PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PMTU - US70931T6082
25.38 USD
-0.01 (-0.02%)
Overall PMTU gets a fundamental rating of 3 out of 10. We evaluated PMTU against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. PMTU may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PMTU is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year PMTU was profitable.
In the past year PMTU has reported a negative cash flow from operations.
PMTU had positive earnings in 4 of the past 5 years.
In multiple years PMTU reported negative operating cash flow during the last 5 years.
1.2 Ratios
PMTU has a Return On Assets (0.43%) which is comparable to the rest of the industry.
PMTU has a Return On Equity of 4.24%. This is comparable to the rest of the industry: PMTU outperforms 54.41% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.51%, PMTU is in line with its industry, outperforming 50.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PMTU is in line with the industry average of 1.28%.
| Industry Rank | Sector 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%
1.3 Margins
PMTU's Profit Margin of 7.09% is in line compared to the rest of the industry. PMTU outperforms 55.88% of its industry peers.
PMTU's Profit Margin has declined in the last couple of years.
PMTU has a Operating Margin (10.03%) which is in line with its industry peers.
PMTU's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 17.95%, PMTU is not doing good in the industry: 69.12% of the companies in the same industry are doing better.
In the last couple of years the Gross Margin of PMTU has declined.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
The number of shares outstanding for PMTU has been increased compared to 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.
2.2 Solvency
Based on the Altman-Z score of -0.38, we must say that PMTU is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PMTU (-0.38) is comparable to the rest of the industry.
A Debt/Equity ratio of 8.66 is on the high side and indicates that PMTU has dependencies on debt financing.
PMTU has a worse Debt to Equity ratio (8.66) than 85.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 8.66 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.38 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.04 indicates that PMTU may have some problems paying its short term obligations.
The Current ratio of PMTU (0.04) is worse than 80.88% of its industry peers.
A Quick Ratio of 0.04 indicates that PMTU may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.04, PMTU is doing worse than 80.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
PMTU shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.09%.
Measured over the past years, PMTU shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.43% on average per year.
Looking at the last year, PMTU shows a quite strong growth in Revenue. The Revenue has grown by 9.82% in the last year.
The Revenue has been growing slightly by 5.93% on average over the past years.
EPS 1Y (TTM)-33.09%
EPS 3Y72.3%
EPS 5Y-11.43%
EPS Q2Q%52.78%
Revenue 1Y (TTM)9.82%
Revenue growth 3Y13.1%
Revenue growth 5Y5.93%
Sales Q2Q%22.71%
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 8.99% 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 10.12% on average per year.
EPS Next Y-32.41%
EPS Next 2Y11.94%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue Next Year-4.73%
Revenue Next 2Y11.15%
Revenue Next 3Y10.12%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 27.89, which means the current valuation is very expensive for PMTU.
Based on the Price/Earnings ratio, PMTU is valued a bit more expensive than 63.24% of the companies in the same industry.
PMTU is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 15.23 indicates a correct valuation of PMTU.
PMTU's Price/Forward Earnings ratio is in line with the industry average.
PMTU's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.89 | ||
| Fwd PE | 15.23 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.94%
EPS Next 3Y8.99%
5. Dividend
5.1 Amount
PMTU has a Yearly Dividend Yield of 12.27%, which is a nice return.
PMTU's Dividend Yield is a higher than the industry average which is at 10.99.
Compared to an average S&P500 Dividend Yield of 2.00, PMTU pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.27% |
5.2 History
The dividend of PMTU has a limited annual growth rate of 0.26%.
PMTU has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)0.26%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
227.39% of the earnings are spent on dividend by PMTU. This is not a sustainable payout ratio.
The dividend of PMTU is growing, but earnings are growing more, so the dividend growth is sustainable.
DP227.39%
EPS Next 2Y11.94%
EPS Next 3Y8.99%
PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28
NYSE:PMTU (12/31/2025, 4:15:00 PM)
25.38
-0.01 (-0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners70.69%
Inst Owner ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap2.21B
Revenue(TTM)1.12B
Net Income(TTM)79.68M
Analysts67.69
Price Target26 (2.44%)
Short Float %0%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.27% |
Yearly Dividend2.09
Dividend Growth(5Y)0.26%
DP227.39%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-5.94%
PT rev (3m)-7.6%
EPS NQ rev (1m)-2.18%
EPS NQ rev (3m)7.82%
EPS NY rev (1m)9.43%
EPS NY rev (3m)30.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.19%
Revenue NY rev (1m)0.94%
Revenue NY rev (3m)0.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.89 | ||
| Fwd PE | 15.23 | ||
| P/S | 1.96 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)0.91
EY3.59%
EPS(NY)1.67
Fwd EY6.57%
FCF(TTM)-63.53
FCFYN/A
OCF(TTM)-63.53
OCFYN/A
SpS12.92
BVpS21.6
TBVpS-20.56
PEG (NY)N/A
PEG (5Y)N/A
Graham Number21.03
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | -0.38 |
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)-33.09%
EPS 3Y72.3%
EPS 5Y-11.43%
EPS Q2Q%52.78%
EPS Next Y-32.41%
EPS Next 2Y11.94%
EPS Next 3Y8.99%
EPS Next 5YN/A
Revenue 1Y (TTM)9.82%
Revenue growth 3Y13.1%
Revenue growth 5Y5.93%
Sales Q2Q%22.71%
Revenue Next Year-4.73%
Revenue Next 2Y11.15%
Revenue Next 3Y10.12%
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 MTGE INVESTMENT - PMT 8 1/2 09/30/28 / PMTU 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 for PMTU stock?
ChartMill assigns a valuation rating of 1 / 10 to PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU). This can be considered as Overvalued.
Can you provide the profitability details for PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28?
PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) has a profitability rating of 3 / 10.
How financially healthy is PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28?
The financial health rating of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is 1 / 10.
Is the dividend of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 sustainable?
The dividend rating of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is 5 / 10 and the dividend payout ratio is 227.39%.