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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| PMT | +3.89% | +38.37% | +6.7% | +259% |
| S&P | +16.9% | +95.99% | +14.39% | +588% |
PennyMac 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.
Once the Fed stops tightening, the mortgage-backed security market should return to normal.
Credit risk transfer securities saved the day in the first quarter.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $444.01M | -9.4% |
| Gross Profit | $407.62M | -8.5% |
| Gross Margin | 91.81% | 0.9% |
| Market Cap | $1.07B | -13.9% |
| Market Cap / Employee | $152.40M | 0.0% |
| Employees | 7 | 0.0% |
| Net Income | $58.30M | 41.1% |
| EBITDA | $296.60M | 21.2% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $263.49M | -23.5% |
| Inventory | 1.7 | -55.6% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $8.56B | 300.2% |
| Short Term Debt | $7.71B | -10.5% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.77% | -0.5% |
| Return On Invested Capital | 2.00% | -0.7% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | -$2,020.26M | -962.2% |
| Operating Free Cash Flow | -$2,020.26M | -962.2% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 9.45 | 15.73 | 17.75 | 13.34 | 26.78% |
| Price to Book | 0.78 | 0.91 | 0.82 | 0.81 | -9.04% |
| Price to Sales | 0.81 | 0.87 | 0.73 | 0.71 | 5.01% |
| Price to Tangible Book Value | -0.45 | -0.52 | -0.46 | -0.44 | -9.28% |
| Price to Free Cash Flow TTM | 1.45 | 0.79 | 4.14 | - | |
| Enterprise Value to EBITDA | 33.98 | 94.79 | 49.26 | 58.79 | 18.97% |
| Free Cash Flow Yield | 68.9% | 127.2% | 24.2% | - | |
| Return on Equity | 8.2% | 6.4% | 5.5% | 6.4% | -25.73% |
| Total Debt | $12.09B | $12.63B | $14.55B | $16.27B | 51.28% |
PMT earnings call for the period ending June 30, 2022.
PMT earnings call for the period ending December 31, 2021.
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