PENNYMAC MORTGAGE INVESTMENT (PMT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PMT • US70931T1034

12.36 USD
+0.18 (+1.48%)
At close: Feb 11, 2026
12.36 USD
0 (0%)
After Hours: 2/11/2026, 4:51:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall PMT gets a fundamental rating of 3 out of 10. We evaluated PMT against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. Both the profitability and financial health of PMT have multiple concerns. PMT is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year PMT was profitable.
  • In the past year PMT has reported a negative cash flow from operations.
  • In multiple years PMT reported negative net income over the last 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 0 1B -1B -2B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.43%, PMT is in line with its industry, outperforming 55.71% of the companies in the same industry.
  • PMT has a Return On Equity of 4.24%. This is comparable to the rest of the industry: PMT outperforms 57.14% of its industry peers.
  • PMT has a Return On Invested Capital (0.51%) which is comparable to the rest of the industry.
  • PMT had an Average Return On Invested Capital over the past 3 years of 0.94%. This is in line with the industry average of 1.26%.
Industry RankSector 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%
PMT Yearly ROA, ROE, ROICPMT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5

1.3 Margins

  • The Profit Margin of PMT (7.09%) is comparable to the rest of the industry.
  • PMT's Profit Margin has declined in the last couple of years.
  • PMT's Operating Margin of 10.03% is in line compared to the rest of the industry. PMT outperforms 54.29% of its industry peers.
  • PMT's Operating Margin has declined in the last couple of years.
  • The Gross Margin of PMT (17.95%) is worse than 67.14% of its industry peers.
  • In the last couple of years the Gross Margin of PMT has declined.
Industry RankSector 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%
PMT Yearly Profit, Operating, Gross MarginsPMT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • There is no outstanding debt for PMT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
PMT Yearly Shares OutstandingPMT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 5B 10B

2.2 Solvency

  • Based on the Altman-Z score of -0.43, we must say that PMT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.43, PMT is in line with its industry, outperforming 41.43% of the companies in the same industry.
  • A Debt/Equity ratio of 8.66 is on the high side and indicates that PMT has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 8.66, PMT is doing worse than 82.86% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 8.66
Debt/FCF N/A
Altman-Z -0.43
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 0 2B -2B 4B

2.3 Liquidity

  • PMT has a Current Ratio of 0.04. This is a bad value and indicates that PMT is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of PMT (0.04) is worse than 80.00% of its industry peers.
  • A Quick Ratio of 0.04 indicates that PMT may have some problems paying its short term obligations.
  • PMT has a Quick ratio of 0.04. This is amonst the worse of the industry: PMT underperforms 80.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
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 2B 4B 6B

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

4

3. Growth

3.1 Past

  • The earnings per share for PMT have decreased strongly by -26.32% in the last year.
  • The Earnings Per Share has been growing by 32.50% on average over the past years. This is a very strong growth
EPS 1Y (TTM)-26.32%
EPS 3YN/A
EPS 5Y32.5%
EPS Q2Q%17.07%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-13.31%

3.2 Future

  • PMT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.88% yearly.
  • PMT is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.96% yearly.
EPS Next Y67.25%
EPS Next 2Y31.43%
EPS Next 3Y18.88%
EPS Next 5YN/A
Revenue Next Year29.66%
Revenue Next 2Y18.39%
Revenue Next 3Y13.96%
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.
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

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.61, the valuation of PMT can be described as correct.
  • Based on the Price/Earnings ratio, PMT is valued a bit cheaper than 61.43% of the companies in the same industry.
  • PMT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
  • A Price/Forward Earnings ratio of 7.54 indicates a rather cheap valuation of PMT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PMT indicates a somewhat cheap valuation: PMT is cheaper than 77.14% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.97. PMT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.61
Fwd PE 7.54
PMT Price Earnings VS Forward Price EarningsPMT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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

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)0.19
PEG (5Y)0.39
EPS Next 2Y31.43%
EPS Next 3Y18.88%

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 13.06%, PMT is a good candidate for dividend investing.
  • PMT's Dividend Yield is a higher than the industry average which is at 12.58.
  • Compared to an average S&P500 Dividend Yield of 1.80, PMT pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.06%

5.2 History

  • The dividend of PMT has a limited annual growth rate of 0.26%.
  • PMT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • PMT has decreased its dividend recently.
Dividend Growth(5Y)0.26%
Div Incr Years0
Div Non Decr Years1
PMT Yearly Dividends per sharePMT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • PMT pays out 227.39% 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.
DP227.39%
EPS Next 2Y31.43%
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 0 1B -1B -2B
PMT Dividend Payout.PMT Dividend Payout, showing the Payout Ratio.PMT Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PENNYMAC MORTGAGE INVESTMENT

NYSE:PMT (2/11/2026, 4:51:29 PM)

After market: 12.36 0 (0%)

12.36

+0.18 (+1.48%)

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 Change-0.87%
Ins Owners0.96%
Ins Owner Change0.67%
Market Cap1.08B
Revenue(TTM)N/A
Net Income(TTM)79.68M
Analysts69.23
Price Target13.77 (11.41%)
Short Float %4.41%
Short Ratio3.1
Dividend
Industry RankSector Rank
Dividend Yield 13.06%
Yearly Dividend2.09
Dividend Growth(5Y)0.26%
DP227.39%
Div Incr Years0
Div Non Decr Years1
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)2
Avg Revenue beat(8)-15.75%
Revenue beat(12)4
Avg Revenue beat(12)2.82%
Revenue beat(16)6
Avg Revenue beat(16)10.02%
PT rev (1m)1.89%
PT rev (3m)2.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.29%
EPS NY rev (1m)0%
EPS NY rev (3m)9.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 12.61
Fwd PE 7.54
P/S 0.96
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.98
EY7.93%
EPS(NY)1.64
Fwd EY13.26%
FCF(TTM)-63.53
FCFYN/A
OCF(TTM)-63.53
OCFYN/A
SpS12.92
BVpS21.6
TBVpS-20.56
PEG (NY)0.19
PEG (5Y)0.39
Graham Number21.82
Profitability
Industry RankSector 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 RankSector 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 -0.43
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-13.31%
Revenue Next Year29.66%
Revenue Next 2Y18.39%
Revenue Next 3Y13.96%
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 MORTGAGE INVESTMENT / PMT FAQ

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

ChartMill assigns a fundamental rating of 3 / 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.


How profitable is PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

PENNYMAC MORTGAGE INVESTMENT (PMT) has a profitability rating of 2 / 10.


What is the expected EPS growth for PENNYMAC MORTGAGE INVESTMENT (PMT) stock?

The Earnings per Share (EPS) of PENNYMAC MORTGAGE INVESTMENT (PMT) is expected to grow by 67.25% in the next year.


Is the dividend of PENNYMAC MORTGAGE INVESTMENT sustainable?

The dividend rating of PENNYMAC MORTGAGE INVESTMENT (PMT) is 6 / 10 and the dividend payout ratio is 227.39%.