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 hold?
- Overall Portfolio exposure to PennyMac Mortgage Investment Trust should be less than 10%
- Overall Portfolio exposure to Realty should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Realty)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PennyMac Mortgage Investment Trust for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
PennyMac Mortgage Investment Trust
-22.42%
-0.29
26.31%
S&P 500
16.12%
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
72.63%
ROCE (avg)
63.08%
ROE (avg)
25.23%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
2
Industry P/E
Price to Book Value
0.54
EV to EBIT
0.40
EV to EBITDA
0.40
EV to Capital Employed
0.39
EV to Sales
0.32
PEG Ratio
0.04
Dividend Yield
13.71%
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
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
INVENTORY TURNOVER RATIO(HY)
Highest at 75.39 times
RAW MATERIAL COST(Y)
Fallen by -8.05% (YoY
CASH AND EQV(HY)
Highest at USD 907.02 MM
NET SALES(Q)
At USD 460.28 MM has Grown at 19.48%
NET PROFIT(Q)
At USD 130.23 MM has Grown at 54.57%
-12What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -7,229.18 MM
DEBT-EQUITY RATIO
(HY)
Highest at 987.21 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 15.86 times
INTEREST(Q)
Highest at USD 254.71 MM
Here's what is working for PennyMac Mortgage Investment Trust
Inventory Turnover Ratio
Highest at 75.39 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
Net Sales
At USD 460.28 MM has Grown at 19.48%
over average net sales of the previous four periods of USD 385.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
At USD 130.23 MM has Grown at 54.57%
over average net sales of the previous four periods of USD 84.26 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Cash and Eqv
Highest at USD 907.02 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -8.05% (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 -7,229.18 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
At USD 254.71 MM has Grown at 11.52%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest
Highest at USD 254.71 MM
in the last five periods and Increased by 11.52% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 987.21 %
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
Debtors Turnover Ratio
Lowest at 15.86 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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