PennyMac Mortgage (PMT) Fundamental Analysis: Revenue, Earnings & Valuation

1.12 / 10

Underperform

Fundamental assessment rates PMT.N as Underperform (score 1.1/10). Return on assets is negative (‑10.79%), asset‑growth is down (‑3.84%), and revenue‑to‑market value is weak. Only cash‑to‑market and liability ratios show modest strength, leaving the overall health constrained.

Analysis Checks(4/10)

Revenue-MV

Value-0.50

Score0/3

Weight22.73%

1M Return-3.86%

Net assets per share (growth rate compared to beginning of year %)

Value-3.83

Score0/3

Weight18.66%

1M Return-3.38%

Current liabilities / Total liabilities (%)

Value48.71

Score2/3

Weight0.09%

1M Return-0.01%

Profit-MV

Value1.57

Score0/3

Weight30.32%

1M Return-5.18%

Net income-Revenue

Value1.28

Score1/3

Weight12.36%

1M Return-2.99%

PB-ROE

Value-1.01

Score1/3

Weight16.79%

1M Return-2.85%

Rate of return on total assets (%)

Value-10.79

Score2/3

Weight-2.54%

1M Return0.34%

Annualized return on total assets (%)

Value-10.79

Score2/3

Weight-2.54%

1M Return0.34%

Diluted earnings per share (YoY growth rate %)

Value-27.74

Score1/3

Weight3.21%

1M Return-0.48%

Cash-MV

Value0.02

Score2/3

Weight0.91%

1M Return-0.14%

Is PMT fundamentally strong?

PMT scores 1.12/10 on fundamentals and holds a Premium valuation at present. Backed by its 4.50% ROE, 41.59% net margin, 11.91 P/E ratio, 0.54 P/B ratio, and -27.74% earnings growth, these metrics solidify its Underperform investment rating.