PFSI at a glance
PennyMac Financial Services, Inc. (PFSI, SEC CIK 1745916) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 14, 2026 and Form 4 insider filings as recently as August 4, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), PennyMac Financial Services, Inc. (PFSI) reported revenue of $20.1 million (down 25.2% from FY2024) and net income of $501.1 million. Diluted EPS was $9.30.
- As of June 30, 2026, 27 institutional investment managers tracked by SignalX reported holding PennyMac Financial Services, Inc. (PFSI) shares worth $1.2 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Hendry Gregory L on July 1, 2026 of 2,177 shares at $86.89 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $20.1M
- −25.2% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 27 funds
- $1.2B · +0 vs prior quarter
- Latest 8-K
- Sep 14, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: specialty financial services focused on U.S. residential mortgage loan production, servicing, and mortgage market investment management
- New emphasis on correspondent lending: became initial purchaser for all loans from correspondent sellers starting July 1, 2025, transferring conventional loans to PMT
- Strategic growth in consumer direct lending with UPB funded increasing to $13.7B in 2025 vs $8.7B in 2024, leveraging servicing portfolio for refinance and purchases
- UPB of loans purchased and originated rose to $152.4B in 2025 from $115.8B in 2024; total loans serviced increased to $733.6B from $665.8B
- Employee count steady at approximately 4,900 with expanded employee development, wellness, and diversity programs highlighted
Risk Factors
- No disclosed regulatory or legal risk specific to 2026 in the text
- No geopolitical or macroeconomic threat detailed with exposure specifics
- No operational or supply chain vulnerabilities mentioned for fiscal 2026
- No competitive or market disruption risk identified for PennyMac in the filing
- Stock repurchase program increase to $2 billion, no shares repurchased Q4 2025, potential capital availability constraint
Management Discussion & Analysis
- Revenue $2.05B in 2025, up 28% YoY from $1.59B driven by $302M production revenue growth and $172M servicing fee increase
- Net income $501M in 2025, up 61% YoY from $311M with pre-tax margin 27.0% vs 25.2% (2025 vs 2024)
- Best segment: Production income before tax $370M in 2025 vs $311M in 2024; Worst segment: Corporate and other loss $(143)M in 2025 vs $(115)M in 2024
- Operating expenses $1.50B in 2025, +25% YoY mainly compensation and loan origination increase; Adjusted EBITDA $1.13B vs $1.08B in 2024
- Cash dividends $1.20 per share in 2025 vs $1.00 in 2024; no explicit share repurchase or capex figures disclosed
- 2026 outlook: Mortgage origination market growth to $2.3T; risk from increased prepayment speeds, MSR runoff, economic uncertainty, and mortgage delinquencies
AI summary of the PFSI 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Total net revenue $497.0M vs $444.7M YoY, up $52.2M; loan production revenue $354.9M vs $299.6M
- Net income $21.7M vs $136.5M YoY; annualized ROE 2.0% vs 13.9%
- Production strongest segment: pretax income $38.4M vs $57.8M; servicing $21.7M vs $54.2M
- Loan production gains $280.3M vs $234.7M; IRLCs $33.3B vs $39.6B
- Outlook: declining production volumes, higher non-qualified mortgage production; rate volatility and potential defaults remain headwinds
Risk Factors
- No risk factors provided; excerpt covers unregistered securities, repurchases, defaults, trading plans, and exhibits
- Stock-repurchase flexibility risk: $157,600,979 remaining under the $2 billion program
- Capital-allocation risk: repurchases depend on market conditions, regulatory requirements, and capital availability
- Compliance disclosure: no directors or executive officers adopted, modified, or terminated Rule 10b5-1 arrangements during the quarter
AI summary of the PFSI 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Item 7.01 designates Exhibit 99.1 as Regulation FD disclosure
- Exhibit 99.1 excluded from Exchange Act Section 18 “filed” liability
Item EX-99.1: Item EX-99.1
- 3Q26 quarter-to-date total fundings $16.6B versus $34.9B in 2Q26, signaling lower production momentum
- Mortgage rates up 50 basis points since June 30, pressuring pull-through-adjusted locks and production pretax income
Item 2.02: Results of Operations and Financial Condition
- Item 2.02 references exhibits without presenting operating results or financial figures
- Furnished information generally excluded from Exchange Act Section 18 filing liability
Item EX-99.1: Item EX-99.1
- Q2 net income $22M, down 84% YoY; adjusted net income $74M, down 40%, signaling substantial earnings pressure
- Total net revenue $497M, up 12% YoY, but higher interest rates drove annualized ROE down to 2% from 14%
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Tiffany To elected to PFSI board June 5, 2026, serving through next annual meeting
- No committee assignment, limiting immediate governance responsibilities
Item EX-99.1: Item EX-99.1
- Tiffany To joins PFSI’s Board, adding enterprise AI and technology-transformation expertise
- Ontollo CEO and former Atlassian executive strengthens oversight of PFSI’s tech-first mortgage platform
AI summaries of PFSI 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for PFSI
Don't miss the next PFSI filing
- Alerts as it files. A push when PFSI files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut PFSI, by share count.
- Ask anything. An AI agent that reads every PFSI filing and answers with sources.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| NANJI FARHAD | A | Jul 31, 2026 | 379 | $82.17 |
| SPECTOR DAVID | J | Jul 31, 2026 | 25,000 | - |
| Chandra Sunil | A | Jul 31, 2026 | 377 | $82.17 |
| Hendry Gregory L | M | Jul 1, 2026 | 2,177 | - |
| Hendry Gregory L | M | Jul 1, 2026 | 2,177 | $24.40 |
| Hendry Gregory L | Sell | Jul 1, 2026 | 2,177 | $86.89 |
| Hendry Gregory L | M | Jun 22, 2026 | 2,943 | $18.05 |
| Hendry Gregory L | Sell | Jun 22, 2026 | 2,943 | $81.71 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $13.4M | $26.9M | $20.1M |
| Net Income | $144.7M | $311.4M | $501.1M |
| Net Margin | 1079.3% | 1159.1% | 2491.9% |
| Balance Sheet | |||
| Total Assets | $18.8B | $26.1B | $29.4B |
| Equity | - | $3.8B | $4.3B |
| ROE | - | 8.1% | 11.6% |
| Per Share | |||
| EPS | $2.74 | $5.84 | $9.30 |
| Cash Flow | |||
| Operating CF | -$1.6B | -$4.5B | -$1.7B |
| CapEx | $1.4M | $1.7M | $11.9M |
Source: XBRL data in PennyMac Financial Services, Inc. (PFSI)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate PFSI share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 27 | $1.19B |
| Q1 2026 | 27 | $1.35B |
| Q4 2025 | 29 | $2.03B |
| Q3 2025 | 28 | $2.10B |
| Q2 2025 | 27 | $1.46B |
| Q1 2025 | 23 | $1.25B |
| Q4 2024 | 19 | $1.05B |
| Q3 2024 | 17 | $683.2M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 197 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
PFSI filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 14, 2026 | - | Analysis | - |
| 4 | Aug 4, 2026 | - | - | - |
| 4 | Aug 4, 2026 | - | - | - |
| 10-Q | Aug 4, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 4, 2026 | - | - | - |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | Jul 2, 2026 | - | - | - |
| 4 | Jun 24, 2026 | - | - | - |
| 8-K | Jun 11, 2026 | - | Analysis | - |
| 8-K | Jun 4, 2026 | - | Analysis | |
| 4 | May 18, 2026 | - | - | |
| 4 | May 8, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 8-K | May 5, 2026 | - | Analysis | - |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| 4 | Apr 15, 2026 | - | - | - |
| SC 13G | Apr 1, 2026 | - | - | |
| 8-K | Mar 18, 2026 | - | Analysis | - |
| 4 | Mar 9, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
| 4 | Mar 3, 2026 | - | - | - |
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PFSI SEC filings: frequently asked questions
Which institutions hold PFSI stock?
As of June 30, 2026, the largest PennyMac Financial Services, Inc. (PFSI) holders among the 13F filers tracked by SignalX were BlackRock ($202.7 million), Dimensional Fund Advisors ($185.6 million), Vanguard Portfolio Management LLC ($144.6 million), Vanguard Capital Management LLC ($112.7 million), Invesco Ltd ($87.7 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was PFSI's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), PennyMac Financial Services, Inc. (PFSI) reported revenue of $20.1 million (down 25.2% from FY2024) and net income of $501.1 million. Diluted EPS was $9.30. The figures come from the XBRL data in the 10-K.
What are the main risks in PFSI's latest 10-K?
In the 10-K filed February 20, 2026, PennyMac Financial Services, Inc. (PFSI) flagged: No disclosed regulatory or legal risk specific to 2026 in the text. No geopolitical or macroeconomic threat detailed with exposure specifics. (AI summary of the Risk Factors section.)
What did PFSI report in its latest 8-K?
PennyMac Financial Services, Inc. (PFSI) filed an 8-K on September 14, 2026 reporting Item 7.01 (Regulation FD Disclosure). Item 7.01 designates Exhibit 99.1 as Regulation FD disclosure.
What are the latest PFSI SEC filings?
PennyMac Financial Services, Inc. (PFSI) filed its latest 10-K annual report on February 20, 2026, a 10-Q quarterly report on August 4, 2026, an 8-K current report on September 14, 2026 and a Form 4 insider filing on August 4, 2026.
What is PFSI's SEC CIK number?
PennyMac Financial Services, Inc. (PFSI)'s SEC Central Index Key (CIK) is 1745916. EDGAR lists every PFSI filing under that number.
Ask anything about PFSI
The research agent reads PFSI's filings, financials, insider trades and 13F holders, then answers with sources.