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PennyMac Mortgage Investment Trust (PMTU) 10-Year Financial Performance & Capital Metrics

PMTU • • REIT / Real Estate
Real EstateIndustrial REITsReal Estate Finance and Mortgage REITs
AboutPennyMac Mortgage Investment Trust is a finance company, which invests primarily in residential mortgage loans and mortgage-related assets. It operates through following segments: Correspondent Production, Credit Sensitive Strategies, Interest Rate Sensitive Strategies, and Corporate Activities. The Correspondent Production segment deals with purchasing, pooling, and reselling newly originated prime credit quality mortgage loans either directly or in the form of mortgage-backed securities in capital markets. The Credit Sensitive Strategies segment includes investments in distressed mortgage loans, real estate acquired in settlement of mortgage loans, real estate held for investment, credit risk transfer agreements, non-agency subordinated bonds, and small balance commercial real estate mortgage loans. The Interest Rate Sensitive Strategies segment focuses on investments in mortgage servicing rights, excess servicing spread, agency and senior non-agency mortgage-backed securities, and the related interest rate hedging activities. The Corporate segment includes management fee and corporate expense amounts and certain interest income. The company was founded by Stanford L. Kurland on May 18, 2009 and is headquartered in Westlake Village, CA.Show more
  • Revenue $505M -30.5%
  • FFO $161M -19.4%
  • FFO/Share 1.85 +3.7%
  • FFO Payout 86.53% +22.9%
  • FFO per Share 1.85 +3.7%
  • NOI Margin 75.4% -9.3%
  • FFO Margin 31.9% +15.9%
  • ROE 8.26% -18.9%
  • ROA 1.17% -20.8%
  • Debt/Assets 84.19% +5.4%
  • Net Debt/EBITDA 11.47 +44.0%
  • Book Value/Share 22.33 +27.4%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓High NOI margin of 75.4%
  • ✓Share count reduced 22.3% through buybacks
  • ✓Trading near 52-week high
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗High debt to equity ratio of 6.3x
  • ✗Weak Piotroski F-Score: 2/9

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y2.14%
5Y-11.94%
3Y-12.66%
TTM3.91%

Profit (Net Income) CAGR

10Y-1.88%
5Y-6.59%
3Y41.47%
TTM-27.08%

EPS CAGR

10Y-5.72%
5Y-10.76%
3Y74.01%
TTM-32.73%

ROCE

10Y Avg5.02%
5Y Avg5.33%
3Y Avg2.46%
Latest4.61%

Peer Comparison

Real Estate Finance and Mortgage REITs
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Size & Scale
Valuation
Per Share
Growth
Profitability
Quality & Returns
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TTM Growth
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Momentum & Returns
Total Return (DRIP)
Technical
Volume & Trading
Shares & Dilution
Sector-Specific
NameMarket CapCurrent PriceP/E RatioRevenue Growth 1YNet MarginROEFCF YieldDebt/Equity
PMTUPennyMac Mortgage Investment Trust2.23B25.6418.72-30.48%14.55%6.49%6.26
RCCReady Capital Corporation 5.75%4.08B25.04-9.52-92.98%-15.93%-16.58%3.12
SCCFSachem Capital Corp. 7.125% Not1.12B23.50-25.2791.85%-328.53%-18.42%1.14%1.66
SCCESachem Capital Corp. 6.00% Note1.11B23.59-25.37-107.03%-292.13%-19.05%1.16%1127.83
SCCDSachem Capital Corp. 6.00% Notes Due 20261.16B24.65-26.51-107.03%-292.13%-19.05%1.11%1127.83

Compare PMTU vs Peers

Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.

vs RCC

Compare head-to-head with Ready Capital Corporation 5.75%

vs SCCD

Compare head-to-head with Sachem Capital Corp. 6.00% Notes Due 2026

Compare Top 5

vs RCC, SCCD, SCCF, SCCE

Profit & Loss

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Revenue+292.43M311.01M448.93M409.85M953.17M1.41B757.48M-145.66M725.87M504.6M
Revenue Growth %-28.35%6.35%44.35%-8.71%132.57%47.75%-46.21%-119.23%598.32%-30.48%
Property Operating Expenses120.12M157.62M139.93M139.61M234.21M333.27M308.74M175.54M122.1M124.11M
Net Operating Income (NOI)+----------
NOI Margin %----------
Operating Expenses+40.15M35.92M37.29M39.03M50.56M46.27M54.74M48.63M45.53M49.17M
G&A Expenses38.87M34.48M35.81M37.63M48.95M44.83M52.95M46.58M43.49M47.01M
EBITDA+76.35M64.48M129.76M334.68M190.64M1.29B688.32M26.33M1.28B1.03B
EBITDA Margin %----------
Depreciation & Amortization+0000000000
D&A / Revenue %----------
Operating Income+132.16M117.46M271.72M231.2M668.4M1.03B394M-369.84M558.23M331.33M
Operating Margin %----------
Interest Expense+124.71M149.77M151.37M175.17M297.45M270.77M304.74M410.42M735.97M714.66M
Interest Coverage1.06x0.78x1.80x1.32x2.25x3.80x1.29x-0.90x0.76x0.46x
Non-Operating Income132.16M117.46M271.72M231.2M668.4M1.03B394M-369.84M558.23M331.33M
Pretax Income+73.3M61.76M124.55M157.99M190.64M79.73M44.66M63.09M244.4M142.65M
Pretax Margin %----------
Income Tax+16.8M14.05M6.8M5.19M35.72M27.36M12.19M136.37M44.74M18.34M
Effective Tax Rate %----------
Net Income+90.1M75.81M117.75M152.8M226.36M52.37M56.85M-73.29M199.65M160.98M
Net Margin %----------
Net Income Growth %-53.69%-15.86%55.32%29.77%48.14%-76.86%8.56%-228.9%372.43%-19.37%
Funds From Operations (FFO)+----------
FFO Margin %----------
FFO Growth %-40.79%5.5%40.94%23.95%146.87%---400.22%-
FFO per Share+----------
FFO Payout Ratio %----------
EPS (Diluted)+1.161.081.482.202.420.270.26-1.261.631.37
EPS Growth %-53.04%-6.9%37.04%48.65%10%-88.84%-3.7%-584.62%229.37%-15.95%
EPS (Basic)1.191.091.532.202.540.270.26-1.261.801.37
Diluted Shares Outstanding83.34M77.11M74.61M69.36M87.71M99.37M97.4M91.43M111.7M86.81M

Balance Sheet

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Assets+5.83B6.36B5.6B7.81B11.77B11.52B13.77B13.92B13.11B14.41B
Asset Growth %18.81%9.11%-11.84%39.4%50.66%-2.17%19.59%1.08%-5.8%9.87%
Real Estate & Other Assets+0-779.91M-863.18M-1.1B3.31B-3.7B-3.06B-4.01B-8.88B-8.03B
PP&E (Net)0-4.71B-3.75B-7.81B0-7.4B0000
Investment Securities1000K1000K1000K1000K1000K1000K001000K1000K
Total Current Assets+99.97M156.56M96.05M138.77M4703.12B226.98M000
Cash & Equivalents58.11M34.48M77.65M59.84M104.06M2.86B58.98M111.87M281.08M337.69M
Receivables1000K1000K1000K1000K1000K1000K1000K1000K1000K1000K
Other Current Assets1.28M-8.83M14.24M7.18M-197.65M0-15.95M-431.07M-1.89B-1.74B
Intangible Assets459.74M656.57M844.78M1.16B1.54B1.76B2.89B4.01B3.92B3.87B
Total Liabilities4.33B5.01B4.06B6.25B9.32B9.22B11.41B11.96B11.16B12.47B
Total Debt+4.19B4.85B3.93B6.06B9.14B8.94B11.17B11.38B10.47B12.13B
Net Debt4.14B4.81B3.85B6B9.04B-583.6M11.11B11.27B10.19B11.79B
Long-Term Debt000529.85M2.16B2.27B4.46B4.77B4.88B5.59B
Short-Term Borrowings572.17M460.6M189.92M08.45B6.67B9.19B9.42B3.51B3.54B
Capital Lease Obligations0000000000
Total Current Liabilities+269.52M293.27M27.32M70.69M7.15B1.95B6.91B7.13B6.25B6.9B
Accounts Payable64.47M111.87M71.82M106.7M116.86M135.57M106.75M155.87M387.66M173.35M
Deferred Revenue05.01B4.06B6.25B000000
Other Liabilities4.06B4.71B4.03B-529.85M7.61M21.89M40.25M39.47M26.14M6.89M
Total Equity+1.5B1.35B1.54B1.57B2.45B2.3B2.37B1.96B1.96B1.94B
Equity Growth %-5.2%-9.69%14.32%1.4%56.49%-6.29%3.08%-17.09%-0.29%-0.95%
Shareholders Equity1.5B1.35B1.54B1.57B2.45B2.3B2.37B1.96B1.96B1.94B
Minority Interest0000000000
Common Stock738K667K613K610K1M979K949K889K866K869K
Additional Paid-in Capital1.47B1.38B1.29B1.29B2.13B2.1B2.08B1.95B1.92B1.93B
Retained Earnings25.65M-26.72M-46.67M-19.72M22.32M-100.73M-256.67M-526.82M-508.69M-528.92M
Preferred Stock00299.71M299.71M299.71M299.71M541.48M541.48M541.48M541.48M
Return on Assets (ROA)1.68%1.24%1.97%2.28%2.31%0.45%0.45%-0.53%1.48%1.17%
Return on Equity (ROE)5.86%5.33%8.13%9.82%11.27%2.21%2.44%-3.38%10.19%8.26%
Debt / Assets71.97%76.27%70.16%77.52%77.64%77.61%81.08%81.76%79.86%84.19%
Debt / Equity2.80x3.59x2.55x3.87x3.73x3.89x4.72x5.80x5.35x6.26x
Net Debt / EBITDA54.17x74.66x29.71x17.92x47.40x-0.45x16.14x427.96x7.97x11.47x
Book Value per Share17.9517.5220.7022.5827.9423.1124.3121.4717.5222.33

Cash Flow

Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+-863.19M-621.54M223.13M-573.75M-2.99B671.66M-2.82B1.78B1.34B-2.7B
Operating CF Growth %-135.82%27.99%135.9%-357.14%-420.27%122.5%-519.82%163.29%-24.9%-301.68%
Operating CF / Revenue %----------
Net Income90.1M75.81M117.75M152.8M226.36M52.37M56.85M-73.29M199.65M160.2M
Depreciation & Amortization43.98M65.65M81.62M94.33M383.73M006.75M110K0
Stock-Based Compensation6.35M5.75M4.9M5.32M5.53M2.29M2.42M4.31M5.21M-1.85M
Other Non-Cash Items-876.68M-676.15M112.12M-712.94M-3.31B-3.83M-2.38B1.81B992.61M-2.11B
Working Capital Changes-82.95M-26.95M-11.64M13.62M105.75M620.82M-497.4M41.44M142.59M-753.08M
Cash from Investing+11.5M193.95M681.68M-1.42B-704.68M-15.37M1.09B-1.87B-21.73M1.36B
Acquisitions (Net)2.33M2.74M79K000-28.82M000
Purchase of Investments-363.19M-852.91M-252.59M-1.87B-1.27B-2.38B-2.3B-3.8B-3.17B0
Sale of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K0
Other Investing133.62M711.31M648.01M227.29M-595.22M-822.28M1.56B551.2M37.81M1.36B
Cash from Financing+833.41M403.96M-861.63M1.98B3.73B-702.64M1.73B135.89M-1.15B1.4B
Dividends Paid-173.02M-131.56M-140.2M-140.54M-165.94M-176.53M-214.12M-215.37M-182.44M-181.12M
Common Dividends-173.02M-131.56M-126.14M-115.6M-141M-151.58M-183.97M-173.55M-140.62M-139.3M
Debt Issuance (Net)1000K1000K-1000K1000K1000K-1000K1000K1000K1000K1000K
Share Repurchases-16.34M-98.37M-91.2M-10.72M0-37.27M-56.85M-87.99M-28.49M0
Other Financing538.57M486.11M285.98M1.57B1.82B-366.3M245.78M-70.07M-1.01B759.45M
Net Change in Cash+-18.28M-23.63M43.17M-17.8M44.21M-46.35M1.28M52.88M169.22M56.61M
Exchange Rate Effect0000000000
Cash at Beginning76.39M58.11M34.48M77.65M59.84M104.06M57.7M58.98M111.87M281.08M
Cash at End58.11M34.48M77.65M59.84M104.06M57.7M58.98M111.87M281.08M337.69M
Free Cash Flow+-865.52M-624.28M223.05M-573.75M-2.99B671.66M-2.79B1.78B1.33B-2.73B
FCF Growth %-136.46%27.87%135.73%-357.23%-420.27%122.5%-515.53%163.94%-25.72%-306.12%
FCF / Revenue %----------

Key Ratios

Metric2015201620172018201920202021202220232024
FFO per Share1.611.832.673.566.960.530.58-0.731.791.85
FFO Payout Ratio129.04%93%63.27%46.78%23.11%289.42%323.59%-260.82%70.39%86.53%
NOI Margin58.92%49.32%68.83%65.94%75.43%76.33%59.24%220.51%83.18%75.4%
Net Debt / EBITDA54.17x74.66x29.71x17.92x47.40x-0.45x16.14x427.96x7.97x11.47x
Debt / Assets71.97%76.27%70.16%77.52%77.64%77.61%81.08%81.76%79.86%84.19%
Interest Coverage1.06x0.78x1.80x1.32x2.25x3.80x1.29x-0.90x0.76x0.46x
Book Value / Share17.9517.5220.722.5827.9423.1124.3121.4717.5222.33
Revenue Growth-28.35%6.35%44.35%-8.71%132.57%47.75%-46.21%-119.23%598.32%-30.48%

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