Comprehensive Stock Comparison
Compare PennyMac Mortgage Investment Trust (PMTU) vs Ready Capital Corporation 5.75% (RCC) vs Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) vs Sachem Capital Corp. 7.125% Not (SCCF) vs Sachem Capital Corp. 6.00% Note (SCCE) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | SCCF | 91.9% revenue growth vs SCCE's -107.0% |
| Value | PMTU | Lower P/E (16.5x vs 391.7x) |
| Quality / Margins | PMTU | 14.6% net margin vs RCC's -15.9% |
| Stability / Safety | RCC | Beta 0.00 vs SCCF's 0.04 |
| Dividends | PMTU | 6.3% yield, 1-year raise streak, vs RCC's 4.8% |
| Momentum (1Y) | SCCE | +33.4% vs RCC's +7.7% |
| Efficiency (ROA) | PMTU | 0.7% ROA vs SCCE's -6.9%, ROIC 1.9% vs -13.0% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
PennyMac Mortgage Investment Trust is a mortgage real estate investment trust that invests in residential mortgage loans and mortgage-related assets. It generates income primarily through correspondent lending—purchasing and reselling newly originated loans—and through credit-sensitive strategies like distressed loan investments and real estate holdings, with interest rate hedging activities providing additional revenue. The company's competitive advantage lies in its specialized mortgage expertise and vertically integrated platform that spans loan origination, servicing, and investment management.
Ready Capital Corporation is a real estate finance company that originates, acquires, and manages small balance commercial loans and SBA-guaranteed business loans. It generates revenue primarily through interest income from its loan portfolio—spanning commercial real estate, small business lending, and residential mortgages—supplemented by loan origination fees and servicing income. The company's competitive advantage lies in its specialized focus on the underserved small balance commercial loan market and its vertically integrated origination-to-servicing platform.
Sachem Capital is a mortgage real estate investment trust that provides short-term, secured loans to real estate investors for property acquisition and development. It generates revenue primarily from interest income on its loan portfolio — roughly 90% of total revenue — supplemented by loan origination fees. The company's competitive advantage lies in its specialized focus on the underserved niche of short-term real estate bridge loans, where it has developed deep underwriting expertise and borrower relationships.
Sachem Capital is a mortgage real estate investment trust that provides short-term, first mortgage loans to real estate investors for property acquisition and development. It generates revenue primarily from interest income on its loan portfolio — roughly 90% of total revenue — with additional income from loan origination fees and servicing. The company's competitive advantage lies in its specialized focus on the underserved short-term lending market for residential and commercial property investors, where it has developed deep underwriting expertise.
Sachem Capital Corp. is a real estate finance company that originates short-term, secured loans to real estate investors for property acquisition and development. It makes money primarily through interest income from its loan portfolio — earning interest on loans secured by first mortgage liens on residential and commercial properties. The company's competitive advantage lies in its specialized focus on short-term real estate lending and its ability to provide quick financing solutions to investors who may not qualify for traditional bank loans.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
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Financial Metrics Comparison
Side-by-side fundamentals across 5 stocks. BestLagging
Financial Scorecard
PMTU leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). SCCD leads in 1 (Total Returns). 2 tied.
Financial Metrics (TTM)
PMTU and RCC operate at a comparable scale, with $839M and -$9M in trailing revenue. PMTU is the more profitable business, keeping 14.6% of every revenue dollar as net income compared to RCC's -15.9%. On growth, SCCD holds the edge at +82.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $839M | -$9M | $11M | $10M | $11M |
| EBITDAEarnings before interest/tax | $1.2B | -$95M | -$12M | -$19M | -$12M |
| Net IncomeAfter-tax profit | $122M | -$311M | -$33M | -$32M | -$33M |
| Free Cash FlowCash after capex | -$5.5B | $366M | $5M | $4M | $5M |
| Gross MarginGross profit ÷ Revenue | +84.4% | +100.0% | -4.8% | +3.1% | -4.8% |
| Operating MarginEBIT ÷ Revenue | +70.9% | — | -108.1% | -194.3% | -108.1% |
| Net MarginNet income ÷ Revenue | +14.6% | -15.9% | -2.9% | -3.3% | -2.9% |
| FCF MarginFCF ÷ Revenue | -6.6% | -187.2% | +42.5% | +35.7% | +42.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +84.2% | -69.8% | +82.6% | +82.6% | +82.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +52.8% | -86.2% | +98.1% | +98.1% | +98.1% |
Valuation Metrics
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| Market CapShares × price | $2.2B | $4.1B | $1.2B | $1.1B | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $14.0B | $10.0B | $206.0B | $1.4B | $206.0B |
| Trailing P/EPrice ÷ TTM EPS | 18.72x | -9.52x | -26.51x | -25.27x | -25.37x |
| Forward P/EPrice ÷ next-FY EPS est. | 16.52x | — | — | 391.67x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | — | — |
| EV / EBITDAEnterprise value multiple | 13.64x | — | — | — | — |
| Price / SalesMarket cap ÷ Revenue | 4.41x | 149.02x | — | 19.49x | — |
| Price / BookPrice ÷ Book value/share | 1.15x | 2.21x | 6.43x | 6.13x | 6.16x |
| Price / FCFMarket cap ÷ FCF | — | — | 90.35x | 87.47x | 86.47x |
Profitability & Efficiency
PMTU delivers a 6.5% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-19 for SCCE. SCCF carries lower financial leverage with a 1.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to SCCE's 1127.83x. On the Piotroski fundamental quality scale (0–9), SCCF scores 3/9 vs RCC's 1/9, reflecting mixed financial health.
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.5% | -16.6% | -19.1% | -18.4% | -19.1% |
| ROA (TTM)Return on assets | +0.7% | -3.7% | -6.9% | -6.7% | -6.9% |
| ROICReturn on invested capital | +1.9% | — | -3.9% | -2.5% | -13.0% |
| ROCEReturn on capital employed | +4.6% | — | -5.7% | -3.2% | -31.8% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 1 | 2 | 3 | 2 |
| Debt / EquityFinancial leverage | 6.26x | 3.12x | 1127.83x | 1.66x | 1127.83x |
| Net DebtTotal debt minus cash | $11.8B | $5.9B | $186.8B | $283M | $187M |
| Cash & Equiv.Liquid assets | $338M | $144M | $18M | $18M | $18M |
| Total DebtShort + long-term debt | $12.1B | $6.0B | $204.9B | $301M | $204.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | — | — | — | — |
Total Returns (with DRIP)
A $10,000 investment in SCCD five years ago would be worth $13,105 today (with dividends reinvested), compared to $12,161 for SCCF. Over the past 12 months, SCCE leads with a +33.4% total return vs RCC's +7.7%. The 3-year compound annual growth rate (CAGR) favors SCCD at 13.4% vs PMTU's 7.6% — a key indicator of consistent wealth creation.
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +0.8% | +1.2% | +2.0% | +0.8% | +1.7% |
| 1-Year ReturnPast 12 months | +8.0% | +7.7% | +33.3% | +27.7% | +33.4% |
| 3-Year ReturnCumulative with dividends | +24.6% | +25.7% | +45.7% | +31.1% | +43.0% |
| 5-Year ReturnCumulative with dividends | +24.6% | +23.3% | +31.1% | +21.6% | +26.0% |
| 10-Year ReturnCumulative with dividends | +24.6% | +27.5% | +31.1% | +21.6% | +26.0% |
| CAGR (3Y)Annualised 3-year return | +7.6% | +7.9% | +13.4% | +9.4% | +12.7% |
Risk & Volatility
RCC is the less volatile stock with a 0.00 beta — it tends to amplify market swings less than SCCF's 0.04 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SCCD currently trades 100.0% from its 52-week high vs RCC's 93.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 0.00x | 0.04x | 0.04x | 0.01x |
| 52-Week HighHighest price in past year | $26.26 | $26.87 | $24.65 | $23.69 | $23.95 |
| 52-Week LowLowest price in past year | $24.46 | $23.97 | $20.20 | $17.94 | $18.39 |
| % of 52W HighCurrent price vs 52-week peak | +97.6% | +93.2% | +100.0% | +99.2% | +98.5% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 57.3 | 56.1 | 60.4 | 53.9 |
| Avg Volume (50D)Average daily shares traded | 2K | 33K | 2K | 2K | 3K |
Analyst Outlook
For income investors, PMTU offers the higher dividend yield at 6.26% vs SCCD's 1.41%.
| Metric | PMTUPennyMac Mortgage… | RCCReady Capital Cor… | SCCDSachem Capital Co… | SCCFSachem Capital Co… | SCCESachem Capital Co… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — | — | — | — |
| Price TargetConsensus 12-month target | — | — | — | — | — |
| # AnalystsCovering analysts | — | — | — | — | — |
| Dividend YieldAnnual dividend ÷ price | +6.3% | +4.8% | +1.4% | +1.5% | +1.5% |
| Dividend StreakConsecutive years of raises | 1 | 0 | 0 | 0 | 0 |
| Dividend / ShareAnnual DPS | $1.60 | $1.21 | $0.35 | $0.35 | $0.35 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.0% | +100.0% | +0.1% | +100.0% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Sep 23 | Feb 26 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 100 | 104.5 | +4.5% |
| Ready Capital Corpo… (RCC) | 100 | 104.88 | +4.9% |
| Sachem Capital Corp… (SCCD) | 100 | 113.73 | +13.7% |
| Sachem Capital Corp… (SCCF) | 100 | 107.35 | +7.4% |
| Sachem Capital Corp… (SCCE) | 100 | 110.52 | +10.5% |
Sachem Capital Corp… (SCCD) returned +31% over 5 years vs Sachem Capital Corp… (SCCF)'s +22%. A $10,000 investment in SCCD 5 years ago would be worth $13,105 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | $292M | $505M | +72.6% |
| Ready Capital Corpo… (RCC) | $58M | $27M | -52.8% |
| Sachem Capital Corp… (SCCD) | $10.2B | $-2.1B | -120.7% |
| Sachem Capital Corp… (SCCF) | $3M | $58M | +1963.4% |
| Sachem Capital Corp… (SCCE) | $10.2B | $-2.1B | -120.7% |
PennyMac Mortgage Investment Trust's revenue grew from $292M (2015) to $505M (2024) — a 6.2% CAGR. Ready Capital Corporation 5.75%'s revenue grew from $58M (2015) to $27M (2024) — a -8.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 30.8% | 31.9% | +3.5% |
| Ready Capital Corpo… (RCC) | -2.2% | -15.9% | -632.6% |
| Sachem Capital Corp… (SCCD) | 60.9% | 18.8% | -69.1% |
| Sachem Capital Corp… (SCCF) | 82.8% | -68.8% | -183.1% |
| Sachem Capital Corp… (SCCE) | 60.9% | 18.8% | -69.1% |
PennyMac Mortgage Investment Trust's net margin went from 31% (2015) to 32% (2024). Ready Capital Corporation 5.75%'s net margin went from -2% (2015) to -16% (2024).
Chart 4P/E Ratio History — 3 Years
| Stock | 2021 | 2023 | Change |
|---|---|---|---|
| Ready Capital Corpo… (RCC) | 16.8 | 10.8 | -35.7% |
| Sachem Capital Corp… (SCCD) | 49.3 | 79.6 | +61.5% |
Ready Capital Corporation 5.75% has traded in a 11x–17x P/E range over 3 years; current trailing P/E is ~-10x. Sachem Capital Corp. 6.00% Notes Due 2026 has traded in a 36x–80x P/E range over 3 years; current trailing P/E is ~-27x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 1.16 | 1.37 | +18.1% |
| Ready Capital Corpo… (RCC) | -0.04 | -2.63 | -6393.8% |
| Sachem Capital Corp… (SCCD) | 0.32 | -0.93 | -390.6% |
| Sachem Capital Corp… (SCCF) | 0.2 | -0.93 | -564.5% |
| Sachem Capital Corp… (SCCE) | 0.32 | -0.93 | -390.6% |
PennyMac Mortgage Investment Trust's EPS grew from $1.16 (2015) to $1.37 (2024) — a 2% CAGR. Ready Capital Corporation 5.75%'s EPS grew from $-0.04 (2015) to $-2.63 (2024).
Chart 6Free Cash Flow — 5 Years
PennyMac Mortgage Investment Trust generated $-3B FCF in 2024 (+2% vs 2021). Ready Capital Corporation 5.75% generated $-51M FCF in 2024 (+99% vs 2021).
PMTU vs RCC vs SCCD vs SCCF vs SCCE: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is PMTU or RCC or SCCD or SCCF or SCCE a better buy right now?
PennyMac Mortgage Investment Trust (PMTU) offers the better valuation at 18.7x trailing P/E (16.5x forward), making it the more compelling value choice. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PMTU or RCC or SCCD or SCCF or SCCE?
On forward P/E, PennyMac Mortgage Investment Trust is actually cheaper at 16.5x.
03Which is the better long-term investment — PMTU or RCC or SCCD or SCCF or SCCE?
Over the past 5 years, Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) delivered a total return of +31.1%, compared to +21.6% for Sachem Capital Corp. 7.125% Not (SCCF). A $10,000 investment in SCCD five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SCCD returned +31.1% versus SCCF's +21.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PMTU or RCC or SCCD or SCCF or SCCE?
By beta (market sensitivity over 5 years), Ready Capital Corporation 5.75% (RCC) is the lower-risk stock at 0.00β versus Sachem Capital Corp. 7.125% Not's 0.04β — meaning SCCF is approximately 5600% more volatile than RCC relative to the S&P 500. On balance sheet safety, Sachem Capital Corp. 7.125% Not (SCCF) carries a lower debt/equity ratio of 166% versus 1128% for Sachem Capital Corp. 6.00% Note — giving it more financial flexibility in a downturn.
05Which has better profit margins — PMTU or RCC or SCCD or SCCF or SCCE?
Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD) is the more profitable company, earning 1879% net margin versus -1593.0% for Ready Capital Corporation 5.75% — meaning it keeps 1879% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SCCD leads at 844.1% versus -30.9% for SCCF. At the gross margin level — before operating expenses — RCC leads at 100.0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is PMTU or RCC or SCCD or SCCF or SCCE more undervalued right now?
On forward earnings alone, PennyMac Mortgage Investment Trust (PMTU) trades at 16.5x forward P/E versus 391.7x for Sachem Capital Corp. 7.125% Not — 375.2x cheaper on a one-year earnings basis.
07Which pays a better dividend — PMTU or RCC or SCCD or SCCF or SCCE?
All stocks in this comparison pay dividends. PennyMac Mortgage Investment Trust (PMTU) offers the highest yield at 6.3%, versus 1.4% for Sachem Capital Corp. 6.00% Notes Due 2026 (SCCD).
08Is PMTU or RCC or SCCD or SCCF or SCCE better for a retirement portfolio?
For long-horizon retirement investors, Ready Capital Corporation 5.75% (RCC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.00), 4.8% yield). Both have compounded well over 10 years (RCC: +27.5%, SCCF: +21.6%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between PMTU and RCC and SCCD and SCCF and SCCE?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: PMTU is a small-cap income-oriented stock; RCC is a small-cap income-oriented stock; SCCD is a small-cap quality compounder stock; SCCF is a small-cap quality compounder stock; SCCE is a small-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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