PennyMac Mortgage Investment Trust (PMT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PennyMac Mortgage Investment Trust stock (PMT) is currently trading at $11.42. PennyMac Mortgage Investment Trust PE ratio is 11.33. PennyMac Mortgage Investment Trust PS ratio (Price-to-Sales) is 1.35. Analyst consensus price target for PMT is $13.36. WallStSmart rates PMT as Moderate Buy.
- PMT PE ratio analysis and historical PE chart
- PMT PS ratio (Price-to-Sales) history and trend
- PMT intrinsic value — DCF, Graham Number, EPV models
- PMT stock price prediction 2025 2026 2027 2028 2029 2030
- PMT fair value vs current price
- PMT insider transactions and insider buying
- Is PMT undervalued or overvalued?
- PennyMac Mortgage Investment Trust financial analysis — revenue, earnings, cash flow
- PMT Piotroski F-Score and Altman Z-Score
- PMT analyst price target and Smart Rating
PennyMac Mortgage Investment Trust
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PMT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PennyMac Mortgage Investment Trust (PMT)
PMT trades at a significant discount to its Graham intrinsic value of $33.66, offering a 63% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PennyMac Mortgage Investment Trust (PMT) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
PennyMac Mortgage Investment Trust (PMT) Key Strengths (6)
Trading below book value, meaning the market prices it less than net assets
Revenue surging 1068.00% year-over-year
Strong operational efficiency: $21 kept per $100 revenue
Paying $1.35 for every $1 of annual revenue
Strong profitability: $18 kept per $100 revenue
68.46% held by institutions, strong professional interest
Supporting Valuation Data
PennyMac Mortgage Investment Trust (PMT) Areas to Watch (4)
Low profitability relative to shareholder equity
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Solid earnings growth at 17.00%
Supporting Valuation Data
PennyMac Mortgage Investment Trust (PMT) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 8.7/10) while 4 fall into concern territory (avg 4.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Price/Book, Revenue Growth, Operating Margin. Valuation metrics including Price/Sales (1.35), Price/Book (0.72) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 21.10%, Profit Margin at 17.70%. Growth metrics are encouraging with Revenue Growth at 1068.00%.
The Bear Case
The primary concerns are Return on Equity, PEG Ratio, Market Cap. Some valuation metrics including PEG Ratio (2.12) suggest expensive pricing. Growth concerns include EPS Growth at 17.00%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.69%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.69% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 1068.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Price/Book and Revenue Growth makes a compelling case at current levels. The key risk is Return on Equity, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PMT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PMT's Price-to-Sales ratio of 1.35x trades at a deep discount to its historical average of 9.56x (3th percentile). The current valuation is 97% below its historical high of 46.65x set in Feb 2011, and 129% above its historical low of 0.59x in Jan 2026. Over the past 12 months, the PS ratio has compressed from ~2.5x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for PennyMac Mortgage Investment Trust (PMT) · REAL ESTATE › REIT - MORTGAGE
The Big Picture
PennyMac Mortgage Investment Trust is a strong growth company balancing expansion with improving profitability. Revenue reached 721M with 1068% growth year-over-year. Profit margins of 17.7% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 1068% YoY, reaching 721M. This pace significantly outperforms most REIT - MORTGAGE peers.
Free cash flow is -3.3B, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
Debt-to-equity ratio of 10.12 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can PennyMac Mortgage Investment Trust maintain 1068%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 13.8%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 19.1B is significantly higher than cash (272M). Monitor refinancing risk.
Sector dynamics: monitor REIT - MORTGAGE industry trends, competitive moves, and regulatory changes that could impact PennyMac Mortgage Investment Trust.
Bottom Line
PennyMac Mortgage Investment Trust offers an attractive blend of growth (1068% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(106 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:05:40 AM
About PennyMac Mortgage Investment Trust(PMT)
NYSE
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.