PENNYMAC MORTGAGE INVESTMENT (PMT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PMT • US70931T1034

12.29 USD
+0.11 (+0.9%)
Last: Feb 11, 2026, 09:52 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, PMT scores 3 out of 10 in our fundamental rating. PMT was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. PMT may be in some trouble as it scores bad on both profitability and health. PMT has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PMT had positive earnings in the past year.
  • In the past year PMT has reported a negative cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PMT reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: PMT reported negative operating cash flow in multiple 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 0 1B -1B -2B

1.2 Ratios

  • The Return On Assets of PMT (0.43%) is comparable to the rest of the industry.
  • PMT has a Return On Equity (4.24%) which is in line with its industry peers.
  • PMT's Return On Invested Capital of 0.51% is in line compared to the rest of the industry. PMT outperforms 52.86% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PMT is in line with the industry average of 1.26%.
Industry RankSector Rank
ROA 0.43%
ROE 4.24%
ROIC 0.51%
ROA(3y)0.4%
ROA(5y)0.32%
ROE(3y)2.76%
ROE(5y)2.11%
ROIC(3y)0.94%
ROIC(5y)0.73%
PMT Yearly ROA, ROE, ROICPMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

  • PMT has a Profit Margin of 7.09%. This is comparable to the rest of the industry: PMT outperforms 58.57% of its industry peers.
  • In the last couple of years the Profit Margin of PMT has declined.
  • PMT has a Operating Margin of 10.03%. This is comparable to the rest of the industry: PMT outperforms 54.29% of its industry peers.
  • In the last couple of years the Operating Margin of PMT has declined.
  • With a Gross Margin value of 17.95%, PMT is not doing good in the industry: 67.14% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of PMT has declined.
Industry RankSector Rank
OM 10.03%
PM (TTM) 7.09%
GM 17.95%
OM growth 3Y30.21%
OM growth 5Y-10.92%
PM growth 3Y47.37%
PM growth 5Y-15.02%
GM growth 3Y21.41%
GM growth 5Y-6.35%
PMT Yearly Profit, Operating, Gross MarginsPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • There is no outstanding debt for PMT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PMT Yearly Shares OutstandingPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.43, we must say that PMT is in the distress zone and has some risk of bankruptcy.
  • PMT has a Altman-Z score (-0.43) which is in line with its industry peers.
  • PMT has a Debt/Equity ratio of 8.66. This is a high value indicating a heavy dependency on external financing.
  • PMT has a Debt to Equity ratio of 8.66. This is amonst the worse of the industry: PMT underperforms 82.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 8.66
Debt/FCF N/A
Altman-Z -0.43
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 0 2B -2B 4B

2.3 Liquidity

  • PMT has a Current Ratio of 0.04. This is a bad value and indicates that PMT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • PMT's Current ratio of 0.04 is on the low side compared to the rest of the industry. PMT is outperformed by 80.00% of its industry peers.
  • PMT has a Quick Ratio of 0.04. This is a bad value and indicates that PMT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.04, PMT is doing worse than 80.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
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 2B 4B 6B

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

4

3. Growth

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.
EPS 1Y (TTM)-26.32%
EPS 3YN/A
EPS 5Y32.5%
EPS Q2Q%17.07%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
  • Based on estimates for the next years, PMT will show a quite strong growth in Revenue. The Revenue will grow by 13.96% on average per year.
EPS Next Y67.25%
EPS Next 2Y31.43%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue Next Year29.66%
Revenue Next 2Y18.39%
Revenue Next 3Y13.96%
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.
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. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.54, the valuation of PMT can be described as correct.
  • Compared to the rest of the industry, the Price/Earnings ratio of PMT indicates a somewhat cheap valuation: PMT is cheaper than 61.43% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.03, PMT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.50, the valuation of PMT can be described as very cheap.
  • 77.14% of the companies in the same industry are more expensive than PMT, based on the Price/Forward Earnings ratio.
  • PMT is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.54
Fwd PE 7.5
PMT Price Earnings VS Forward Price EarningsPMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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

4.3 Compensation for Growth

  • PMT's 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)0.39
EPS Next 2Y31.43%
EPS Next 3Y18.88%

More info and screens

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

6

5. Dividend

5.1 Amount

  • PMT has a Yearly Dividend Yield of 13.06%, which is a nice return.
  • Compared to an average industry Dividend Yield of 12.58, PMT pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, PMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.06%

5.2 History

  • The dividend of PMT has a limited annual growth rate of 0.26%.
  • PMT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PMT has decreased its dividend recently.
Dividend Growth(5Y)0.26%
Div Incr Years0
Div Non Decr Years1
PMT Yearly Dividends per sharePMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • PMT pays out 227.39% 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.
DP227.39%
EPS Next 2Y31.43%
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 0 1B -1B -2B
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

PENNYMAC MORTGAGE INVESTMENT

NYSE:PMT (2/11/2026, 9:52:56 AM)

12.29

+0.11 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners70.61%
Inst Owner Change-0.87%
Ins Owners0.96%
Ins Owner Change0.67%
Market Cap1.07B
Revenue(TTM)N/A
Net Income(TTM)79.68M
Analysts69.23
Price Target13.77 (12.04%)
Short Float %4.41%
Short Ratio3.1
Dividend
Industry RankSector Rank
Dividend Yield 13.06%
Yearly Dividend2.09
Dividend Growth(5Y)0.26%
DP227.39%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-30.1%
Min EPS beat(2)-110.78%
Max EPS beat(2)50.57%
EPS beat(4)2
Avg EPS beat(4)-37.54%
Min EPS beat(4)-110.78%
Max EPS beat(4)50.57%
EPS beat(8)4
Avg EPS beat(8)-18.79%
EPS beat(12)6
Avg EPS beat(12)-17.18%
EPS beat(16)6
Avg EPS beat(16)-72.42%
Revenue beat(2)1
Avg Revenue beat(2)-12.58%
Min Revenue beat(2)-26.28%
Max Revenue beat(2)1.12%
Revenue beat(4)2
Avg Revenue beat(4)-15.98%
Min Revenue beat(4)-52.49%
Max Revenue beat(4)13.74%
Revenue beat(8)2
Avg Revenue beat(8)-15.75%
Revenue beat(12)4
Avg Revenue beat(12)2.82%
Revenue beat(16)6
Avg Revenue beat(16)10.02%
PT rev (1m)1.89%
PT rev (3m)2.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)0%
EPS NY rev (3m)9.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 12.54
Fwd PE 7.5
P/S 0.95
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY7.97%
EPS(NY)1.64
Fwd EY13.34%
FCF(TTM)-63.53
FCFYN/A
OCF(TTM)-63.53
OCFYN/A
SpS12.92
BVpS21.6
TBVpS-20.56
PEG (NY)0.19
PEG (5Y)0.39
Graham Number21.82
Profitability
Industry RankSector Rank
ROA 0.43%
ROE 4.24%
ROCE 1.08%
ROIC 0.51%
ROICexc 0.51%
ROICexgc 0.66%
OM 10.03%
PM (TTM) 7.09%
GM 17.95%
FCFM N/A
ROA(3y)0.4%
ROA(5y)0.32%
ROE(3y)2.76%
ROE(5y)2.11%
ROIC(3y)0.94%
ROIC(5y)0.73%
ROICexc(3y)0.96%
ROICexc(5y)0.74%
ROICexgc(3y)1.45%
ROICexgc(5y)1.08%
ROCE(3y)2.12%
ROCE(5y)1.72%
ROICexgc growth 3Y52.36%
ROICexgc growth 5Y-5.33%
ROICexc growth 3Y46.74%
ROICexc growth 5Y-8.88%
OM growth 3Y30.21%
OM growth 5Y-10.92%
PM growth 3Y47.37%
PM growth 5Y-15.02%
GM growth 3Y21.41%
GM growth 5Y-6.35%
F-Score1
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 8.66
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.15
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.43
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 Y67.25%
EPS Next 2Y31.43%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-13.31%
Revenue Next Year29.66%
Revenue Next 2Y18.39%
Revenue Next 3Y13.96%
Revenue Next 5YN/A
EBIT growth 1Y-11.75%
EBIT growth 3Y47.27%
EBIT growth 5Y-5.63%
EBIT Next Year551.59%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-520.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-520.02%
OCF growth 3YN/A
OCF growth 5YN/A

PENNYMAC MORTGAGE INVESTMENT / PMT FAQ

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

ChartMill assigns a fundamental rating of 3 / 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.


How profitable is PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

PENNYMAC MORTGAGE INVESTMENT (PMT) has a profitability rating of 2 / 10.


What is the expected EPS growth for PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

The Earnings per Share (EPS) of PENNYMAC MORTGAGE INVESTMENT (PMT) is expected to grow by 67.25% in the next year.


Is the dividend of PENNYMAC MORTGAGE INVESTMENT sustainable?

The dividend rating of PENNYMAC MORTGAGE INVESTMENT (PMT) is 6 / 10 and the dividend payout ratio is 227.39%.