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Upturn AI SWOT - About
PMT 
PennyMac Mortgage Investment Trust (PMT)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/13/2025: PMT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
9 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $13.57
1 Year Target Price $13.57
| 0 | Strong Buy |
| 2 | Buy |
| 7 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -24.9% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.05B USD | Price to earnings Ratio 16.74 | 1Y Target Price 13.57 |
Price to earnings Ratio 16.74 | 1Y Target Price 13.57 | ||
Volume (30-day avg) 9 | Beta 1.22 | 52 Weeks Range 11.05 - 14.02 | Updated Date 08/13/2025 |
52 Weeks Range 11.05 - 14.02 | Updated Date 08/13/2025 | ||
Dividends yield (FY) 13.48% | Basic EPS (TTM) 0.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-21 | When After Market | Estimate 0.3729 | Actual -0.04 |
Profitability
Profit Margin 17.1% | Operating Margin (TTM) 11.7% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 5.53% |
Valuation
Trailing PE 16.74 | Forward PE 9.43 | Enterprise Value 15776949248 | Price to Sales(TTM) 1.71 |
Enterprise Value 15776949248 | Price to Sales(TTM) 1.71 | ||
Enterprise Value to Revenue 64.42 | Enterprise Value to EBITDA - | Shares Outstanding 87016600 | Shares Floating 71252676 |
Shares Outstanding 87016600 | Shares Floating 71252676 | ||
Percent Insiders 0.97 | Percent Institutions 72.13 |
Upturn AI SWOT
PennyMac Mortgage Investment Trust
Company Overview
History and Background
PennyMac Mortgage Investment Trust (PMT) was founded in 2009 in response to the housing market crisis. It is a specialty finance company that invests primarily in mortgage-related assets. The company has grown significantly since its inception, becoming a major player in the mortgage market.
Core Business Areas
- Credit Sensitive Strategies: Investing in distressed mortgages and mortgage-related assets.
- Interest Rate Sensitive Strategies: Investing in mortgage-backed securities and other interest rate-sensitive assets.
- Correspondent Production: Acquiring newly originated mortgages from correspondent lenders.
Leadership and Structure
David Spector is the Chairman and CEO. The company operates with a typical corporate structure including a board of directors and various executive leadership roles overseeing different business segments.
Top Products and Market Share
Key Offerings
- Credit Risk Transfer (CRT) Securities: PMT invests in CRT securities, which transfer credit risk on mortgage loans. Market share data for specific CRT investments is difficult to ascertain. Competitors include other REITs and investment firms focused on credit risk management. Annaly Capital Management (NLY) and AGNC Investment Corp. (AGNC) are competitors.
- Mortgage-Backed Securities (MBS): PMT invests in various types of MBS. Exact market share is hard to determine as the MBS market is vast. BlackRock (BLK) and PIMCO are competitors in the broader MBS market.
- Correspondent Production: PMT purchases mortgage loans from a nationwide network of correspondent lenders. PMT is a large buyer, but the correspondent market is very diverse. United Wholesale Mortgage (UWMC) is a competitor in this space.
Market Dynamics
Industry Overview
The mortgage REIT industry is heavily influenced by interest rates, housing market conditions, and government regulations. The industry is currently facing challenges related to rising interest rates and economic uncertainty.
Positioning
PennyMac Mortgage Investment Trust positions itself as a flexible investor across the mortgage market. Its competitive advantage lies in its integrated platform with PennyMac Financial Services (PFSI).
Total Addressable Market (TAM)
The TAM for mortgage-related assets is in the trillions of dollars. PMT, with its current market cap, has a relatively small portion of the overall TAM but can benefit from fluctuations in housing and interest rate markets.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Integrated platform with PennyMac Financial Services
- Diversified investment portfolio
- Strong access to capital
Weaknesses
- Sensitivity to interest rate changes
- Exposure to credit risk
- Reliance on external management (affiliated with PFSI)
- Complexity of mortgage-related investments
Opportunities
- Expansion of correspondent lending business
- Increased investment in distressed mortgage assets
- Capitalizing on market dislocations
- Growth in the housing market
Threats
- Rising interest rates
- Economic recession
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- NLY
- AGNC
- IVR
Competitive Landscape
PMT's integrated platform provides a competitive advantage, but it faces competition from larger, more established mortgage REITs.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data to be populated based on latest report
Future Projections: Future projections to be populated based on latest report
Recent Initiatives: Recent strategic initiatives to be populated based on latest report
Summary
PennyMac Mortgage Investment Trust is a mortgage REIT with a diversified portfolio, benefiting from its integrated platform. However, it is susceptible to interest rate volatility and credit risk. Future success hinges on adapting to market conditions and effectively managing its portfolio. Competition from larger REITs and economic uncertainty remain key challenges.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PennyMac Mortgage Investment Trust
Exchange NYSE | Headquaters Westlake Village, CA, United States | ||
IPO Launch date 2009-07-30 | Chairman of the Board & CEO Mr. David A. Spector | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 7 | Website https://pmt.pennymac.com |
Full time employees 7 | Website https://pmt.pennymac.com | ||
PennyMac Mortgage Investment Trust, through its subsidiary, primarily invests in residential mortgage-related assets in the United States. The company operates through: Credit Sensitive Strategies, Interest Rate Sensitive Strategies, Correspondent Production segments. The Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements and subordinate mortgage-backed securities (MBS). The Interest Rate Sensitive Strategies segment engages in investing in mortgage servicing rights, base servicing and excess servicing spreads, and agency and senior non-agency MBS, as well as related interest rate hedging activities. The Correspondent Production segment is involved in purchasing, pooling, and reselling newly originated prime credit quality loans directly or in the form of MBS. The company primarily sells its loans to government-sponsored entities. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its shareholders. The company was incorporated in 2009 and is headquartered in Westlake Village, California.
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