Comprehensive Stock Comparison
Compare PennyMac Mortgage Investment Trust (PMTU) 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 | PMTU | -30.5% revenue growth vs SCCE's -107.0% |
| Quality / Margins | PMTU | 14.6% net margin vs SCCE's -292.1% |
| Stability / Safety | SCCE | Beta 0.01 vs PMTU's 0.03 |
| Dividends | PMTU | 6.3% yield, 1-year raise streak, vs SCCE's 1.5% |
| Momentum (1Y) | SCCE | +33.4% vs PMTU's +8.0% |
| 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.
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.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
PMTU leads in 2 of 6 categories (Profitability & Efficiency, Analyst Outlook). SCCE leads in 2 (Total Returns, Risk & Volatility). 2 tied.
Financial Metrics (TTM)
PMTU is the larger business by revenue, generating $839M annually — 73.2x SCCE's $11M. PMTU is the more profitable business, keeping 14.6% of every revenue dollar as net income compared to SCCE's -2.9%.
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| RevenueTrailing 12 months | $839M | $11M |
| EBITDAEarnings before interest/tax | $1.2B | -$12M |
| Net IncomeAfter-tax profit | $122M | -$33M |
| Free Cash FlowCash after capex | -$5.5B | $5M |
| Gross MarginGross profit ÷ Revenue | +84.4% | -4.8% |
| Operating MarginEBIT ÷ Revenue | +70.9% | -108.1% |
| Net MarginNet income ÷ Revenue | +14.6% | -2.9% |
| FCF MarginFCF ÷ Revenue | -6.6% | +42.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +84.2% | +82.6% |
| EPS Growth (YoY)Latest quarter vs prior year | +52.8% | +98.1% |
Valuation Metrics
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| Market CapShares × price | $2.2B | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $14.0B | $206.0B |
| Trailing P/EPrice ÷ TTM EPS | 18.72x | -25.37x |
| Forward P/EPrice ÷ next-FY EPS est. | 16.52x | — |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 13.64x | — |
| Price / SalesMarket cap ÷ Revenue | 4.41x | — |
| Price / BookPrice ÷ Book value/share | 1.15x | 6.16x |
| Price / FCFMarket cap ÷ FCF | — | 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. PMTU carries lower financial leverage with a 6.26x debt-to-equity ratio, signaling a more conservative balance sheet compared to SCCE's 1127.83x.
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| ROE (TTM)Return on equity | +6.5% | -19.1% |
| ROA (TTM)Return on assets | +0.7% | -6.9% |
| ROICReturn on invested capital | +1.9% | -13.0% |
| ROCEReturn on capital employed | +4.6% | -31.8% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 2 |
| Debt / EquityFinancial leverage | 6.26x | 1127.83x |
| Net DebtTotal debt minus cash | $11.8B | $187M |
| Cash & Equiv.Liquid assets | $338M | $18M |
| Total DebtShort + long-term debt | $12.1B | $204.9B |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | — |
Total Returns (with DRIP)
A $10,000 investment in SCCE five years ago would be worth $12,597 today (with dividends reinvested), compared to $12,464 for PMTU. Over the past 12 months, SCCE leads with a +33.4% total return vs PMTU's +8.0%. The 3-year compound annual growth rate (CAGR) favors SCCE at 12.7% vs PMTU's 7.6% — a key indicator of consistent wealth creation.
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| YTD ReturnYear-to-date | +0.8% | +1.7% |
| 1-Year ReturnPast 12 months | +8.0% | +33.4% |
| 3-Year ReturnCumulative with dividends | +24.6% | +43.0% |
| 5-Year ReturnCumulative with dividends | +24.6% | +26.0% |
| 10-Year ReturnCumulative with dividends | +24.6% | +26.0% |
| CAGR (3Y)Annualised 3-year return | +7.6% | +12.7% |
Risk & Volatility
SCCE is the less volatile stock with a 0.01 beta — it tends to amplify market swings less than PMTU's 0.03 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 0.01x |
| 52-Week HighHighest price in past year | $26.26 | $23.95 |
| 52-Week LowLowest price in past year | $24.46 | $18.39 |
| % of 52W HighCurrent price vs 52-week peak | +97.6% | +98.5% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 53.9 |
| Avg Volume (50D)Average daily shares traded | 2K | 3K |
Analyst Outlook
For income investors, PMTU offers the higher dividend yield at 6.26% vs SCCE's 1.48%.
| Metric | PMTUPennyMac Mortgage… | SCCESachem Capital Co… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | — | — |
| Dividend YieldAnnual dividend ÷ price | +6.3% | +1.5% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.60 | $0.35 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +100.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Sep 23 | Feb 26 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 100 | 104.5 | +4.5% |
| Sachem Capital Corp… (SCCE) | 100 | 110.52 | +10.5% |
Sachem Capital Corp… (SCCE) returned +26% over 5 years vs PennyMac Mortgage I… (PMTU)'s +25%. A $10,000 investment in SCCE 5 years ago would be worth $12,597 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | $292M | $505M | +72.6% |
| 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.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 30.8% | 31.9% | +3.5% |
| Sachem Capital Corp… (SCCE) | 60.9% | 18.8% | -69.1% |
PennyMac Mortgage Investment Trust's net margin went from 31% (2015) to 32% (2024).
Chart 4EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 1.16 | 1.37 | +18.1% |
| 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.
Chart 5Free Cash Flow — 5 Years
PennyMac Mortgage Investment Trust generated $-3B FCF in 2024 (+2% vs 2021). Sachem Capital Corp. 6.00% Note generated $13M FCF in 2024 (-100% vs 2021).
PMTU vs SCCE: Frequently Asked Questions
7 questions · data-driven answers · updated daily
01Is PMTU 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 is the better long-term investment — PMTU or SCCE?
Over the past 5 years, Sachem Capital Corp. 6.00% Note (SCCE) delivered a total return of +26.0%, compared to +24.6% for PennyMac Mortgage Investment Trust (PMTU). A $10,000 investment in SCCE five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SCCE returned +26.0% versus PMTU's +24.6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — PMTU or SCCE?
By beta (market sensitivity over 5 years), Sachem Capital Corp. 6.00% Note (SCCE) is the lower-risk stock at 0.01β versus PennyMac Mortgage Investment Trust's 0.03β — meaning PMTU is approximately 329% more volatile than SCCE relative to the S&P 500. On balance sheet safety, PennyMac Mortgage Investment Trust (PMTU) carries a lower debt/equity ratio of 6% versus 1128% for Sachem Capital Corp. 6.00% Note — giving it more financial flexibility in a downturn.
04Which has better profit margins — PMTU or SCCE?
Sachem Capital Corp. 6.00% Note (SCCE) is the more profitable company, earning 1879% net margin versus 31.9% for PennyMac Mortgage Investment Trust — meaning it keeps 1879% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SCCE leads at 844.1% versus 65.7% for PMTU. At the gross margin level — before operating expenses — SCCE 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.
05Which pays a better dividend — PMTU or SCCE?
All stocks in this comparison pay dividends. PennyMac Mortgage Investment Trust (PMTU) offers the highest yield at 6.3%, versus 1.5% for Sachem Capital Corp. 6.00% Note (SCCE).
06Is PMTU or SCCE better for a retirement portfolio?
For long-horizon retirement investors, Sachem Capital Corp. 6.00% Note (SCCE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.01), 1.5% yield). Both have compounded well over 10 years (SCCE: +26.0%, PMTU: +24.6%), 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.
07What are the main differences between PMTU 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; 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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