Comprehensive Stock Comparison
Compare PennyMac Mortgage Investment Trust (PMTU) vs Sachem Capital Corp. 7.125% Not (SCCF) 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 PMTU's -30.5% |
| Value | PMTU | Lower P/E (16.5x vs 391.7x) |
| Quality / Margins | PMTU | 14.6% net margin vs SCCF's -328.5% |
| Stability / Safety | PMTU | Beta 0.03 vs SCCF's 0.04 |
| Dividends | PMTU | 6.3% yield, 1-year raise streak, vs SCCF's 1.5% |
| Momentum (1Y) | SCCF | +27.7% vs PMTU's +8.0% |
| Efficiency (ROA) | PMTU | 0.7% ROA vs SCCF's -6.7%, ROIC 1.9% vs -2.5% |
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 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.
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 (Valuation Metrics, Analyst Outlook). SCCF leads in 1 (Financial Metrics). 3 tied.
Financial Metrics (TTM)
PMTU is the larger business by revenue, generating $839M annually — 85.2x SCCF's $10M. PMTU is the more profitable business, keeping 14.6% of every revenue dollar as net income compared to SCCF's -3.3%.
| Metric | PMTUPennyMac Mortgage… | SCCFSachem Capital Co… |
|---|---|---|
| RevenueTrailing 12 months | $839M | $10M |
| EBITDAEarnings before interest/tax | $1.2B | -$19M |
| Net IncomeAfter-tax profit | $122M | -$32M |
| Free Cash FlowCash after capex | -$5.5B | $4M |
| Gross MarginGross profit ÷ Revenue | +84.4% | +3.1% |
| Operating MarginEBIT ÷ Revenue | +70.9% | -194.3% |
| Net MarginNet income ÷ Revenue | +14.6% | -3.3% |
| FCF MarginFCF ÷ Revenue | -6.6% | +35.7% |
| 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… | SCCFSachem Capital Co… |
|---|---|---|
| Market CapShares × price | $2.2B | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $14.0B | $1.4B |
| Trailing P/EPrice ÷ TTM EPS | 18.72x | -25.27x |
| 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 | 19.49x |
| Price / BookPrice ÷ Book value/share | 1.15x | 6.13x |
| Price / FCFMarket cap ÷ FCF | — | 87.47x |
Profitability & Efficiency
PMTU delivers a 6.5% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-18 for SCCF. SCCF carries lower financial leverage with a 1.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to PMTU's 6.26x. On the Piotroski fundamental quality scale (0–9), SCCF scores 3/9 vs PMTU's 2/9, reflecting mixed financial health.
| Metric | PMTUPennyMac Mortgage… | SCCFSachem Capital Co… |
|---|---|---|
| ROE (TTM)Return on equity | +6.5% | -18.4% |
| ROA (TTM)Return on assets | +0.7% | -6.7% |
| ROICReturn on invested capital | +1.9% | -2.5% |
| ROCEReturn on capital employed | +4.6% | -3.2% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 3 |
| Debt / EquityFinancial leverage | 6.26x | 1.66x |
| Net DebtTotal debt minus cash | $11.8B | $283M |
| Cash & Equiv.Liquid assets | $338M | $18M |
| Total DebtShort + long-term debt | $12.1B | $301M |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | — |
Total Returns (with DRIP)
A $10,000 investment in PMTU five years ago would be worth $12,464 today (with dividends reinvested), compared to $12,161 for SCCF. Over the past 12 months, SCCF leads with a +27.7% total return vs PMTU's +8.0%. The 3-year compound annual growth rate (CAGR) favors SCCF at 9.4% vs PMTU's 7.6% — a key indicator of consistent wealth creation.
| Metric | PMTUPennyMac Mortgage… | SCCFSachem Capital Co… |
|---|---|---|
| YTD ReturnYear-to-date | +0.8% | +0.8% |
| 1-Year ReturnPast 12 months | +8.0% | +27.7% |
| 3-Year ReturnCumulative with dividends | +24.6% | +31.1% |
| 5-Year ReturnCumulative with dividends | +24.6% | +21.6% |
| 10-Year ReturnCumulative with dividends | +24.6% | +21.6% |
| CAGR (3Y)Annualised 3-year return | +7.6% | +9.4% |
Risk & Volatility
PMTU is the less volatile stock with a 0.03 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.
| Metric | PMTUPennyMac Mortgage… | SCCFSachem Capital Co… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.03x | 0.04x |
| 52-Week HighHighest price in past year | $26.26 | $23.69 |
| 52-Week LowLowest price in past year | $24.46 | $17.94 |
| % of 52W HighCurrent price vs 52-week peak | +97.6% | +99.2% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 60.4 |
| Avg Volume (50D)Average daily shares traded | 2K | 2K |
Analyst Outlook
For income investors, PMTU offers the higher dividend yield at 6.26% vs SCCF's 1.48%.
| Metric | PMTUPennyMac Mortgage… | SCCFSachem 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% | +0.1% |
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… (SCCF) | 100 | 107.35 | +7.4% |
PennyMac Mortgage I… (PMTU) returned +25% over 5 years vs Sachem Capital Corp… (SCCF)'s +22%. A $10,000 investment in PMTU 5 years ago would be worth $12,464 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | $292M | $505M | +72.6% |
| Sachem Capital Corp… (SCCF) | $3M | $58M | +1963.4% |
PennyMac Mortgage Investment Trust's revenue grew from $292M (2015) to $505M (2024) — a 6.2% CAGR. Sachem Capital Corp. 7.125% Not's revenue grew from $3M (2015) to $58M (2024) — a 40.0% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 30.8% | 31.9% | +3.5% |
| Sachem Capital Corp… (SCCF) | 82.8% | -68.8% | -183.1% |
PennyMac Mortgage Investment Trust's net margin went from 31% (2015) to 32% (2024). Sachem Capital Corp. 7.125% Not's net margin went from 83% (2015) to -69% (2024).
Chart 4EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| PennyMac Mortgage I… (PMTU) | 1.16 | 1.37 | +18.1% |
| Sachem Capital Corp… (SCCF) | 0.2 | -0.93 | -564.5% |
PennyMac Mortgage Investment Trust's EPS grew from $1.16 (2015) to $1.37 (2024) — a 2% CAGR. Sachem Capital Corp. 7.125% Not's EPS grew from $0.20 (2015) to $-0.93 (2024) — a NaN% CAGR.
Chart 5Free Cash Flow — 5 Years
PennyMac Mortgage Investment Trust generated $-3B FCF in 2024 (+2% vs 2021). Sachem Capital Corp. 7.125% Not generated $13M FCF in 2024 (-46% vs 2021).
PMTU vs SCCF: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is PMTU or SCCF 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 SCCF?
On forward P/E, PennyMac Mortgage Investment Trust is actually cheaper at 16.5x.
03Which is the better long-term investment — PMTU or SCCF?
Over the past 5 years, PennyMac Mortgage Investment Trust (PMTU) delivered a total return of +24.6%, compared to +21.6% for Sachem Capital Corp. 7.125% Not (SCCF). A $10,000 investment in PMTU five years ago would be worth approximately $12K today (assuming dividends reinvested). Over 10 years, the gap is even starker: PMTU returned +24.6% 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 SCCF?
By beta (market sensitivity over 5 years), PennyMac Mortgage Investment Trust (PMTU) is the lower-risk stock at 0.03β versus Sachem Capital Corp. 7.125% Not's 0.04β — meaning SCCF is approximately 48% more volatile than PMTU 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 6% for PennyMac Mortgage Investment Trust — giving it more financial flexibility in a downturn.
05Which has better profit margins — PMTU or SCCF?
PennyMac Mortgage Investment Trust (PMTU) is the more profitable company, earning 31.9% net margin versus -68.8% for Sachem Capital Corp. 7.125% Not — meaning it keeps 31.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PMTU leads at 65.7% versus -30.9% for SCCF. At the gross margin level — before operating expenses — SCCF 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 SCCF 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 SCCF?
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. 7.125% Not (SCCF).
08Is PMTU or SCCF better for a retirement portfolio?
For long-horizon retirement investors, PennyMac Mortgage Investment Trust (PMTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.03), 6.3% yield). Both have compounded well over 10 years (PMTU: +24.6%, 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 SCCF?
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; SCCF 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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