Skip to content
Company Analysis

PennyMac Mortgage Investment Tr PMT

A comprehensive view of key metrics, scores, and financial health for PennyMac Mortgage Investment Tr

Overview of PennyMac Mortgage Investment Trust

PMT NYQ
Real Estate REIT - Mortgage Framework: Mortgage REITs Small Cap
PennyMac Mortgage Investment Trust (PMT), is a Small Cap company, in the REIT - Mortgage industry, last closed at $8.03, about 93.9% undervalued vs fair value, -33.5% 1Y return, ranked 135/338 in sector.
Metrics P/E 12.7× Rev Growth -13.9% ROE 6.7% Gross Margin 1011.3% Div Yield 16.59%
USD 8.03
7.50%
(Delayed)
• Vol 90d: 32.3%
52-Week Range
Market Cap
$700.20M
Enterprise Value
$14.59B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

Website https://pmt.pennymac.com
HQ Westlake Village, CA
Fiscal year Dec 31

Next Events

Earnings Jan 28 Estimated

Fair Value Snapshot

Bear Base Bull
$9
$16
$29
Current: $8.03 +94% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$850.9M
33.9%%
Interest Expense
$870.4M
Net Interest Income
-$19.5M
75.5%%
Total Revenue
$158.1M
-13.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.4%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$181.2M
210.9% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Lender Specialized

Competitive Advantage Assessment

Evaluating PennyMac Mortgage Investment Tr's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Returns Hold Up Through Funding Cycles Returns are strong for a debt-funded lender (profitability score 0.72).
  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.95).

Key risks

  • Thin Equity Cushion Equity cushion is thin (score 0.18).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Funding & Return Stability

Strong
77
Premium

Signals, strengths and risks for Funding & Return Stability

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing PMT's balance between Growth (53.9%), Profitability (21.8%), and Safety (24.3%). Growth 54% Safety 24% Profitability 22%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

61th percentile vs peers
62
Key Signals
Asset Growth YoY 48.1% 91p NII Growth YoY 75.5% 68p Equity Growth YoY -3.7% 32p EPS Growth YoY -27.9% 30p
Strengths
  • Asset Growth YoY in top 20% of peers (48.1%, 91th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Dividends/Tangible Equity in top 20% of peers (-9.8%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

24th percentile vs peers
25
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

27th percentile vs peers
28
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for PennyMac Mortgage Investment Tr.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$15.57
- - -
+93.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000