David Spector | executive |
Daniel Perotti | executive |
Douglas Harter | analyst |
Michael Kaye | analyst |
Terry Ma | analyst |
Crispin Love | analyst |
Mark DeVries | analyst |
Ryan Shelley | analyst |
Derek Sommers | analyst |
Bose George | analyst |
Eric Hagen | analyst |
Good afternoon, and welcome to PennyMac Financial Services, Inc. Fourth Quarter 2024 Earnings Call.
Additional earnings materials, including presentation slides that will be referred to in this call are available on PennyMac Financial's website at pfsi.pennymac.com.
Before we begin, let me remind you that this call may contain forward-looking statements that are subject to certain risks identified on Slide 2 of the earnings presentation that could cause the company's actual results to differ materially as well as non-GAAP measures that have been reconciled to their GAAP equivalent in the earnings materials.
Now I'd like to introduce David Spector, PennyMac Financial's Chairman and Chief Executive Officer; and Dan Perotti, PennyMac Financial's Chief Financial Officer.