P PFSI

PennyMac Financial Services Inc

$90.10

+2.74% (+$2.40)

Volume 565,093

52W High $160.36

52W Low $82.65

Market Cap $4.99B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$3.32

Whisper EPS

$3.45

3.8% above consensus

Last Quarter

$1.96

Current Streak

1 Miss

Avg Surprise (4Q)

-8.91%

Next Earnings Report

Reports in 13 days

Report Date Apr 20, 2026

Whisper Spread +3.77%

Consensus Estimate

$3.32

Official analyst average

Whisper Number

$3.45

What traders expect

Bullish Sentiment: The whisper number is 3.8% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 28, 2026

1-Day: +1.85%

5-Day: -36.68%

Q3 2025 Oct 21, 2025

1-Day: +7.16%

Q2 2025 Jul 22, 2025

1-Day: -7.38%

Q1 2025 Apr 22, 2025

1-Day: -2.76%

Revenue & Financial Performance

Revenue Whisper

$1.01B

TWN Proprietary Estimate

Last Quarter Revenue

$1.18B

+151.7% YoY

Gross Margin

90.5%

Net Margin: 9.0%

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
Q4 2025	Jan 28, 2026	$2.90	$3.03	$1.96	-32.48%	Missed
Q3 2025	Oct 21, 2025	$2.99	$3.18	$3.43	+14.66%	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
Q3 2024	Oct 22, 2024	$2.93	$2.49	$3.49	+19.11%	Beat
Q2 2024	Jul 23, 2024	$2.58	$2.19	$1.85	-28.29%	Missed
Q1 2024	Apr 24, 2024	$2.31	$1.96	$2.48	+7.36%	Beat
Q4 2023	Feb 1, 2024	$1.49	$1.35	-$0.74	--	Missed
Q3 2023	Oct 26, 2023	$1.69	$1.71	$1.77	+4.73%	Beat
Q2 2023	Jul 27, 2023	$1.49	$1.71	$1.11	-25.50%	Missed
Q1 2023	Apr 27, 2023	$1.06	$1.22	$0.57	-46.23%	Missed