PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) Fundamental Analysis & Valuation

NYSE:PMTW • US70931T8062

Current stock price

25.151 USD
+0.03 (+0.12%)
Last:

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

3

1. PMTW Profitability Analysis

1.1 Basic Checks

  • In the past year PMTW was profitable.
  • PMTW had a negative operating cash flow in the past year.
  • Of the past 5 years PMTW 4 years were profitable.
  • The reported operating cash flow has been mixed in the past 5 years: PMTW reported negative operating cash flow in multiple years.
PMTW Yearly Net Income VS EBIT VS OCF VS FCFPMTW 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

  • The Return On Assets of PMTW (0.40%) is comparable to the rest of the industry.
  • PMTW's Return On Equity of 4.55% is in line compared to the rest of the industry. PMTW outperforms 44.12% of its industry peers.
  • The Return On Invested Capital of PMTW (0.35%) is worse than 63.24% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PMTW 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%
PMTW Yearly ROA, ROE, ROICPMTW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.29%, PMTW is in line with its industry, outperforming 42.65% of the companies in the same industry.
  • PMTW's Profit Margin has improved in the last couple of years.
  • PMTW has a worse Operating Margin (7.97%) than 63.24% of its industry peers.
  • PMTW's Operating Margin has declined in the last couple of years.
  • With a Gross Margin value of 16.02%, PMTW is not doing good in the industry: 79.41% of the companies in the same industry are doing better.
  • In the last couple of years the Gross Margin of PMTW 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%
PMTW Yearly Profit, Operating, Gross MarginsPMTW 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. PMTW Health Analysis

2.1 Basic Checks

  • PMTW has about the same amout of shares outstanding than it did 1 year ago.
  • PMTW has less shares outstanding than it did 5 years ago.
  • PMTW has a worse debt/assets ratio than last year.
PMTW Yearly Shares OutstandingPMTW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PMTW Yearly Total Debt VS Total AssetsPMTW 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 PMTW is in the distress zone and has some risk of bankruptcy.
  • PMTW's Altman-Z score of -0.35 is in line compared to the rest of the industry. PMTW outperforms 47.06% of its industry peers.
  • A Debt/Equity ratio of 10.12 is on the high side and indicates that PMTW has dependencies on debt financing.
  • PMTW's Debt to Equity ratio of 10.12 is on the low side compared to the rest of the industry. PMTW is outperformed by 85.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 10.12
Debt/FCF N/A
Altman-Z -0.35
ROIC/WACCN/A
WACCN/A
PMTW Yearly LT Debt VS Equity VS FCFPMTW 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 PMTW may have some problems paying its short term obligations.
  • PMTW has a Current ratio of 0.05. This is in the lower half of the industry: PMTW underperforms 79.41% of its industry peers.
  • A Quick Ratio of 0.05 indicates that PMTW may have some problems paying its short term obligations.
  • PMTW has a worse Quick ratio (0.05) than 79.41% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
PMTW Yearly Current Assets VS Current LiabilitesPMTW 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. PMTW Growth Analysis

3.1 Past

  • PMTW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.32%.
  • Measured over the past years, PMTW shows a very strong growth in Earnings Per Share. The EPS has been growing by 32.50% on average per year.
  • PMTW shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.30%.
  • 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

  • PMTW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.88% yearly.
  • The Revenue is expected to grow by 10.96% on average over the next years. This is quite good.
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

  • 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.
PMTW Yearly Revenue VS EstimatesPMTW 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
PMTW Yearly EPS VS EstimatesPMTW 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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3

4. PMTW Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 25.66 indicates a quite expensive valuation of PMTW.
  • 67.65% of the companies in the same industry are cheaper than PMTW, based on the Price/Earnings ratio.
  • PMTW's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.91.
  • PMTW is valuated correctly with a Price/Forward Earnings ratio of 15.72.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMTW is on the same level as its industry peers.
  • PMTW is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 25.66
Fwd PE 15.72
PMTW Price Earnings VS Forward Price EarningsPMTW 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
PMTW Per share dataPMTW 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.
  • A more expensive valuation may be justified as PMTW's earnings are expected to grow with 18.88% in the coming years.
PEG (NY)0.41
PEG (5Y)0.79
EPS Next 2Y29.69%
EPS Next 3Y18.88%

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

4

5. PMTW Dividend Analysis

5.1 Amount

  • PMTW has a Yearly Dividend Yield of 14.29%, which is a nice return.
  • PMTW's Dividend Yield is comparable with the industry average which is at 13.66.
  • PMTW'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 PMTW has a limited annual growth rate of 3.17%.
  • PMTW is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)3.17%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • PMTW pays out 211.02% 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.
DP211.02%
EPS Next 2Y29.69%
EPS Next 3Y18.88%
PMTW Yearly Income VS Free CF VS DividendPMTW 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
PMTW Dividend Payout.PMTW Dividend Payout, showing the Payout Ratio.PMTW Dividend Payout.PayoutRetained Earnings

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PMTW Fundamentals: All Metrics, Ratios and Statistics

PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30

NYSE:PMTW (4/8/2026, 7:58:30 PM)

25.151

+0.03 (+0.12%)

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 Cap2.19B
Revenue(TTM)1.18B
Net Income(TTM)85.86M
Analysts69.23
Price Target28.96 (15.14%)
Short Float %0%
Short Ratio0.06
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-DateN/A
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)5
Avg Revenue beat(8)58.55%
Revenue beat(12)9
Avg Revenue beat(12)127.06%
Revenue beat(16)12
Avg Revenue beat(16)110.12%
PT rev (1m)0%
PT rev (3m)10.68%
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 25.66
Fwd PE 15.72
P/S 1.86
P/FCF N/A
P/OCF N/A
P/B 1.16
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY3.9%
EPS(NY)1.6
Fwd EY6.36%
FCF(TTM)-82.89
FCFYN/A
OCF(TTM)-82.89
OCFYN/A
SpS13.54
BVpS21.69
TBVpS-20.19
PEG (NY)0.41
PEG (5Y)0.79
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 9 06/15/30 / PMTW Fundamental Analysis FAQ

What is the fundamental rating for PMTW stock?

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


What is the valuation status for PMTW stock?

ChartMill assigns a valuation rating of 3 / 10 to PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW). This can be considered as Overvalued.


What is the profitability of PMTW stock?

PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) has a profitability rating of 3 / 10.


Can you provide the financial health for PMTW stock?

The financial health rating of PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) is 1 / 10.


Can you provide the dividend sustainability for PMTW stock?

The dividend rating of PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) is 4 / 10 and the dividend payout ratio is 211.02%.