	$69.4M
Q2'24	$715.4M	+25.4%	49.2%	18.7%	$98.3M
Q1'24	$500.0M	-25.5%	39.0%	8.9%	$39.3M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q2 2026	Jul 29, 2026	$2.08	$1.91	$1.39	-33.17%	Missed
Q2 2026	Jul 21, 2026	$2.21	$1.98	--	--	--
Q1 2026	May 5, 2026	$2.14	$2.19	$2.19	+2.34%	Met
Q1 2026	Apr 28, 2026	$2.05	$2.12	--	--	--
Q1 2026	Apr 21, 2026	$2.16	$2.24	--	--	--
Q1 2026	Apr 20, 2026	$3.32	$3.41	$2.19	-34.04%	Missed
Q4 2025	Jan 29, 2026	$3.23	$3.01	$1.96	-39.32%	Missed
Q4 2025	Jan 28, 2026	$2.90	$3.03	$1.96	-32.48%	Missed
Q3 2025	Oct 21, 2025	$2.98	$3.18	$3.43	+15.10%	Beat
Q2 2025	Jul 22, 2025	$3.07	$3.00	$4.28	+39.41%	Beat
Q1 2025	Apr 22, 2025	$2.83	$2.84	$2.77	-2.12%	Missed
Q4 2024	Jan 30, 2025	$3.02	$2.57	$2.88	-4.64%	Beat