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PennyMac Mortgage Investment Trust (PMT) Total Return Calculator with Dividends Reinvested

PennyMac Mortgage Investment Trust

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The total return for PennyMac Mortgage Investment Trust (PMT) stock is +7.01% over the past 12 months. So far it's down 0.95% this year. The 5-year total return is +1.72%, meaning $10,000 invested in PMT stock 5 years ago would be worth $10,172 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in PMT 1 year ago, it would be worth $10,946 today — you'd have gained $946 with dividends reinvested.

With Dividends Reinvested$10,946+9.46%

Price Only (No DRIP)$9,612-3.88%

Dividend Boost+$1,3354 payments · +13.35% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in PMT

1Y$10,701+$701 (+7.0%)7.0% CAGR

3Y$14,354+$4,354 (+43.5%)12.8% CAGR

5Y$10,172+$172 (+1.7%)0.3% CAGR

10Y$22,183+$12,183 (+121.8%)8.3% CAGR

15Y$22,688+$12,688 (+126.9%)5.6% CAGR

20Y$22,123+$12,123 (+121.2%)4.1% CAGR

30Y$22,123+$12,123 (+121.2%)2.7% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-07-11	$0.40	$12.59	+0.031771
2025-10-10	$0.40	$11.77	+0.035064
2025-12-26	$0.40	$12.53	+0.034057
2026-04-09	$0.40	$11.60	+0.037962

Loading PMT total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-0.95%	—	-4.11%	+3.16 pp	$9,905
1Y	+7.01%	7.01%	-5.46%	+12.47 pp	$10,701
3Y	+43.54%	12.80%	+3.23%	+40.30 pp	$14,354
5Y	+1.72%	0.34%	-39.77%	+41.49 pp	$10,172
10Y	+121.83%	8.29%	-8.87%	+130.69 pp	$22,183
15Y	+126.88%	5.61%	-32.98%	+159.86 pp	$22,688
20Y	+121.23%	4.05%	-36.49%	+157.73 pp	$22,123
30Y	+121.23%	2.68%	-36.49%	+157.73 pp	$22,123

Risk & Highlights

Best Year+50.63%2012

Worst Year-19.95%2022

Max Drawdown-18.90%2026-01-16 → 2026-03-27

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.08%	-3.08%	—	+0.41%	-3.5pp
2025	+12.66%	-0.08%	+12.7pp	+16.64%	-4.0pp
2024	-5.40%	-16.07%	+10.7pp	+24.00%	-29.4pp
2023	+29.91%	+17.35%	+12.6pp	+24.81%	+5.1pp
2022	-19.95%	-30.16%	+10.2pp	-19.95%	-0.0pp

PMT underperformed the S&P 500 by 21.42pp over the past year (+7.01% vs +28.44%).

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PMT Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
PMTPennyMac Mortgage Investment Trust	$1.1B	+1.5%	-0.9%	+7.0%	+12.5pp	+43.5%	+1.7%	+121.8%
MFAMFA Financial, Inc.	$975M	-2.5%	+4.0%	+10.9%	+14.5pp	+34.0%	-3.3%	+10.1%
MITTTPG Mortgage Investment Trust Inc	$251M	+5.7%	-4.7%	+32.9%	+13.4pp	+92.2%	+1.9%	-15.3%
EARNEllington Credit Company	$180M	+4.6%	-3.8%	+8.3%	+18.1pp	+10.5%	-18.2%	+34.9%
CIMChimera Investment Corporation	$1.1B	+4.6%	+10.6%	+24.8%	+12.8pp	+18.2%	-37.3%	+22.9%
IVRInvesco Mortgage Capital Inc.	$577M	-1.5%	+0.4%	+30.3%	+20.7pp	+32.3%	-47.7%	-29.9%
EFCEllington Financial Inc.	$1.3B	+8.3%	-0.4%	+13.6%	+12.1pp	+49.2%	+21.2%	+75.7%
GPMTGranite Point Mortgage Trust Inc.	$66M	+1.5%	-39.2%	-16.8%	+10.5pp	-38.5%	-65.9%	-50.8%
AGNCAGNC Investment Corp.	$9.6B	+5.1%	+2.5%	+38.8%	+16.4pp	+58.8%	-1.2%	+49.5%
NLYAnnaly Capital Management, Inc.	$16.1B	+4.5%	+0.8%	+30.7%	+14.5pp	+59.6%	+2.2%	+39.3%
TWOTwo Harbors Investment Corp.	$1.3B	+11.4%	+22.3%	+15.3%	+11.9pp	+45.7%	-28.2%	-3.9%

Compare:PMT vs MFA PMT vs MITT PMT vs EARN PMT vs MFA vs MITT

About PMT Dividend Returns

PennyMac Mortgage Investment Trust (PMT) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of PMT over the past year?

PennyMac Mortgage Investment Trust (PMT) delivered a total return of 7.01% over the past year when dividends are reinvested. The price-only return was -5.46%, meaning dividends contributed an additional 12.47 percentage points to total returns.

Q2How much would $10,000 invested in PMT be worth today?

A $10,000 investment in PennyMac Mortgage Investment Trust one year ago would be worth $10,701 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $9,454. Dividend reinvestment added $1,247 to the portfolio value.

Q3Does PMT pay dividends?

Yes, PennyMac Mortgage Investment Trust (PMT) pays dividends. In the last year, PMT paid approximately $1.60 per share in dividends (13.21% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did PMT beat the S&P 500?

No, PennyMac Mortgage Investment Trust (PMT) underperformed the S&P 500 by 21.42 percentage points over the past year. PMT delivered a total return of 7.01%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed PMT by 21.42pp during this period.

Q5What is PMT's worst drawdown?

PennyMac Mortgage Investment Trust (PMT) experienced a maximum drawdown of -18.90% over the past year, declining from its peak on 2026-01-16 to its trough on 2026-03-27. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is PMT's long-term total return over 10, 20, or 30 years?

Here are PennyMac Mortgage Investment Trust (PMT)'s long-term returns with dividends reinvested. Over 10 years, the total return is 121.8% (8.3% CAGR) — $10,000 would have grown to $22,183. Over 20 years: 121.2% total return (4.1% CAGR) — $10,000 → $22,123. Over 30 years: 121.2% total return (2.7% CAGR) — $10,000 → $22,123. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was PMT's best and worst year?

PennyMac Mortgage Investment Trust's best calendar year was 2012 with a total return of 50.6%. Its worst year was 2022 with a total return of -20.0%. This range shows the volatility investors should expect — the difference between the best and worst year is 70.6 percentage points.