ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is PennyMac Mortgage Investment Trust ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 25.23%
2
Healthy long term growth as Operating profit has grown by an annual rate of 29.72%
3
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD -5,242.19 MM
- NET PROFIT(Q) At USD 40.63 MM has Fallen at -61.16%
- NET SALES(9M) At USD 1,051.47 MM has Grown at -21.13%
4
With ROE of 21.99%, it has a very attractive valuation with a 0.57 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -6.38%, its profits have risen by 2.2% ; the PEG ratio of the company is 1.3
- At the current price, the company has a high dividend yield of 965.8
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -6.38% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Realty)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is PennyMac Mortgage Investment Trust for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
PennyMac Mortgage Investment Trust
-14.04%
-0.29
26.31%
S&P 500
20.53%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.60%
EBIT Growth (5y)
25.97%
EBIT to Interest (avg)
2.30
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
162.01%
Pledged Shares
0
Institutional Holding
71.01%
ROCE (avg)
63.08%
ROE (avg)
25.23%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
2
Industry P/E
Price to Book Value
0.52
EV to EBIT
0.37
EV to EBITDA
0.37
EV to Capital Employed
0.36
EV to Sales
0.29
PEG Ratio
0.04
Dividend Yield
14.26%
ROCE (Latest)
96.63%
ROE (Latest)
26.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(HY)
At USD 911.53 MM has Grown at 41.51%
NET PROFIT(HY)
At USD 210.94 MM has Grown at 72.99%
INVENTORY TURNOVER RATIO(HY)
Highest at 77.8 times
DIVIDEND PAYOUT RATIO(Y)
Highest at 246.15%
RAW MATERIAL COST(Y)
Fallen by -2.01% (YoY
-17What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -9,161.64 MM
DEBT-EQUITY RATIO
(HY)
Highest at 1,065.26 %
INTEREST COVERAGE RATIO(Q)
Lowest at 131.48
NET PROFIT(Q)
At USD 80.71 MM has Fallen at -35.38%
INTEREST(Q)
Highest at USD 279.75 MM
PRE-TAX PROFIT(Q)
Lowest at USD 88.19 MM
Here's what is working for PennyMac Mortgage Investment Trust
Net Sales
At USD 911.53 MM has Grown at 41.51%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Inventory Turnover Ratio
Highest at 77.8 times and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Dividend Payout Ratio
Highest at 246.15%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by -2.01% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for PennyMac Mortgage Investment Trust
Operating Cash Flow
Lowest at USD -9,161.64 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Interest Coverage Ratio
Lowest at 131.48
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Pre-Tax Profit
At USD 88.19 MM has Fallen at -30.49%
over average net sales of the previous four periods of USD 126.88 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 80.71 MM has Fallen at -35.38%
over average net sales of the previous four periods of USD 124.89 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Debt-Equity Ratio
Highest at 1,065.26 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Interest
Highest at USD 279.75 MM
in the last five periods and Increased by 9.83% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Pre-Tax Profit
Lowest at USD 88.19 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
