This article first appeared on GuruFocus.

PennyMac Financial Services Inc (NYSE:PFSI) is set to release its Q3 2025 earnings on Oct 21, 2025. The consensus estimate for Q3 2025 revenue is $0.59 billion, and the earnings are expected to come in at $2.92 per share. The full year 2025's revenue is expected to be $2.11 billion, and the earnings are expected to be $10.23 per share. More detailed estimate data can be found on the Forecast page.

Warning! GuruFocus has detected 12 Warning Signs with PFSI.

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Over the past 90 days, revenue estimates for PennyMac Financial Services Inc (NYSE:PFSI) have declined from $2.19 billion to $2.11 billion for the full year 2025. However, they have increased from $2.57 billion to $2.62 billion for 2026. Earnings estimates have increased from $10.11 per share to $10.23 per share for the full year 2025, while they have declined from $14.82 per share to $14.51 per share for 2026.

In the previous quarter ending on June 30, 2025, PennyMac Financial Services Inc's (NYSE:PFSI) actual revenue was $0.44 billion, which missed analysts' revenue expectations of $0.55 billion by -19.69%. PennyMac Financial Services Inc's (NYSE:PFSI) actual earnings were $2.54 per share, which missed analysts' earnings expectations of $2.65 per share by -4.08%. After releasing the results, PennyMac Financial Services Inc (NYSE:PFSI) was down by -7.38% in one day.

Based on the one-year price targets offered by 7 analysts, the average target price for PennyMac Financial Services Inc (NYSE:PFSI) is $131.57, with a high estimate of $136 and a low estimate of $115. The average target implies an upside of 9.63% from the current price of $120.01.

Based on GuruFocus estimates, the estimated GF Value for PennyMac Financial Services Inc (NYSE:PFSI) in one year is $88.98, suggesting a downside of -25.86% from the current price of $120.01.

Based on the consensus recommendation from 8 brokerage firms, PennyMac Financial Services Inc's (NYSE:PFSI) average brokerage recommendation is currently 2.3, indicating an \\"Outperform\\" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.