PennyMac Mortgage Investment Trust (PMT)vsStarwood Property Trust Inc (STWD)
PMT
PennyMac Mortgage Investment Trust
$9.65
+3.32%
REAL ESTATE · Cap: $822.32M
STWD
Starwood Property Trust Inc
$16.45
+3.26%
REAL ESTATE · Cap: $6.08B
Smart Verdict
WallStSmart Research — data-driven comparison
PennyMac Mortgage Investment Trust generates 4% more annual revenue ($602.22M vs $580.84M). STWD leads profitability with a 60.5% profit margin vs 27.6%. PMT appears more attractively valued with a PEG of 0.76. PMT earns a higher WallStSmart Score of 66/100 (B-).
PMT
Strong Buy66
out of 100
Grade: B-
STWD
Buy59
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.8%
Fair Value
$49.06
Current Price
$9.65
$39.41 discount
Margin of Safety
+84.5%
Fair Value
$116.56
Current Price
$16.45
$100.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Strong operational efficiency at 20.8%
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 21.8% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Weak financial health signals
Revenue declined 50.5%
Expensive relative to growth rate
ROE of 5.3% — below average capital efficiency
Weak financial health signals
Earnings declined 60.4%
Comparative Analysis Report
WallStSmart ResearchBull Case : PMT
The strongest argument for PMT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 27.6% and operating margin at 20.8%. PEG of 0.76 suggests the stock is reasonably priced for its growth.
Bull Case : STWD
The strongest argument for STWD centers on Price/Book, Profit Margin, P/E Ratio. Profitability is solid with margins at 60.5% and operating margin at 17.4%. Revenue growth of 21.8% demonstrates continued momentum.
Bear Case : PMT
The primary concerns for PMT are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 10.87 is elevated, increasing financial risk.
Bear Case : STWD
The primary concerns for STWD are PEG Ratio, Return on Equity, Piotroski F-Score. Debt-to-equity of 3.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
PMT profiles as a declining stock while STWD is a growth play — different risk/reward profiles.
PMT carries more volatility with a beta of 1.12 — expect wider price swings.
STWD is growing revenue faster at 21.8% — sustainability is the question.
STWD generates stronger free cash flow (-56M), providing more financial flexibility.
Bottom Line
PMT scores higher overall (66/100 vs 59/100), backed by strong 27.6% margins. STWD offers better value entry with a 84.5% margin of safety. 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.
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.
Visit Website →Starwood Property Trust Inc
REAL ESTATE · REIT - MORTGAGE · USA
Starwood Property Trust, Inc. is a real estate investment trust (REIT) in the United States and Europe. The company is headquartered in Greenwich, Connecticut.
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