PENNYMAC MORTGAGE INVESTMENT (PMT) Fundamental Analysis & Valuation

NYSE:PMT • US70931T1034

Current stock price

12 USD
+0.22 (+1.87%)
At close:
11.59 USD
-0.41 (-3.42%)
Pre-Market:

This PMT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PMT Profitability Analysis

1.1 Basic Checks

  • PMT had positive earnings in the past year.
  • PMT had a negative operating cash flow in the past year.
  • Of the past 5 years PMT 4 years were profitable.
  • In multiple years PMT reported negative operating cash flow during the last 5 years.
PMT Yearly Net Income VS EBIT VS OCF VS FCFPMT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2B -4B -6B

1.2 Ratios

  • PMT has a Return On Assets (0.40%) which is in line with its industry peers.
  • PMT has a Return On Equity of 4.55%. This is comparable to the rest of the industry: PMT outperforms 45.59% of its industry peers.
  • With a Return On Invested Capital value of 0.35%, PMT is not doing good in the industry: 61.76% of the companies in the same industry are doing better.
  • The Average Return On Invested Capital over the past 3 years for PMT is in line with the industry average of 1.30%.
Industry RankSector Rank
ROA 0.4%
ROE 4.55%
ROIC 0.35%
ROA(3y)0.81%
ROA(5y)0.36%
ROE(3y)6.24%
ROE(5y)2.78%
ROIC(3y)0.9%
ROIC(5y)0.67%
PMT Yearly ROA, ROE, ROICPMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • PMT's Profit Margin of 7.29% is in line compared to the rest of the industry. PMT outperforms 44.12% of its industry peers.
  • In the last couple of years the Profit Margin of PMT has grown nicely.
  • PMT has a Operating Margin of 7.97%. This is in the lower half of the industry: PMT underperforms 61.76% of its industry peers.
  • PMT's Operating Margin has declined in the last couple of years.
  • The Gross Margin of PMT (16.02%) is worse than 77.94% of its industry peers.
  • In the last couple of years the Gross Margin of PMT has grown nicely.
Industry RankSector Rank
OM 7.97%
PM (TTM) 7.29%
GM 16.02%
OM growth 3Y-3.39%
OM growth 5Y-5.49%
PM growth 3YN/A
PM growth 5Y14.72%
GM growth 3Y2.78%
GM growth 5Y2.04%
PMT Yearly Profit, Operating, Gross MarginsPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. PMT Health Analysis

2.1 Basic Checks

  • PMT has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PMT has less shares outstanding
  • PMT has a worse debt/assets ratio than last year.
PMT Yearly Shares OutstandingPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PMT Yearly Total Debt VS Total AssetsPMT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • Based on the Altman-Z score of -0.39, we must say that PMT is in the distress zone and has some risk of bankruptcy.
  • PMT's Altman-Z score of -0.39 is in line compared to the rest of the industry. PMT outperforms 44.12% of its industry peers.
  • A Debt/Equity ratio of 10.12 is on the high side and indicates that PMT has dependencies on debt financing.
  • PMT's Debt to Equity ratio of 10.12 is on the low side compared to the rest of the industry. PMT is outperformed by 83.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.12
Debt/FCF N/A
Altman-Z -0.39
ROIC/WACCN/A
WACCN/A
PMT Yearly LT Debt VS Equity VS FCFPMT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B -5B 10B

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that PMT may have some problems paying its short term obligations.
  • The Current ratio of PMT (0.05) is worse than 77.94% of its industry peers.
  • A Quick Ratio of 0.05 indicates that PMT may have some problems paying its short term obligations.
  • PMT's Quick ratio of 0.05 is on the low side compared to the rest of the industry. PMT is outperformed by 77.94% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
PMT Yearly Current Assets VS Current LiabilitesPMT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PMT Growth Analysis

3.1 Past

  • PMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.32%.
  • Measured over the past years, PMT shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.50% on average per year.
  • PMT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.30%.
  • Measured over the past years, PMT shows a quite strong growth in Revenue. The Revenue has been growing by 9.79% on average per year.
EPS 1Y (TTM)-26.32%
EPS 3YN/A
EPS 5Y32.5%
EPS Q2Q%17.07%
Revenue 1Y (TTM)12.3%
Revenue growth 3Y18.15%
Revenue growth 5Y9.79%
Sales Q2Q%-13.31%

3.2 Future

  • PMT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.88% yearly.
  • PMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.96% yearly.
EPS Next Y63.25%
EPS Next 2Y29.69%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue Next Year25.96%
Revenue Next 2Y13.61%
Revenue Next 3Y10.96%
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
PMT Yearly Revenue VS EstimatesPMT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
PMT Yearly EPS VS EstimatesPMT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 -1 2

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Find the best growth stocksShow best growing peers

5

4. PMT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.24 indicates a correct valuation of PMT.
  • Compared to the rest of the industry, the Price/Earnings ratio of PMT indicates a somewhat cheap valuation: PMT is cheaper than 61.76% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, PMT is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.50, which indicates a rather cheap valuation of PMT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMT indicates a somewhat cheap valuation: PMT is cheaper than 73.53% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PMT to the average of the S&P500 Index (23.69), we can say PMT is valued rather cheaply.
Industry RankSector Rank
PE 12.24
Fwd PE 7.5
PMT Price Earnings VS Forward Price EarningsPMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PMT Per share dataPMT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40 -60 -80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PMT's earnings are expected to grow with 18.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)0.38
EPS Next 2Y29.69%
EPS Next 3Y18.88%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. PMT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 14.29%, PMT is a good candidate for dividend investing.
  • PMT's Dividend Yield is comparable with the industry average which is at 13.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, PMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 14.29%

5.2 History

  • The dividend of PMT has a limited annual growth rate of 3.17%.
  • PMT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PMT has decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.17%
Div Incr Years0
Div Non Decr Years2
PMT Yearly Dividends per sharePMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • PMT pays out 211.02% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of PMT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP211.02%
EPS Next 2Y29.69%
EPS Next 3Y18.88%
PMT Yearly Income VS Free CF VS DividendPMT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -2B -4B -6B
PMT Dividend Payout.PMT Dividend Payout, showing the Payout Ratio.PMT Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PMT Fundamentals: All Metrics, Ratios and Statistics

PENNYMAC MORTGAGE INVESTMENT

NYSE:PMT (4/8/2026, 8:04:00 PM)

Premarket: 11.59 -0.41 (-3.42%)

12

+0.22 (+1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-29
Earnings (Next)04-29
Inst Owners68.11%
Inst Owner Change0%
Ins Owners1.29%
Ins Owner Change10.32%
Market Cap1.04B
Revenue(TTM)1.18B
Net Income(TTM)85.86M
Analysts69.23
Price Target13.62 (13.5%)
Short Float %5.69%
Short Ratio4.11
Dividend
Industry RankSector Rank
Dividend Yield 14.29%
Yearly Dividend2.08
Dividend Growth(5Y)3.17%
DP211.02%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)35.12%
Min EPS beat(2)19.67%
Max EPS beat(2)50.57%
EPS beat(4)2
Avg EPS beat(4)-35.77%
Min EPS beat(4)-110.78%
Max EPS beat(4)50.57%
EPS beat(8)4
Avg EPS beat(8)-20.69%
EPS beat(12)7
Avg EPS beat(12)-5.68%
EPS beat(16)7
Avg EPS beat(16)-60.99%
Revenue beat(2)1
Avg Revenue beat(2)-2.04%
Min Revenue beat(2)-5.2%
Max Revenue beat(2)1.12%
Revenue beat(4)1
Avg Revenue beat(4)-20.71%
Min Revenue beat(4)-52.49%
Max Revenue beat(4)1.12%
Revenue beat(8)2
Avg Revenue beat(8)-14.71%
Revenue beat(12)3
Avg Revenue beat(12)-5.5%
Revenue beat(16)6
Avg Revenue beat(16)10.7%
PT rev (1m)0%
PT rev (3m)0.81%
EPS NQ rev (1m)-3.65%
EPS NQ rev (3m)-7.83%
EPS NY rev (1m)0%
EPS NY rev (3m)-4%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-5.19%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)-2.86%
Valuation
Industry RankSector Rank
PE 12.24
Fwd PE 7.5
P/S 0.89
P/FCF N/A
P/OCF N/A
P/B 0.55
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY8.17%
EPS(NY)1.6
Fwd EY13.33%
FCF(TTM)-82.89
FCFYN/A
OCF(TTM)-82.89
OCFYN/A
SpS13.54
BVpS21.69
TBVpS-20.19
PEG (NY)0.19
PEG (5Y)0.38
Graham Number21.87
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 4.55%
ROCE 0.72%
ROIC 0.35%
ROICexc 0.36%
ROICexgc 0.45%
OM 7.97%
PM (TTM) 7.29%
GM 16.02%
FCFM N/A
ROA(3y)0.81%
ROA(5y)0.36%
ROE(3y)6.24%
ROE(5y)2.78%
ROIC(3y)0.9%
ROIC(5y)0.67%
ROICexc(3y)0.92%
ROICexc(5y)0.68%
ROICexgc(3y)1.37%
ROICexgc(5y)1%
ROCE(3y)2.06%
ROCE(5y)1.54%
ROICexgc growth 3Y-6.31%
ROICexgc growth 5Y-8.54%
ROICexc growth 3Y-1.2%
ROICexc growth 5Y-8.28%
OM growth 3Y-3.39%
OM growth 5Y-5.49%
PM growth 3YN/A
PM growth 5Y14.72%
GM growth 3Y2.78%
GM growth 5Y2.04%
F-Score1
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 10.12
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.11
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.39
F-Score1
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-26.32%
EPS 3YN/A
EPS 5Y32.5%
EPS Q2Q%17.07%
EPS Next Y63.25%
EPS Next 2Y29.69%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue 1Y (TTM)12.3%
Revenue growth 3Y18.15%
Revenue growth 5Y9.79%
Sales Q2Q%-13.31%
Revenue Next Year25.96%
Revenue Next 2Y13.61%
Revenue Next 3Y10.96%
Revenue Next 5YN/A
EBIT growth 1Y-34.23%
EBIT growth 3Y14.14%
EBIT growth 5Y3.76%
EBIT Next Year685.74%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-166.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-166.87%
OCF growth 3YN/A
OCF growth 5YN/A

PENNYMAC MORTGAGE INVESTMENT / PMT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PMT.


Can you provide the valuation status for PENNYMAC MORTGAGE INVESTMENT?

ChartMill assigns a valuation rating of 5 / 10 to PENNYMAC MORTGAGE INVESTMENT (PMT). This can be considered as Fairly Valued.


Can you provide the profitability details for PENNYMAC MORTGAGE INVESTMENT?

PENNYMAC MORTGAGE INVESTMENT (PMT) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for PMT stock?

The Price/Earnings (PE) ratio for PENNYMAC MORTGAGE INVESTMENT (PMT) is 12.24 and the Price/Book (PB) ratio is 0.55.


Can you provide the financial health for PMT stock?

The financial health rating of PENNYMAC MORTGAGE INVESTMENT (PMT) is 1 / 10.