Jun 2026 (Q2 FY26) — Jul 29, 2026
PennyMac Financial Q2 FY26 — Technology-Driven Cost Reductions and Recapture Rate Growth Amidst Rate Headwinds
Read the full callPennyMac Financial (PFSI) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
PennyMac Financial earnings: last reported Wed, 29 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 19.5 | +331.7% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 21.7 | −84.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$61.19 +5.96% · +$3.44
Performance −48.9% 1Y
1Y: $119.7 on 14 Oct 2025 → $61.19. High $159.46 (16 Jan 2026), low $57.75 (14 Oct 2026).
- Previous close
- $57.75
- 52-week range
- $57.75 – $159.46
- One year
- −48.51%
Overview
- Symbol
- PFSI
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
PennyMac Financial earnings calls (PFSI)
Financials
What the filings say
Net profit, year on year: −84% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 3 | 4 | 5 | 5 | 5 | 6 | 6 | 19 |
| Profit before tax | 94 | 129 | 104 | 76 | 236 | 134 | 105 | 32 |
| Tax rate | 26.1% | 19.2% | 26.8% | −78.5% | 23.2% | 20.5% | 21.4% | 31.1% |
| Net profit | 69 | 104 | 76 | 136 | 182 | 107 | 82 | 22 |
| EPS ($ per share) | 1.36 | — | 1.48 | 2.64 | 3.51 | — | 1.58 | 0.42 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | — | — | — | — | — | 0 | 0 | 0 |
| Reserves | 343 | 726 | 2,342 | 3,293 | 3,471 | 3,514 | 3,774 | 4,212 |
| Total liabilities | 5,825 | 8,143 | 28,208 | 15,358 | 13,352 | 15,306 | 22,257 | 25,080 |
| Fixed assets | 33 | 30 | — | 32 | 28 | 19 | 13 | 18 |
| Investments | 118 | 75 | 15 | 7 | 12 | 10 | 421 | 410 |
| Total assets | 7,479 | 10,204 | 31,598 | 18,777 | 16,823 | 18,845 | 26,087 | 29,389 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 572 | -2,245 | -6,199 | 2,563 | 6,033 | -1,582 | -4,533 | -1,652 |
| Cash from investing | -323 | 149 | 783 | -304 | -722 | -273 | -1,888 | 552 |
| Cash from financing | -132 | 2,129 | 5,760 | -2,451 | -4,323 | 1,465 | 5,721 | 1,163 |
| Net cash flow | 118 | 33 | 344 | -193 | 988 | -390 | -700 | 63 |
| Capital expenditure | -13 | -6 | -11 | -8 | -7 | -1 | -2 | -12 |
| Free cash flow | 559 | -2,251 | -6,210 | 2,555 | 6,026 | -1,584 | -4,535 | -1,664 |
Insider filings
139 filings between Oct 22, 2025 and Jul 31, 2026.
Open market
decisions to buy or sellPurchases
$200.6K
1 purchase by 1 insider
Sales
$34.61M
57 sales by 6 insiders
82% filed under a 10b5-1 plan — scheduled in advance, not decided on the day
Compensation
not trading decisions- 26
- Award — granted as compensation
- 18
- Option exercise — converted options into shares
- 30
- Tax withheld — shares kept back by the company to cover tax
Also filed: 4 other filings, 2 gifts, 1 disposition to issuer.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| SPECTOR DAVID | — | $16.83M | May 12, 2026 |
| Perotti Daniel Stanley | — | $6.77M | May 15, 2026 |
| Jones Doug | — | $6.19M | Nov 25, 2025 |
| MCCALLION ANNE | — | $3.65M | Oct 24, 2025 |
| Hendry Gregory L | — | $894.3K | Jul 1, 2026 |
| STARK DEREK | — | $267.6K | Mar 3, 2026 |
| Kinsella Patrick | $200.6K | — | Feb 12, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Jul 31, 2026 | NANJI FARHAD Director | Award | 379 | $31.1K |
| Jul 31, 2026 | SPECTOR DAVID Chairman & CEO | Other | 25,000 | $0 |
| Jul 31, 2026 | Chandra Sunil Director | Award | 377 | $31.0K |
| Jul 1, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Sale 10b5-1 plan | 2,177 | $189.2K |
| Jul 1, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Option exercise 10b5-1 plan | 2,177 | $53.1K |
| Jun 22, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Sale 10b5-1 plan | 2,943 | $240.5K |
| Jun 22, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Option exercise 10b5-1 plan | 2,943 | $53.1K |
| May 15, 2026 | Perotti Daniel Stanley Chief Financial Officer | Sale 10b5-1 plan | 2,925 | $255.9K |
| May 12, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 4,084 | $362.3K |
| May 12, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 2,772 | $240.8K |
| May 12, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 3,144 | $276.7K |
| May 8, 2026 | SPECTOR DAVID Chairman & CEO | Other | 25,000 | $0 |
| May 7, 2026 | NANJI FARHAD Director | Award | 338 | $31.4K |
| May 7, 2026 | MAZZELLA JOSEPH F Director | Award | 359 | $33.4K |
| May 7, 2026 | Chandra Sunil Director | Award | 336 | $31.3K |
| Apr 14, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 417 | $39.0K |
| Apr 14, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 9,583 | $889.3K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 729 | $62.2K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 10,210 | $882.3K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 1,020 | $88.7K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 917 | $78.2K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 1,309 | $113.8K |
| Mar 6, 2026 | SPECTOR DAVID Chairman & CEO | Sale 10b5-1 plan | 8,251 | $713.1K |
| Mar 3, 2026 | STARK DEREK Chief Legal Officer | Sale 10b5-1 plan | 1,066 | $93.4K |
| Feb 28, 2026 | ELBAUM MARK Chief Capital Markets Officer | Tax withheld | 71 | $6.5K |
| Feb 28, 2026 | Tidmore Abbie Chief Revenue Officer | Tax withheld | 300 | $27.6K |
| Feb 28, 2026 | Follette James Chief Digital Officer | Tax withheld | 599 | $55.1K |
| Feb 28, 2026 | Jones Doug Director, President & CMBO | Tax withheld | 1,704 | $156.6K |
| Feb 28, 2026 | Perotti Daniel Stanley Chief Financial Officer | Tax withheld | 849 | $78.0K |
| Feb 28, 2026 | STARK DEREK Chief Legal Officer | Tax withheld 10b5-1 plan | 467 | $42.9K |
| Feb 28, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Tax withheld | 32 | $2.9K |
| Feb 28, 2026 | SPECTOR DAVID Chairman & CEO | Tax withheld | 3,097 | $284.7K |
| Feb 25, 2026 | STARK DEREK Chief Legal Officer | Sale 10b5-1 plan | 1,903 | $174.1K |
| Feb 24, 2026 | Tidmore Abbie Chief Revenue Officer | Tax withheld | 204 | $18.4K |
| Feb 24, 2026 | Follette James Chief Digital Officer | Tax withheld | 554 | $50.0K |
| Feb 24, 2026 | SPECTOR DAVID Chairman & CEO | Tax withheld | 3,106 | $280.6K |
| Feb 24, 2026 | STARK DEREK Chief Legal Officer | Tax withheld 10b5-1 plan | 345 | $31.2K |
| Feb 24, 2026 | Perotti Daniel Stanley Chief Financial Officer | Tax withheld | 616 | $55.6K |
| Feb 24, 2026 | Jones Doug Director, President & CMBO | Tax withheld | 1,597 | $144.3K |
| Feb 24, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Tax withheld | 45 | $4.1K |
| Feb 20, 2026 | STARK DEREK Chief Legal Officer | Tax withheld | 780 | $73.6K |
| Feb 20, 2026 | STARK DEREK Chief Legal Officer | Option exercise | 2,130 | $0 |
| Feb 20, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Tax withheld | 126 | $11.9K |
| Feb 20, 2026 | Hendry Gregory L MD, Chief Accounting Officer | Option exercise | 304 | $0 |
| Feb 20, 2026 | Perotti Daniel Stanley Chief Financial Officer | Tax withheld | 1,366 | $128.9K |
| Feb 20, 2026 | Perotti Daniel Stanley Chief Financial Officer | Option exercise | 3,805 | $0 |
| Feb 20, 2026 | SPECTOR DAVID Chairman & CEO | Tax withheld | 7,391 | $697.2K |
| Feb 20, 2026 | SPECTOR DAVID Chairman & CEO | Option exercise | 13,699 | $0 |
| Feb 20, 2026 | Tidmore Abbie Chief Revenue Officer | Tax withheld | 565 | $53.3K |
| Feb 20, 2026 | Tidmore Abbie Chief Revenue Officer | Option exercise | 2,054 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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