NYSE
PMTU
Last Price
US $25.45
KEY FIGURES
MKT CAP
$0.9B
EPS
TTM
$1.64
PEG
TTM
N/M
P/E
TTM
9.25x
P/S
TTM
0.54x
YIELD
14.86%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
PennyMac Mortgage Investment Trust cash flow to debt ratio of -37.78% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
PennyMac Mortgage Investment Trust's free cash flow has decreased 164.01% from $-2.73G last year to $-7.21G, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
PennyMac Mortgage Investment Trust's debt to equity ratio is 10.87, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
PennyMac Mortgage Investment Trust's debt has increased relative to shareholder equity from 6.26 last year to 10.87 today, signaling weakened financials
Financial risk - Net debt/EBITDA.
PennyMac Mortgage Investment Trust has a net debt to EBITDA ratio of 200.63x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial risk - ICR.
PennyMac Mortgage Investment Trust's interest coverage ratio is 0.75, which means that the company struggles to meet interest obligations, signaling financial risk.
Financial risk - Profit margin growth.
PennyMac Mortgage Investment Trust's profit margin has decreased (-68.14%) in the last year from 31.90% to 10.17%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
PennyMac Mortgage Investment Trust's short-term liabilities of $8.02G exceed its short-term assets of $271.97M, signaling financial risk
Decreasing performance - ROA.
PennyMac Mortgage Investment Trust's return on assets of 0.63% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
PennyMac Mortgage Investment Trust's return on equity of 7.62%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
PennyMac Mortgage Investment Trust's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
PennyMac Mortgage Investment Trust had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Decreasing performance - Free cash flow.
PennyMac Mortgage Investment Trust has negative free cash flow, indicating the company is burning cash rather than generating it
Decreasing performance - FCF yield.
PennyMac Mortgage Investment Trust has negative free cash flow, indicating cash burn
Decreasing performance - Healthy earnings growth.
PennyMac Mortgage Investment Trust's yearly earnings has decreased -20.57% since last year from $160.98M to $127.87M, signaling decreasing performance
Increasing performance - Healthy revenue growth.
PennyMac Mortgage Investment Trust's yearly revenue has increased 18.39% since last year from $14.72M to $17.43M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 3.26% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Decreasing performance - 3-year revenue CAGR.
PennyMac Mortgage Investment Trust has insufficient revenue history to calculate 3-year revenue CAGR.
Decreasing performance - Revenue consistency.
PennyMac Mortgage Investment Trust had revenue growth in only 2.00 out of 5 years, indicating inconsistent revenue performance
Increasing performance - ROE consistency.
PennyMac Mortgage Investment Trust had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
PennyMac Mortgage Investment Trust has insufficient data to evaluate this check.
Undervalued - Earnings yield.
PennyMac Mortgage Investment Trust has an earnings yield of 6.46%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
PennyMac Mortgage Investment Trust is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Overvalued - EV/EBITDA.
PennyMac Mortgage Investment Trust has an EV/EBITDA ratio of 30.30x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings
Undervalued - PEG ratio value.
PennyMac Mortgage Investment Trust has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
PennyMac Mortgage Investment Trust has a price-to-book ratio of 0.50x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
PennyMac Mortgage Investment Trust has a price-to-sales ratio of 0.67x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
7.62%
Return on equity
ROIC: 3.26%
Valuation History
9.3X
Price to Earnings
EV/EBITDA: 30.3X
Cash flow
Profit margin
4.38%
(FY vs FY)
EBITDA Y/Y
-40.79%
(FY vs FY)
Cash flow Y/Y
-
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $25.45
—
Default assumptions
EBITDA Multiple
Fair Value
Market $25.45
—
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.