PENNYMAC MORTGAGE INVESTMENT (PMT) Fundamental Analysis & Valuation

NYSE:PMT • US70931T1034

Current stock price

12.12 USD
+0.17 (+1.42%)
At close:
11.92 USD
-0.2 (-1.65%)
After Hours:

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

3

1. PMT Profitability Analysis

1.1 Basic Checks

  • In the past year PMT was profitable.
  • PMT had a negative operating cash flow in the past year.
  • PMT had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: PMT reported negative operating cash flow in multiple years.
PMT Yearly Net Income VS EBIT VS OCF VS FCFPMT 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 PMT (0.40%) is comparable to the rest of the industry.
  • PMT's Return On Equity of 4.55% is in line compared to the rest of the industry. PMT outperforms 45.59% of its industry peers.
  • PMT's Return On Invested Capital of 0.35% is on the low side compared to the rest of the industry. PMT is outperformed by 61.76% of its industry peers.
  • PMT had an Average Return On Invested Capital over the past 3 years of 0.90%. This is in line with the industry average of 1.29%.
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%
PMT Yearly ROA, ROE, ROICPMT 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%, PMT is in line with its industry, outperforming 44.12% of the companies in the same industry.
  • In the last couple of years the Profit Margin of PMT has grown nicely.
  • Looking at the Operating Margin, with a value of 7.97%, PMT is doing worse than 61.76% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PMT has declined.
  • PMT has a Gross Margin of 16.02%. This is in the lower half of the industry: PMT underperforms 77.94% of its industry peers.
  • PMT'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%
PMT Yearly Profit, Operating, Gross MarginsPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. PMT Health Analysis

2.1 Basic Checks

  • PMT has about the same amout of shares outstanding than it did 1 year ago.
  • PMT has less shares outstanding than it did 5 years ago.
  • PMT has a worse debt/assets ratio than last year.
PMT Yearly Shares OutstandingPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
PMT Yearly Total Debt VS Total AssetsPMT 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 -0.39, we must say that PMT is in the distress zone and has some risk of bankruptcy.
  • PMT has a Altman-Z score (-0.39) which is comparable to the rest of the industry.
  • PMT 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, PMT is not doing good in the industry: 83.82% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 10.12
Debt/FCF N/A
Altman-Z -0.39
ROIC/WACCN/A
WACCN/A
PMT Yearly LT Debt VS Equity VS FCFPMT 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 PMT may have some problems paying its short term obligations.
  • PMT has a Current ratio of 0.05. This is in the lower half of the industry: PMT underperforms 77.94% of its industry peers.
  • A Quick Ratio of 0.05 indicates that PMT may have some problems paying its short term obligations.
  • PMT's Quick ratio of 0.05 is on the low side compared to the rest of the industry. PMT is outperformed by 77.94% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
PMT Yearly Current Assets VS Current LiabilitesPMT 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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PMT Growth Analysis

3.1 Past

  • PMT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.32%.
  • PMT shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 32.50% yearly.
  • PMT 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

  • The Earnings Per Share is expected to grow by 18.88% on average over the next years. This is quite good.
  • Based on estimates for the next years, PMT will show a quite strong growth in Revenue. The Revenue will grow by 10.62% on average per year.
EPS Next Y59.23%
EPS Next 2Y28.81%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue Next Year26.6%
Revenue Next 2Y13.39%
Revenue Next 3Y10.62%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
PMT Yearly Revenue VS EstimatesPMT 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
PMT Yearly EPS VS EstimatesPMT 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

More info and screens

Find the best growth stocksShow best growing peers

5

4. PMT Valuation Analysis

4.1 Price/Earnings Ratio

  • PMT is valuated correctly with a Price/Earnings ratio of 12.37.
  • Based on the Price/Earnings ratio, PMT is valued a bit cheaper than the industry average as 61.76% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 27.42. PMT is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.77 indicates a rather cheap valuation of PMT.
  • PMT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. PMT is cheaper than 75.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PMT to the average of the S&P500 Index (22.24), we can say PMT is valued rather cheaply.
Industry RankSector Rank
PE 12.37
Fwd PE 7.77
PMT Price Earnings VS Forward Price EarningsPMT 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
PMT Per share dataPMT 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 PMT's earnings are expected to grow with 18.88% in the coming years.
PEG (NY)0.21
PEG (5Y)0.38
EPS Next 2Y28.81%
EPS Next 3Y18.88%

More info and screens

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

6

5. PMT Dividend Analysis

5.1 Amount

  • PMT has a Yearly Dividend Yield of 13.39%, which is a nice return.
  • PMT's Dividend Yield is a higher than the industry average which is at 12.70.
  • Compared to an average S&P500 Dividend Yield of 1.81, PMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.39%

5.2 History

  • The dividend of PMT has a limited annual growth rate of 3.17%.
  • PMT has paid a dividend for at least 10 years, which is a reliable track record.
  • The dividend of PMT decreased in the last 3 years.
Dividend Growth(5Y)3.17%
Div Incr Years0
Div Non Decr Years2
PMT Yearly Dividends per sharePMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • PMT pays out 211.02% of its income as dividend. This is not a sustainable payout ratio.
  • PMT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP211.02%
EPS Next 2Y28.81%
EPS Next 3Y18.88%
PMT Yearly Income VS Free CF VS DividendPMT 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
PMT Dividend Payout.PMT Dividend Payout, showing the Payout Ratio.PMT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

PMT Fundamentals: All Metrics, Ratios and Statistics

PENNYMAC MORTGAGE INVESTMENT

NYSE:PMT (4/24/2026, 8:04:00 PM)

After market: 11.92 -0.2 (-1.65%)

12.12

+0.17 (+1.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)01-29
Earnings (Next)05-05
Inst Owners68.45%
Inst Owner Change-0.72%
Ins Owners1.29%
Ins Owner Change10.32%
Market Cap1.05B
Revenue(TTM)1.18B
Net Income(TTM)85.86M
Analysts69.23
Price Target13.41 (10.64%)
Short Float %5.8%
Short Ratio4.06
Dividend
Industry RankSector Rank
Dividend Yield 13.39%
Yearly Dividend2.08
Dividend Growth(5Y)3.17%
DP211.02%
Div Incr Years0
Div Non Decr Years2
Ex-Date04-09
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)-1.6%
PT rev (3m)-0.81%
EPS NQ rev (1m)2.92%
EPS NQ rev (3m)-6.17%
EPS NY rev (1m)-2.46%
EPS NY rev (3m)-6.36%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)-4.5%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)-2.36%
Valuation
Industry RankSector Rank
PE 12.37
Fwd PE 7.77
P/S 0.9
P/FCF N/A
P/OCF N/A
P/B 0.56
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY8.09%
EPS(NY)1.56
Fwd EY12.88%
FCF(TTM)-82.89
FCFYN/A
OCF(TTM)-82.89
OCFYN/A
SpS13.54
BVpS21.69
TBVpS-20.19
PEG (NY)0.21
PEG (5Y)0.38
Graham Number21.8685 (80.43%)
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 -0.39
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 Y59.23%
EPS Next 2Y28.81%
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 Year26.6%
Revenue Next 2Y13.39%
Revenue Next 3Y10.62%
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 MORTGAGE INVESTMENT / PMT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

ChartMill assigns a fundamental rating of 4 / 10 to PMT.


Can you provide the valuation status for PENNYMAC MORTGAGE INVESTMENT?

ChartMill assigns a valuation rating of 5 / 10 to PENNYMAC MORTGAGE INVESTMENT (PMT). This can be considered as Fairly Valued.


Can you provide the profitability details for PENNYMAC MORTGAGE INVESTMENT?

PENNYMAC MORTGAGE INVESTMENT (PMT) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for PMT stock?

The Price/Earnings (PE) ratio for PENNYMAC MORTGAGE INVESTMENT (PMT) is 12.37 and the Price/Book (PB) ratio is 0.56.


Can you provide the financial health for PMT stock?

The financial health rating of PENNYMAC MORTGAGE INVESTMENT (PMT) is 1 / 10.