PennyMac Mortgage (8PM) Stock Price & Analysis
8PM Stock Chart & Stats
- Day’s Range
- EUR 6.50 - EUR 6.69
- 52-Week Range
- EUR 5.95 - EUR 11.80
- Previous Close
- EUR 6.66
- Volume
- 0
- Average Volume (3M)
- 50
- Market Cap
- EUR 583.26M
- Enterprise Value
- EUR 25.64B
- Total Cash (Recent Filing)
- EUR 310.00M
- Total Debt (Recent Filing)
- EUR 24.72B
- Price to Earnings (P/E)
- 15.6
- Beta
- 0.51
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.28
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 21.49%
Bulls Say, Bears Say
Bulls Say
Securitization Growth
A sizable securitization pipeline supports recurring investment creation and expands PMT’s retained credit portfolio. Targeted returns in the low to mid-teens could improve earnings power and diversify results beyond existing mortgage servicing assets over the next several quarters.
Portfolio Diversification
Diversification across MSRs, Agency MBS and credit assets can reduce dependence on any single mortgage-market outcome. PMT’s modeled sensitivity below peer averages suggests its portfolio construction and hedging may provide greater resilience when rates or spreads move adversely.
Improved Operating Run Rate
Improved adjusted earnings indicate that underlying operating performance strengthened despite market volatility and valuation movements. If interest-rate-sensitive strategies continue contributing and capital is redeployed effectively, the higher run rate can support more durable returns than reported GAAP results alone.
Bears Say
High Leverage
Heavy reliance on debt makes PMT more sensitive to funding costs, asset values and market liquidity. Rising leverage reduces financial flexibility and can amplify book-value declines or earnings pressure when mortgage spreads widen, rates rise, or financing conditions become less favorable.
Unstable Cash Generation
Deeply negative and volatile recent cash flow suggests reported earnings do not consistently translate into internally generated cash. That pattern can increase reliance on financing, asset sales or portfolio changes to meet obligations and fund investments, weakening balance-sheet resilience.
Credit And Market Losses
Losses in credit-sensitive investments show that expanding the credit portfolio can introduce meaningful mark-to-market and spread risk. These losses can offset recurring income, pressure book value and make earnings less predictable when rates rise or non-Agency spreads reprice wider.
PennyMac Mortgage News
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PennyMac Mortgage Stock Smart Score
Company Description
PennyMac Mortgage
PennyMac Mortgage Investment Trust (PMT) functions as a specialized financial firm, concentrating its investments primarily on mortgage-related assets within the United States. The company operates through several key divisions: Its Credit Sensitive Strategies segment channels capital into various instruments, including credit risk transfer (CRT) agreements and securities, distressed loans, real estate holdings, and non-agency subordinated bonds. The Interest Rate Sensitive Strategies segment focuses on investments such as mortgage servicing rights, excess servicing spreads, and both agency and senior non-agency mortgage-backed securities (MBS), while also undertaking related interest rate hedging activities. Through its Correspondent Production segment, PMT engages in the acquisition, pooling, and subsequent resale of newly originated prime credit residential loans, either directly or packaged as MBS. The trust is externally managed by PNMAC Capital Management, LLC. For federal income tax purposes, PennyMac Mortgage Investment Trust qualifies as a real estate investment trust (REIT). This status generally allows it to avoid federal corporate income taxes, provided it distributes at least 90% of its taxable income to its shareholders. PMT was founded in 2009 and has its headquarters situated in Westlake Village, California.
- Sector
- Realestate
- Industry
- REIT - Mortgage
- CEO
- David A. Spector
- Employees
- 7
- Website
- pmt.pennymac.com
- Address
- 3043 Townsgate Road, Suite 200, Westlake Village, CA, 91361, US
PennyMac Mortgage (8PM) Earnings & Revenues
8PM Company Deck
8PM Earnings Call
Earnings Call SentimentPositive
The call was fundamentally constructive, with improved adjusted earnings, a 15% increase in projected run rate return potential, substantial MSR monetization, active capital rotation into higher-return credit investments, strong securitization demand and lower risk sensitivity than peers. These positives were offset by a $36 million net loss, a 5% decline in book value per share, significant market-driven valuation losses, lower aggregation income, higher leverage and an expected reduction in the common dividend.
View all DE:8PM earnings summaries8PM Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 4 | 10 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 6 | 0 | 6 |
