# PennyMac Mortgage Investment Trust of Beneficial Interest (PMT) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Mortgage REITs. Price $7.89, market value $686 million.

## Valuation
- **P/E (trailing): 5.5×** (5-yr avg 15.9×, 3-yr avg 8.7×). PennyMac Mortgage Investment Trust of Beneficial Interest trades at 5.5× trailing earnings, well below its own five-year average of 15.9×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 5.7×, higher than trailing, so analysts expect earnings to fall.
- **Price / sales: 2.0×**. Each dollar of revenue is priced at 2.0×.
- **Price / book: 0.6×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 18.3%**. The inverse of the P/E: 18.3% of the price is earned each year.

## Profitability
- **Net margin: 41.6%**. 41.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.8%**. 6.8% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.8%**. Each dollar of assets produces 0.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -8.0%** (3-yr 0.4%/yr, 5-yr -8.1%/yr). Revenue fell 8.0% over the last year, against -8.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -27.7%** (5-yr 29.7%/yr). Earnings per share fell 27.7%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 2/9**. 2 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 20.28%** ($1.60 per share, trailing). PennyMac Mortgage Investment Trust of Beneficial Interest yields 20.28%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 109%**. The dividend exceeds earnings (109% payout), which is rarely sustainable outside REITs and one-off years.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Dividend growth (5 yr): 1.0%/yr** (1-yr 0.0%). The dividend has grown 1.0% a year over five years.

## Analyst view
- **Analyst consensus: hold** (6 analysts). 6 analysts cover PennyMac Mortgage Investment Trust of Beneficial Interest; the consensus is hold, with an average price target of $10.29 (+30% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -26.0%** (YTD -31.2%, 3-mo -14.9%). The shares are down 26.0% over twelve months including dividends.
- **From 52-week high: -42.9%** (17.8% above the low). Trading 43% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 61**. An RSI of 61 is neutral.
- **Beta (1 yr): 0.54** (volatility 30%). Beta of 0.54 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PMT · Page: https://foliofundamentals.com/stocks/pmt

Not investment advice.