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

NYSE:PMTU • US70931T6082

25.79 USD
+0.08 (+0.31%)
Last: Mar 3, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PMTU. PMTU was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. There are concerns on the financial health of PMTU while its profitability can be described as average. PMTU is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. PMTU Profitability Analysis

1.1 Basic Checks

  • PMTU had positive earnings in the past year.
  • In the past year PMTU has reported a negative cash flow from operations.
  • Of the past 5 years PMTU 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: PMTU reported negative operating cash flow in multiple 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

  • Looking at the Return On Assets, with a value of 0.40%, PMTU is in line with its industry, outperforming 45.59% of the companies in the same industry.
  • PMTU's Return On Equity of 4.55% is in line compared to the rest of the industry. PMTU outperforms 52.94% of its industry peers.
  • With a Return On Invested Capital value of 0.35%, PMTU perfoms like the industry average, outperforming 45.59% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for PMTU is in line with the industry average of 1.22%.
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

  • PMTU has a Profit Margin (7.29%) which is comparable to the rest of the industry.
  • PMTU's Profit Margin has improved in the last couple of years.
  • PMTU's Operating Margin of 7.97% is in line compared to the rest of the industry. PMTU outperforms 42.65% of its industry peers.
  • In the last couple of years the Operating Margin of PMTU has declined.
  • Looking at the Gross Margin, with a value of 16.02%, PMTU is doing worse than 79.41% of the companies in the same industry.
  • PMTU's Gross Margin has improved in the last couple of years.
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.
  • Compared to 1 year ago, PMTU has a worse debt to assets ratio.
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

  • PMTU has an Altman-Z score of -0.35. This is a bad value and indicates that PMTU is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.35, PMTU is in line with its industry, outperforming 48.53% of the companies in the same industry.
  • PMTU has a Debt/Equity ratio of 10.12. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 10.12, PMTU is not doing good in the industry: 88.24% of the companies in the same industry are doing better.
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

  • A Current Ratio of 0.05 indicates that PMTU may have some problems paying its short term obligations.
  • PMTU has a worse Current ratio (0.05) than 80.88% of its industry peers.
  • A Quick Ratio of 0.05 indicates that PMTU may have some problems paying its short term obligations.
  • PMTU's Quick ratio of 0.05 is on the low side compared to the rest of the industry. PMTU is outperformed by 80.88% 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.
  • Measured over the past years, PMTU shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.50% on average per year.
  • The Revenue has grown by 12.30% in the past year. This is quite good.
  • PMTU shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.79% yearly.
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.
  • The Revenue is expected to grow by 10.96% on average over the next years. This is quite good.
EPS Next Y67.25%
EPS Next 2Y31.43%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue Next Year25.84%
Revenue Next 2Y13.45%
Revenue Next 3Y10.96%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
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 26.32, PMTU can be considered very expensive at the moment.
  • Compared to the rest of the industry, the Price/Earnings ratio of PMTU indicates a slightly more expensive valuation: PMTU is more expensive than 70.59% of the companies listed in the same industry.
  • PMTU's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.83.
  • Based on the Price/Forward Earnings ratio of 15.73, the valuation of PMTU can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PMTU.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. PMTU is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 26.32
Fwd PE 15.73
PMTU Price Earnings VS Forward Price EarningsPMTU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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)0.39
PEG (5Y)0.81
EPS Next 2Y31.43%
EPS Next 3Y18.88%

More info and screens

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

5

5. PMTU Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.00%, PMTU is a good candidate for dividend investing.
  • PMTU's Dividend Yield is a higher than the industry average which is at 11.21.
  • PMTU's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 13%

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 Years1
Div Non Decr Years1
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 2Y31.43%
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 (3/3/2026, 8:04:00 PM)

25.79

+0.08 (+0.31%)

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 ChangeN/A
Ins Owners0.96%
Ins Owner ChangeN/A
Market Cap2.24B
Revenue(TTM)1.18B
Net Income(TTM)85.86M
Analysts69.23
Price Target28.98 (12.37%)
Short Float %0%
Short Ratio0.58
Dividend
Industry RankSector Rank
Dividend Yield 13%
Yearly Dividend2.08
Dividend Growth(5Y)3.17%
DP211.02%
Div Incr Years1
Div Non Decr Years1
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)10.45%
PT rev (3m)4.81%
EPS NQ rev (1m)-4.09%
EPS NQ rev (3m)-4.7%
EPS NY rev (1m)-1.64%
EPS NY rev (3m)-0.89%
Revenue NQ rev (1m)-5%
Revenue NQ rev (3m)-5%
Revenue NY rev (1m)-2.95%
Revenue NY rev (3m)-2.22%
Valuation
Industry RankSector Rank
PE 26.32
Fwd PE 15.73
P/S 1.91
P/FCF N/A
P/OCF N/A
P/B 1.19
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY3.8%
EPS(NY)1.64
Fwd EY6.36%
FCF(TTM)-82.89
FCFYN/A
OCF(TTM)-82.89
OCFYN/A
SpS13.54
BVpS21.69
TBVpS-20.19
PEG (NY)0.39
PEG (5Y)0.81
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 Y67.25%
EPS Next 2Y31.43%
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 Year25.84%
Revenue Next 2Y13.45%
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 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 4 / 10 to PMTU.


Can you provide the valuation status for PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28?

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.


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 4 / 10.


Can you provide the expected EPS growth for PMTU stock?

The Earnings per Share (EPS) of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is expected to grow by 67.25% in the next year.


Can you provide the dividend sustainability for PMTU stock?

The dividend rating of PENNYMAC MTGE INVESTMENT - PMT 8 1/2 09/30/28 (PMTU) is 5 / 10 and the dividend payout ratio is 211.02%.