PennyMac Financial Services-Here's What Key Metrics Tell Us About PennyMac (PFSI) Q4 Earnings

Financial Performance - Revenue for Q4 2024 was $470.11 million, a 29.9% YoY increase [1] - EPS for Q4 2024 was$ 2.88, compared to $1.76 in the same period last year [1] - Revenue missed Zacks Consensus Estimate by 10.26% ($ 523.86 million) [1] - EPS missed Zacks Consensus Estimate by 5.57% ( $3.05) [1] Key Metrics Analysis - Net gains on loans held for sale at fair value:$ 222.04 million vs $222.44 million estimate, +49.3% YoY [4] - Net loan servicing fees:$ 189.27 million vs $240.95 million estimate, +16.6% YoY [4] - Loan servicing fees:$ 472.56 million vs $461.96 million estimate [4] - Management fees from PennyMac Mortgage Investment Trust:$ 7.15 million vs $7.73 million estimate, -1.4% YoY [4] - Fulfillment fees from PennyMac Mortgage Investment Trust:$ 6.36 million vs $10.32 million estimate, +28.9% YoY [4] - Loan origination fees:$ 57.82 million vs $46.96 million estimate, +51.9% YoY [4] - Net interest income: -$ 17.25 million vs - $8.50 million estimate, +210.3% YoY [4] - Other revenues:$ 4.72 million vs $3.87 million estimate, -23.6% YoY [4] Stock Performance - Shares returned +9.8% over the past month, outperforming Zacks S&P 500 composite's +1.2% change [3] - The stock currently has a Zacks Rank 3 (Hold) [3] Market Perspective - Investors focus on YoY changes in revenue and earnings, as well as Wall Street expectations, to guide investment decisions [2] - Key metrics provide better insight into a company's underlying performance and help project stock price performance [2]