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PMT 
PennyMac Mortgage Investment Trust (PMT)
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Upturn Advisory Summary
11/28/2025: PMT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -23.43% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.12B USD | Price to earnings Ratio 13.96 | 1Y Target Price 13.57 |
Price to earnings Ratio 13.96 | 1Y Target Price 13.57 | ||
Volume (30-day avg) 9 | Beta 1.27 | 52 Weeks Range 10.69 - 13.56 | Updated Date 12/1/2025 |
52 Weeks Range 10.69 - 13.56 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 12.38% | Basic EPS (TTM) 0.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.61% | Operating Margin (TTM) 21.8% |
Management Effectiveness
Return on Assets (TTM) 0.77% | Return on Equity (TTM) 6.4% |
Valuation
Trailing PE 13.96 | Forward PE 7.76 | Enterprise Value 17658472448 | Price to Sales(TTM) 1.98 |
Enterprise Value 17658472448 | Price to Sales(TTM) 1.98 | ||
Enterprise Value to Revenue 59.76 | Enterprise Value to EBITDA - | Shares Outstanding 87016604 | Shares Floating 72092386 |
Shares Outstanding 87016604 | Shares Floating 72092386 | ||
Percent Insiders 0.98 | Percent Institutions 70.64 |
Upturn AI SWOT
PennyMac Mortgage Investment Trust
Company Overview
History and Background
PennyMac Mortgage Investment Trust (PMT) was founded in 2009 and went public that same year. It focuses on investing in mortgage-related assets, primarily residential mortgage loans and mortgage-backed securities. PMT has evolved to become a significant player in the mortgage finance sector.
Core Business Areas
- Correspondent Production: This segment purchases, aggregates, and sells mortgage loans from a network of correspondent sellers. It is closely tied to the origination market.
- Credit Sensitive Strategies: This segment invests in distressed mortgages, mortgage-related assets and real estate. They aim to generate returns through active management of these assets.
- Interest Rate Sensitive Strategies: This segment invests in mortgage-backed securities (MBS) and other assets with a primary focus on managing interest rate risk and generating current income. They invest in Agency and non-Agency MBS.
Leadership and Structure
David Spector serves as Chairman and Chief Executive Officer. The company is structured as a real estate investment trust (REIT).
Top Products and Market Share
Key Offerings
- Credit Risk Transfer (CRT) Securities: PMT invests in CRT securities linked to Fannie Mae and Freddie Mac pools of mortgages. Market share data is not readily available on just PMT. CRT investors include hedge funds and REITs. CRT offers some exposure to the housing market without directly owning mortgages.
- Mortgage Servicing Rights (MSRs): PMT acquires and manages MSRs, generating income from servicing fees and ancillary revenues. Competitors include New Residential Investment Corp., Rithm Capital Corp., and Ocwen Financial Corp.
- Non-Agency Residential Mortgage Loans: PMT invests in non-agency residential mortgage loans, which are loans not guaranteed by government agencies. Competitors include Redwood Trust, Inc., and other private mortgage investors.
Market Dynamics
Industry Overview
The mortgage REIT industry is sensitive to interest rate fluctuations, credit spreads, and housing market conditions. The industry is experiencing volatility due to economic uncertainty and changing regulatory landscape.
Positioning
PennyMac Mortgage Investment Trust is a well-established mortgage REIT with a diversified investment strategy. It possesses deep expertise in mortgage servicing and credit risk management. PMT can have difficulty competing on price with banks with access to cheaper capital.
Total Addressable Market (TAM)
The total addressable market for mortgage-related assets is substantial, estimated in trillions of dollars. PMT's positioning allows it to capitalize on opportunities in both the agency and non-agency mortgage sectors, representing a small slice of TAM.
Upturn SWOT Analysis
Strengths
- Experienced Management Team
- Diversified Investment Portfolio
- Strong Mortgage Servicing Capabilities
- Established Correspondent Lending Platform
Weaknesses
- Sensitivity to Interest Rate Changes
- Dependence on Macroeconomic Conditions
- Exposure to Credit Risk
- Complexity of Investment Portfolio
Opportunities
- Expansion of Correspondent Lending Network
- Growth in Non-Agency Mortgage Market
- Strategic Acquisitions
- Increased demand for mortgage servicing
Threats
- Rising Interest Rates
- Economic Recession
- Increased Competition
- Regulatory Changes
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- IVR
Competitive Landscape
PennyMac Mortgage Investment Trust operates in a competitive landscape. Its advantages lie in its servicing expertise and diversified investment strategy. It faces challenges from larger competitors with greater access to capital.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by strategic acquisitions and the expansion of its correspondent lending platform. PMT's growth is linked to mortgage market activity.
Future Projections: Future growth projections are subject to analyst estimates and market conditions. Factors include mortgage rate environment, housing market trends, and overall economic conditions.
Recent Initiatives: Recent initiatives likely involve strategic portfolio adjustments and efforts to enhance operational efficiency. Analyst calls and investor presentations can provide further detail.
Summary
PennyMac Mortgage Investment Trust is a mortgage REIT with a diversified investment portfolio and strong servicing capabilities. Its performance is sensitive to interest rate changes and macroeconomic conditions, but is positioned to take advantage of opportunities in the mortgage sector. Key strengths are its experienced management and correspondent lending platform. Investors need to watch out for threats such as rising rates and potential recession and high debt.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with a qualified financial advisor. Market share data is approximate and may vary depending on the source.
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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