PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) Fundamental Analysis & Valuation

NYSE:PMTU • US70931T6082

Current stock price

25.59 USD
+0.17 (+0.68%)
Last:

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

3

1. PMTU Profitability Analysis

1.1 Basic Checks

  • PMTU had positive earnings in the past year.
  • PMTU had a negative operating cash flow in the past year.
  • Of the past 5 years PMTU 4 years were profitable.
  • In multiple years PMTU reported negative operating cash flow during the last 5 years.
PMTU Yearly Net Income VS EBIT VS OCF VS FCFPMTU 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

  • PMTU has a worse Return On Assets (0.40%) than 61.76% of its industry peers.
  • Looking at the Return On Equity, with a value of 4.55%, PMTU is in line with its industry, outperforming 41.18% of the companies in the same industry.
  • PMTU's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. PMTU is outperformed by 66.18% of its industry peers.
  • PMTU had an Average Return On Invested Capital over the past 3 years of 0.90%. This 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%
PMTU Yearly ROA, ROE, ROICPMTU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • With a Profit Margin value of 7.29%, PMTU is not doing good in the industry: 60.29% of the companies in the same industry are doing better.
  • PMTU's Profit Margin has improved in the last couple of years.
  • PMTU has a worse Operating Margin (7.97%) than 66.18% of its industry peers.
  • In the last couple of years the Operating Margin of PMTU has declined.
  • The Gross Margin of PMTU (16.02%) is worse than 82.35% of its industry peers.
  • In the last couple of years the Gross Margin of PMTU 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%
PMTU Yearly Profit, Operating, Gross MarginsPMTU 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. PMTU Health Analysis

2.1 Basic Checks

  • PMTU has about the same amout of shares outstanding than it did 1 year ago.
  • PMTU has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for PMTU is higher compared to a year ago.
PMTU Yearly Shares OutstandingPMTU Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PMTU Yearly Total Debt VS Total AssetsPMTU 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 -0.35, we must say that PMTU is in the distress zone and has some risk of bankruptcy.
  • PMTU has a Altman-Z score of -0.35. This is comparable to the rest of the industry: PMTU outperforms 50.00% of its industry peers.
  • PMTU has a Debt/Equity ratio of 10.12. This is a high value indicating a heavy dependency on external financing.
  • PMTU's Debt to Equity ratio of 10.12 is on the low side compared to the rest of the industry. PMTU is outperformed by 88.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.12
Debt/FCF N/A
Altman-Z -0.35
ROIC/WACCN/A
WACCN/A
PMTU Yearly LT Debt VS Equity VS FCFPMTU 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

  • PMTU has a Current Ratio of 0.05. This is a bad value and indicates that PMTU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of PMTU (0.05) is worse than 82.35% of its industry peers.
  • PMTU has a Quick Ratio of 0.05. This is a bad value and indicates that PMTU is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of PMTU (0.05) is worse than 82.35% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
PMTU Yearly Current Assets VS Current LiabilitesPMTU 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. PMTU Growth Analysis

3.1 Past

  • The earnings per share for PMTU have decreased strongly by -26.32% in the last year.
  • The Earnings Per Share has been growing by 32.50% on average over the past years. This is a very strong growth
  • The Revenue has grown by 12.30% in the past year. This is quite good.
  • The Revenue has been growing by 9.79% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, PMTU will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.88% on average per year.
  • Based on estimates for the next years, PMTU will show a quite strong growth in Revenue. The Revenue will grow by 10.96% on average per year.
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
PMTU Yearly Revenue VS EstimatesPMTU 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
PMTU Yearly EPS VS EstimatesPMTU 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

3

4. PMTU Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 26.11, PMTU can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, PMTU is valued a bit more expensive than the industry average as 72.06% of the companies are valued more cheaply.
  • PMTU is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 16.00, which indicates a correct valuation of PMTU.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMTU is on the same level as its industry peers.
  • PMTU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.69.
Industry RankSector Rank
PE 26.11
Fwd PE 16
PMTU Price Earnings VS Forward Price EarningsPMTU 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
PMTU Per share dataPMTU 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.
  • PMTU's earnings are expected to grow with 18.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)0.8
EPS Next 2Y29.69%
EPS Next 3Y18.88%

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

5

5. PMTU Dividend Analysis

5.1 Amount

  • PMTU has a Yearly Dividend Yield of 14.29%, which is a nice return.
  • Compared to an average industry Dividend Yield of 13.66, PMTU has a dividend in line with its industry peers.
  • PMTU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 14.29%

5.2 History

  • The dividend of PMTU has a limited annual growth rate of 3.17%.
  • PMTU has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)3.17%
Div Incr Years0
Div Non Decr Years0
PMTU Yearly Dividends per sharePMTU Yearly Dividends per shareYearly Dividends per share 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • PMTU pays out 211.02% of its income as dividend. This is not a sustainable payout ratio.
  • PMTU's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP211.02%
EPS Next 2Y29.69%
EPS Next 3Y18.88%
PMTU Yearly Income VS Free CF VS DividendPMTU 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
PMTU Dividend Payout.PMTU Dividend Payout, showing the Payout Ratio.PMTU Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PMTU Fundamentals: All Metrics, Ratios and Statistics

PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28

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

25.59

+0.17 (+0.68%)

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 ChangeN/A
Ins Owners1.29%
Ins Owner ChangeN/A
Market Cap2.23B
Revenue(TTM)1.18B
Net Income(TTM)85.86M
Analysts69.23
Price Target28.98 (13.25%)
Short Float %0%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 14.29%
Yearly Dividend2.08
Dividend Growth(5Y)3.17%
DP211.02%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13
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)11.42%
EPS NQ rev (1m)-3.9%
EPS NQ rev (3m)-7.83%
EPS NY rev (1m)-2.39%
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 26.11
Fwd PE 16
P/S 1.89
P/FCF N/A
P/OCF N/A
P/B 1.18
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY3.83%
EPS(NY)1.6
Fwd EY6.25%
FCF(TTM)-82.89
FCFYN/A
OCF(TTM)-82.89
OCFYN/A
SpS13.54
BVpS21.69
TBVpS-20.19
PEG (NY)0.41
PEG (5Y)0.8
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 -0.35
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 MTGE INVESTMENT - PMT 8 1/2 09/30/28 / PMTU Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28?

ChartMill assigns a fundamental rating of 3 / 10 to PMTU.


What is the valuation status of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) stock?

ChartMill assigns a valuation rating of 3 / 10 to PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU). This can be considered as Overvalued.


What is the profitability of PMTU stock?

PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) has a profitability rating of 3 / 10.


What is the valuation of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is 26.11 and the Price/Book (PB) ratio is 1.18.


What is the financial health of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) stock?

The financial health rating of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is 1 / 10.