US · PMT
PennyMac Mortgage Investment Trust
- Sector
- Real Estate · REIT - Mortgage
- Headquarters
- Westlake Village, CA 91361
Price · as of 2025-12-31
$12.33
Market cap 1.07B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $197.51 | +1,501.87% |
| Intrinsic Value(DCF) | $6.11 | -50.45% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | $357.57 | +2,799.98% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.01 | $105.58 | $9,084,422.62 | $10.42 | $385.52 |
| 2012 | $5.84 | $34.99 | $13.76 | $10.80 | $821.31 |
| 2013 | $6.18 | $36.82 | $2,869.11 | $4.01 | $113.82 |
| 2014 | $6.03 | $27.67 | $5.14 | $0.00 | $11.90 |
| 2015 | $4.50 | $7.83 | $6.50 | $0.00 | $0.00 |
| 2016 | $6.20 | $43.19 | $9.19 | $0.00 | $15.74 |
| 2017 | $7.24 | $74.71 | $0.00 | $0.46 | $90.08 |
| 2018 | $9.37 | $112.06 | $0.00 | $3.20 | $0.00 |
| 2019 | $10.71 | $103.35 | $19.95 | $13.84 | $386.76 |
| 2020 | $10.81 | $131.10 | $3,525.22 | $0.00 | $28.38 |
| 2021 | $9.87 | $142.88 | $12.13 | $0.00 | $0.00 |
| 2022 | $8.39 | $178.44 | $0.00 | $0.00 | $84.87 |
| 2023 | $11.19 | $133.35 | $12.71 | $2.50 | |
| 2024 | $12.99 | $84.73 | $12.58 | $0.31 | $0.00 |
| 2025 | $12.19 | $197.51 | $3.17 | $0.00 | $357.57 |
AI valuation
Our deep-learning model estimates PennyMac Mortgage Investment Trust's (PMT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $197.51
- Current price
- $12.33
- AI upside
- +1,501.87%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$6.11
-50.45% upside
Graham-Dodd
—
— upside
Graham Formula
$357.57
+2,799.98% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PMT | PennyMac Mortgage Investm… | $12.33 | 1.07B | +1,502% | -50% | — | +2,800% | 8.29 | 0.56 | 0.61 | 20.42 | — | -0.60 | 91.61% | 78.96% | 7.33% | 6.68% | 5.31% | 0.72% | 10.12 | 1.58 | 0.03 | 0.06 | 19.52 | -2774.00% | 24581.00% | -10521.00% | 13.42% | 0.02 | 0.86% | 17.09% | 141.70% | 17.19% | 14.29 | 138.40 | 11.29 | -0.15 |
| ACRE | Ares Commercial Real Esta… | $5.02 | 277.95M | +467% | +27% | — | — | -316.42 | 0.56 | 3.34 | 18.57 | — | 0.58 | 57.36% | 72.39% | -1.06% | -0.17% | 3.89% | -0.05% | 2.06 | 0.95 | 0.08 | 0.05 | 14.51 | -9744.00% | -279.00% | -4452.00% | 6.91% | 0.02 | 1.24% | 13.67% | -4324.90% | 45.34% | 21.10 | 66.09 | 15.27 | -0.53 |
| ARI | Apollo Commercial Real Es… | $10.60 | 1.48B | +222% | -28% | -87% | -20% | 11.69 | 0.80 | 2.09 | 15.48 | — | 0.80 | 80.05% | 65.36% | 17.84% | 6.79% | 5.27% | 1.38% | 4.27 | 1.01 | 0.30 | 0.30 | 13.00 | -18351.00% | 128.00% | 3759.00% | 2.86% | 0.20 | 0.48% | 10.36% | 121.20% | 10.36% | 19.94 | 218.85 | 13.03 | 0.16 |
| DX | Dynex Capital, Inc. | $14.03 | 2.06B | +766% | -52% | +133% | +613% | 5.40 | 0.70 | 4.10 | 19.92 | 8.20 | 0.70 | 100.00% | 175.59% | 75.89% | 17.50% | 6.46% | 2.50% | 5.65 | 1.76 | — | — | 17.59 | 6577.00% | 3220.00% | 73950.00% | 7.02% | — | 1.06% | 0.00% | 0.00% | 0.00% | 19.92 | 121.70 | 34.97 | 0.27 |
| EARN | Ellington Credit Company | $4.89 | 183.72M | +1,390% | +26% | — | -100% | 22.55 | 0.77 | 2.93 | 95.78 | — | 0.77 | 31.34% | 14.00% | 13.00% | 3.99% | 0.85% | 0.74% | 2.91 | 0.20 | 0.13 | 0.13 | 74.85 | -2258.00% | -845.00% | -19092.00% | 6.14% | 0.02 | 1.17% | 14.96% | 337.30% | 122.60% | 95.78 | 74.59 | 13.41 | -0.79 |
| EFC | Ellington Financial Inc. | $12.42 | 1.18B | -33% | -61% | — | +139% | 7.15 | 0.67 | 3.76 | — | 13.12 | 0.69 | 100.00% | 41.20% | 51.69% | 9.59% | 1.45% | 0.94% | 0.00 | 0.42 | — | — | — | 5455.00% | 1001.00% | 7801.00% | -40.63% | — | -5.38% | 15.43% | 110.40% | 1272.46% | 7.46 | -2.01 | 3.07 | 0.05 |
| KREF | KKR Real Estate Finance T… | $6.95 | 455.15M | +603% | -0% | — | +39% | -9.59 | 0.41 | 1.06 | 18.53 | — | 0.41 | 88.30% | 59.31% | -10.27% | -4.01% | 4.54% | -0.79% | 4.00 | 0.84 | 0.32 | 0.32 | 16.76 | -65263.00% | -2272.00% | -4641.00% | 13.77% | 0.21 | 1.12% | 18.20% | -174.60% | 65.31% | 18.75 | 76.36 | 11.12 | 0.11 |
| RWT | Redwood Trust, Inc. | $6.05 | 766.43M | +3,502% | -60% | -11% | +79% | -9.83 | 0.70 | 3.88 | -848.93 | — | 0.73 | 138.96% | -12.95% | -39.48% | -6.45% | -0.11% | -0.33% | 22.69 | -1.27 | — | — | -823.21 | -29688.00% | -2686.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | -988.99 | — | 128.12 | 1.05 |
| TWO | Two Harbors Investment Co… | $10.33 | 1.09B | +746% | +219% | — | — | -2.34 | 0.59 | 1.12 | 5.39 | — | -1.68 | 98.66% | 44.15% | -47.70% | -23.24% | 14.27% | -3.94% | 4.79 | 0.86 | 0.19 | 0.97 | 18.36 | -28397.00% | 1260.00% | -11734.00% | -1.42% | 0.01 | -0.51% | 20.91% | -49.00% | 21.08% | 5.39 | -150.52 | 2.38 | -1.01 |
About PennyMac Mortgage Investment Trust
PennyMac Mortgage Investment Trust, a specialty finance company, primarily invests in mortgage-related assets in the United States. The company's Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements, CRT securities, distressed loans, real estate, and non-agency subordinated bonds. Its Interest Rate Sensitive Strategies segment engages in investing in mortgage servicing rights, excess servicing spreads, and agency and senior non-agency mortgage-backed securities (MBS), as well as related interest rate hedging activities. The company's Correspondent Production segment is involved in purchasing, pooling, and reselling newly originated prime credit residential loans directly or in the form of MBS. PNMAC Capital Management, LLC acts as the manager of PennyMac Mortgage Investment Trust. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its shareholders. PennyMac Mortgage Investment Trust was founded in 2009 and is headquartered in Westlake Village, California.
- CEO
- David A. Spector
- Employees
- 7
- Beta
- 1.25
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($6.11 ÷ $12.33) − 1 = -50.45% (DCF, example).