PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PMTW - US70931T8062
25.27 USD
+0.03 (+0.12%)
PMTW gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. PMTW may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, PMTW is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
PMTW had positive earnings in the past year.
PMTW had a negative operating cash flow in the past year.
PMTW had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: PMTW reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of PMTW (0.43%) is comparable to the rest of the industry.
PMTW has a Return On Equity (4.24%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 0.51%, PMTW is in line with its industry, outperforming 49.28% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PMTW 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
PMTW has a Profit Margin of 7.09%. This is comparable to the rest of the industry: PMTW outperforms 53.62% of its industry peers.
PMTW's Profit Margin has declined in the last couple of years.
PMTW has a Operating Margin (10.03%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of PMTW has declined.
PMTW has a worse Gross Margin (17.95%) than 69.57% of its industry peers.
PMTW'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
Compared to 1 year ago, PMTW has more shares outstanding
Compared to 5 years ago, PMTW has less shares outstanding
The debt/assets ratio for PMTW is higher compared to a year ago.
2.2 Solvency
PMTW has an Altman-Z score of -0.38. This is a bad value and indicates that PMTW is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of PMTW (-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 PMTW has dependencies on debt financing.
PMTW has a Debt to Equity ratio of 8.66. This is amonst the worse of the industry: PMTW underperforms 85.51% 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 PMTW may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.04, PMTW is doing worse than 79.71% of the companies in the same industry.
A Quick Ratio of 0.04 indicates that PMTW may have some problems paying its short term obligations.
PMTW has a worse Quick ratio (0.04) than 79.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
PMTW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -33.09%.
PMTW shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.43% yearly.
PMTW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.82%.
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%-62.56%
3.2 Future
Based on estimates for the next years, PMTW will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.03% on average per year.
PMTW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.12% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 27.77, PMTW can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of PMTW indicates a slightly more expensive valuation: PMTW is more expensive than 63.77% of the companies listed in the same industry.
PMTW is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 15.28, PMTW is valued correctly.
The rest of the industry has a similar Price/Forward Earnings ratio as PMTW.
When comparing the Price/Forward Earnings ratio of PMTW to the average of the S&P500 Index (35.40), we can say PMTW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 27.77 | ||
| Fwd PE | 15.28 |
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
PMTW has a Yearly Dividend Yield of 12.38%, which is a nice return.
PMTW's Dividend Yield is comparable with the industry average which is at 13.00.
Compared to an average S&P500 Dividend Yield of 2.32, PMTW pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.38% |
5.2 History
The dividend of PMTW has a limited annual growth rate of 0.26%.
PMTW does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)0.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
PMTW pays out 227.39% of its income as dividend. This is not a sustainable payout ratio.
The dividend of PMTW 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 9 06/15/30
NYSE:PMTW (12/4/2025, 8:04:00 PM)
25.27
+0.03 (+0.12%)
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 Cap2.20B
Revenue(TTM)1.12B
Net Income(TTM)79.68M
Analysts67.69
Price Target27.7 (9.62%)
Short Float %0%
Short Ratio0.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.38% |
Yearly Dividend2.09
Dividend Growth(5Y)0.26%
DP227.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)6
Avg Revenue beat(8)81.15%
Revenue beat(12)10
Avg Revenue beat(12)135.38%
Revenue beat(16)12
Avg Revenue beat(16)109.45%
PT rev (1m)1.31%
PT rev (3m)-1.1%
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 | 27.77 | ||
| Fwd PE | 15.28 | ||
| P/S | 1.96 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.17 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)0.91
EY3.6%
EPS(NY)1.65
Fwd EY6.54%
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%-62.56%
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 9 06/15/30 / PMTW FAQ
What is the fundamental rating for PMTW stock?
ChartMill assigns a fundamental rating of 3 / 10 to PMTW.
What is the valuation status of PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) stock?
ChartMill assigns a valuation rating of 2 / 10 to PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW). This can be considered as Overvalued.
Can you provide the profitability details for PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30?
PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for PMTW stock?
The Price/Earnings (PE) ratio for PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) is 27.77 and the Price/Book (PB) ratio is 1.17.
How sustainable is the dividend of PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) stock?
The dividend rating of PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) is 4 / 10 and the dividend payout ratio is 227.39%.