PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30 (PMTW) Stock Fundamental Analysis
USA - NYSE:PMTW - US70931T8062
25.33 USD
-0.07 (-0.28%)
We assign a fundamental rating of 3 out of 10 to PMTW. PMTW was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. PMTW has a medium profitability rating, but doesn't score so well on its financial health evaluation. PMTW is valied quite expensively at the moment, while it does show a decent growth rate.
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.
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.
1.2 Ratios
PMTW has a Return On Assets of 0.37%. This is in the better half of the industry: PMTW outperforms 65.67% of its industry peers.
Looking at the Return On Equity, with a value of 3.37%, PMTW is in the better half of the industry, outperforming 61.19% of the companies in the same industry.
With a decent Return On Invested Capital value of 0.46%, PMTW is doing good in the industry, outperforming 62.69% 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 1.28%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 3.37% | ||
| ROIC | 0.46% |
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 (5.92%) which is comparable to the rest of the industry.
PMTW's Profit Margin has declined in the last couple of years.
With a Operating Margin value of 8.70%, PMTW perfoms like the industry average, outperforming 55.22% of the companies in the same industry.
PMTW's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 16.53%, PMTW is in line with its industry, outperforming 47.76% of the companies in the same industry.
In the last couple of years the Gross Margin of PMTW has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.7% | ||
| PM (TTM) | 5.92% | ||
| GM | 16.53% |
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
PMTW has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, PMTW has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.36, we must say that PMTW is in the distress zone and has some risk of bankruptcy.
PMTW has a Altman-Z score (-0.36) which is comparable to the rest of the industry.
A Debt/Equity ratio of 7.80 is on the high side and indicates that PMTW has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 7.80, PMTW is doing worse than 74.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.8 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.36 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.06 indicates that PMTW may have some problems paying its short term obligations.
PMTW's Current ratio of 0.06 is on the low side compared to the rest of the industry. PMTW is outperformed by 74.63% of its industry peers.
PMTW has a Quick Ratio of 0.06. This is a bad value and indicates that PMTW is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of PMTW (0.06) is worse than 74.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
PMTW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -52.32%.
The earnings per share for PMTW have been decreasing by -11.43% on average. This is quite bad
PMTW shows a decrease in Revenue. In the last year, the revenue decreased by -4.01%.
Measured over the past years, PMTW shows a small growth in Revenue. The Revenue has been growing by 5.93% on average per year.
EPS 1Y (TTM)-52.32%
EPS 3Y72.3%
EPS 5Y-11.43%
EPS Q2Q%-123.53%
Revenue 1Y (TTM)-4.01%
Revenue growth 3Y13.1%
Revenue growth 5Y5.93%
Sales Q2Q%-71.12%
3.2 Future
The Earnings Per Share is expected to grow by 6.60% on average over the next years.
The Revenue is expected to grow by 11.60% on average over the next years. This is quite good.
EPS Next Y-48.36%
EPS Next 2Y8.96%
EPS Next 3Y6.6%
EPS Next 5YN/A
Revenue Next Year-4.86%
Revenue Next 2Y10.3%
Revenue Next 3Y11.6%
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
With a Price/Earnings ratio of 35.18, PMTW can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PMTW is valued a bit more expensive than the industry average as 64.18% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 27.79, PMTW is valued a bit more expensive.
A Price/Forward Earnings ratio of 16.04 indicates a correct valuation of PMTW.
62.69% of the companies in the same industry are cheaper than PMTW, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PMTW to the average of the S&P500 Index (23.21), we can say PMTW is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.18 | ||
| Fwd PE | 16.04 |
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 2Y8.96%
EPS Next 3Y6.6%
5. Dividend
5.1 Amount
PMTW has a Yearly Dividend Yield of 8.17%, which is a nice return.
PMTW's Dividend Yield is slightly below the industry average, which is at 11.22.
PMTW's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.17% |
5.2 History
The dividend of PMTW has a limited annual growth rate of 0.26%.
PMTW is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)0.26%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
288.01% of the earnings are spent on dividend by PMTW. This is not a sustainable payout ratio.
PMTW's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP288.01%
EPS Next 2Y8.96%
EPS Next 3Y6.6%
PENNYMAC MTGE INVESTMENT - PMT 9 06/15/30
NYSE:PMTW (10/2/2025, 1:12:37 PM)
25.33
-0.07 (-0.28%)
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
Analysts67.69
Price Target27.32 (7.86%)
Short Float %0%
Short Ratio0.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.17% |
Yearly Dividend2.09
Dividend Growth(5Y)0.26%
DP288.01%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-106.66%
Min EPS beat(2)-110.78%
Max EPS beat(2)-102.55%
EPS beat(4)1
Avg EPS beat(4)-50.49%
Min EPS beat(4)-110.78%
Max EPS beat(4)12.58%
EPS beat(8)4
Avg EPS beat(8)-16.6%
EPS beat(12)5
Avg EPS beat(12)-29.4%
EPS beat(16)5
Avg EPS beat(16)-87.62%
Revenue beat(2)0
Avg Revenue beat(2)-39.38%
Min Revenue beat(2)-52.49%
Max Revenue beat(2)-26.28%
Revenue beat(4)2
Avg Revenue beat(4)30.91%
Min Revenue beat(4)-52.49%
Max Revenue beat(4)188.66%
Revenue beat(8)6
Avg Revenue beat(8)118.87%
Revenue beat(12)10
Avg Revenue beat(12)145.61%
Revenue beat(16)11
Avg Revenue beat(16)108.01%
PT rev (1m)-2.46%
PT rev (3m)N/A
EPS NQ rev (1m)1.4%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-8.32%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 35.18 | ||
| Fwd PE | 16.04 | ||
| P/S | 2.08 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.18 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)0.72
EY2.84%
EPS(NY)1.58
Fwd EY6.23%
FCF(TTM)-59.92
FCFYN/A
OCF(TTM)-59.92
OCFYN/A
SpS12.2
BVpS21.44
TBVpS-21.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.37% | ||
| ROE | 3.37% | ||
| ROCE | 0.96% | ||
| ROIC | 0.46% | ||
| ROICexc | 0.47% | ||
| ROICexgc | 0.63% | ||
| OM | 8.7% | ||
| PM (TTM) | 5.92% | ||
| GM | 16.53% | ||
| 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%
ROICexcg growth 3Y52.36%
ROICexcg 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-Score2
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.8 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.13 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.36 |
F-Score2
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)-52.32%
EPS 3Y72.3%
EPS 5Y-11.43%
EPS Q2Q%-123.53%
EPS Next Y-48.36%
EPS Next 2Y8.96%
EPS Next 3Y6.6%
EPS Next 5YN/A
Revenue 1Y (TTM)-4.01%
Revenue growth 3Y13.1%
Revenue growth 5Y5.93%
Sales Q2Q%-71.12%
Revenue Next Year-4.86%
Revenue Next 2Y10.3%
Revenue Next 3Y11.6%
Revenue Next 5YN/A
EBIT growth 1Y-57.96%
EBIT growth 3Y47.27%
EBIT growth 5Y-5.63%
EBIT Next Year551.59%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-713.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-713.11%
OCF growth 3YN/A
OCF growth 5YN/A