PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PMTU - US70931T6082
25.78 USD
-0.01 (-0.04%)
We assign a fundamental rating of 3 out of 10 to PMTU. PMTU was compared to 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. PMTU has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
PMTU had a negative operating cash flow in the past year.
PMTU had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: PMTU reported negative operating cash flow in multiple years.
1.2 Ratios
PMTU has a Return On Assets of 0.43%. This is comparable to the rest of the industry: PMTU outperforms 49.28% of its industry peers.
PMTU has a Return On Equity of 4.24%. This is comparable to the rest of the industry: PMTU outperforms 50.72% of its industry peers.
PMTU has a Return On Invested Capital (0.51%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for PMTU is in line with the industry average of 1.23%.
| 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 50.72% 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.
In the last couple of years the Operating Margin of PMTU has declined.
PMTU has a worse Gross Margin (17.95%) than 72.46% of its industry peers.
PMTU's Gross Margin has declined in the last couple of years.
| 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
PMTU has more 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.
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.
With a Altman-Z score value of -0.38, PMTU perfoms like the industry average, outperforming 44.93% of the companies in the same industry.
A Debt/Equity ratio of 8.66 is on the high side and indicates that PMTU has dependencies on debt financing.
The Debt to Equity ratio of PMTU (8.66) is worse than 88.41% 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.
PMTU has a Current ratio of 0.04. This is amonst the worse of the industry: PMTU underperforms 82.61% of its industry peers.
PMTU has a Quick Ratio of 0.04. This is a bad value and indicates that PMTU 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, PMTU is doing worse than 82.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The earnings per share for PMTU have decreased strongly by -33.09% in the last year.
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.
PMTU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.82%.
PMTU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.93% yearly.
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
PMTU is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.03% yearly.
The Revenue is expected to grow by 10.12% on average over the next years. This is quite good.
EPS Next Y-38.24%
EPS Next 2Y11.51%
EPS Next 3Y8.03%
EPS Next 5YN/A
Revenue Next Year-5.61%
Revenue Next 2Y10.73%
Revenue Next 3Y10.12%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 28.33, which means the current valuation is very expensive for PMTU.
Compared to the rest of the industry, the Price/Earnings ratio of PMTU indicates a slightly more expensive valuation: PMTU is more expensive than 66.67% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PMTU to the average of the S&P500 Index (26.41), we can say PMTU is valued inline with the index average.
With a Price/Forward Earnings ratio of 15.59, PMTU is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as PMTU.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, PMTU is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.33 | ||
| Fwd PE | 15.59 |
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 2Y11.51%
EPS Next 3Y8.03%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 12.38%, PMTU is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 13.00, PMTU has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, PMTU pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.38% |
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 2Y11.51%
EPS Next 3Y8.03%
PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28
NYSE:PMTU (12/4/2025, 8:04:00 PM)
25.78
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners70.53%
Inst Owner ChangeN/A
Ins Owners0.94%
Ins Owner ChangeN/A
Market Cap2.24B
Revenue(TTM)1.12B
Net Income(TTM)79.68M
Analysts67.69
Price Target27.65 (7.25%)
Short Float %0%
Short Ratio0.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.38% |
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)0.57%
PT rev (3m)-1.76%
EPS NQ rev (1m)5%
EPS NQ rev (3m)9.73%
EPS NY rev (1m)19.61%
EPS NY rev (3m)9.66%
Revenue NQ rev (1m)1.51%
Revenue NQ rev (3m)3.19%
Revenue NY rev (1m)-0.79%
Revenue NY rev (3m)-0.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 28.33 | ||
| Fwd PE | 15.59 | ||
| P/S | 1.99 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.19 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)0.91
EY3.53%
EPS(NY)1.65
Fwd EY6.42%
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-38.24%
EPS Next 2Y11.51%
EPS Next 3Y8.03%
EPS Next 5YN/A
Revenue 1Y (TTM)9.82%
Revenue growth 3Y13.1%
Revenue growth 5Y5.93%
Sales Q2Q%22.71%
Revenue Next Year-5.61%
Revenue Next 2Y10.73%
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 2 / 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%.