PennyMac Financial Services reported its full-year and fourth-quarter 2025 earnings on Thursday, telling investors and analysts that higher mortgage production helped offset pressure on servicing income from increased prepayment activity.

The California-based company posted a solid quarter and a strong 2025, but its growth in loan production is doing the heavy lifting. Servicing profitability is under pressure from faster prepayments, and intense competition could limit how much upside production can deliver.

PennyMac said net income totaled $106.8 million, or $1.97 per diluted share, for the quarter ending Dec. 31, on total net revenues of $538 million. Book value per share details ⇒

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