WallStSmart

Iron Mountain Incorporated (IRM)vsPennyMac Mortgage Investment Trust (PMT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Iron Mountain Incorporated generates 855% more annual revenue ($7.25B vs $758.84M). PMT leads profitability with a 18.8% profit margin vs 3.8%. PMT appears more attractively valued with a PEG of 0.76. PMT earns a higher WallStSmart Score of 69/100 (B-).

IRM

Buy

64

out of 100

Grade: C+

Growth: 8.7Profit: 7.0Value: 2.7Quality: 3.3
Piotroski: 2/9Altman Z: 0.12

PMT

Strong Buy

69

out of 100

Grade: B-

Growth: 5.0Profit: 6.5Value: 9.3Quality: 3.3
Piotroski: 2/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

IRMOvervalued (-5.0%)

Margin of Safety

-5.0%

Fair Value

$95.45

Current Price

$128.84

$33.39 premium

UndervaluedFair: $95.45Overvalued
PMTUndervalued (+82.9%)

Margin of Safety

+82.9%

Fair Value

$72.35

Current Price

$11.00

$61.35 discount

UndervaluedFair: $72.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

IRM4 strengths · Avg: 9.0/10
Return on EquityProfitability
225.1%10/10

Every $100 of equity generates 225 in profit

EPS GrowthGrowth
860.0%10/10

Earnings expanding 860.0% YoY

Operating MarginProfitability
21.0%8/10

Strong operational efficiency at 21.0%

Revenue GrowthGrowth
21.6%8/10

Revenue surging 21.6% year-over-year

PMT4 strengths · Avg: 9.5/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Operating MarginProfitability
32.7%10/10

Strong operational efficiency at 32.7%

PEG RatioValuation
0.768/10

Growing faster than its price suggests

Areas to Watch

IRM4 concerns · Avg: 2.5/10
Profit MarginProfitability
3.8%3/10

3.8% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

PEG RatioValuation
2.702/10

Expensive relative to growth rate

P/E RatioValuation
137.8x2/10

Premium valuation, high expectations priced in

PMT4 concerns · Avg: 2.8/10
Market CapQuality
$966.20M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-56.6%2/10

Revenue declined 56.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : IRM

The strongest argument for IRM centers on Return on Equity, EPS Growth, Operating Margin. Revenue growth of 21.6% demonstrates continued momentum.

Bull Case : PMT

The strongest argument for PMT centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 32.7%. PEG of 0.76 suggests the stock is reasonably priced for its growth.

Bear Case : IRM

The primary concerns for IRM are Profit Margin, Piotroski F-Score, PEG Ratio. A P/E of 137.8x leaves little room for execution misses. Thin 3.8% margins leave little buffer for downturns.

Bear Case : PMT

The primary concerns for PMT are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 10.12 is elevated, increasing financial risk.

Key Dynamics to Monitor

IRM profiles as a growth stock while PMT is a declining play — different risk/reward profiles.

IRM carries more volatility with a beta of 1.23 — expect wider price swings.

IRM is growing revenue faster at 21.6% — sustainability is the question.

IRM generates stronger free cash flow (-179M), providing more financial flexibility.

Bottom Line

PMT scores higher overall (69/100 vs 64/100), backed by strong 18.8% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Iron Mountain Incorporated

REAL ESTATE · REIT - SPECIALTY · USA

Iron Mountain Inc. (NYSE: IRM) is an American enterprise information management services company founded in 1951 and headquartered in Boston, Massachusetts.

PennyMac Mortgage Investment Trust

REAL ESTATE · REIT - MORTGAGE · USA

PennyMac Mortgage Investment Trust, a specialty finance company, invests primarily in mortgage-related assets in the United States. The company is headquartered in Westlake Village, California.

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