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PennyMac Mortgage (PMT)
NYSE:PMT
US Market

PennyMac Mortgage (PMT) Ratios

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PennyMac Mortgage Ratios

PMT's free cash flow for Q1 2025 was $-0.78. For the 2025 fiscal year, PMT's free cash flow was decreased by $ and operating cash flow was $43.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.92 0.60 0.12 20.26 25.03
Quick Ratio
0.92 0.60 0.12 20.11 24.80
Cash Ratio
0.92 0.35 0.49 18.34 22.89
Solvency Ratio
0.01 0.08 -0.01 0.06 0.03
Operating Cash Flow Ratio
-7.44 1.68 0.60 -29.32 5.38
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -12.13B$ -10.68B$ -11.59B$ -9.46B$ -6.10B
Leverage Ratios
Debt-to-Assets Ratio
0.39 0.37 0.34 0.33 0.20
Debt-to-Equity Ratio
2.88 2.48 2.43 1.90 0.99
Debt-to-Capital Ratio
0.74 0.71 0.71 0.65 0.50
Long-Term Debt-to-Capital Ratio
0.00 0.71 0.00 0.00 0.00
Financial Leverage Ratio
7.43 6.70 7.09 5.82 5.01
Debt Service Coverage Ratio
1.46 1.68 -0.20 0.19 0.19
Interest Coverage Ratio
>-0.01 0.76 0.12 0.15 0.29
Debt to Market Cap
0.00 3.71 0.00 0.00 0.00
Interest Debt Per Share
72.59 63.91 56.61 49.27 25.60
Net Debt to EBITDA
5.11 3.57 60.91 61.14 -7.32
Profitability Margins
Gross Profit Margin
13.20%83.18%24.78%-129.45%-110.44%
EBIT Margin
5798.41%176.24%384.02%1047.39%1429.38%
EBITDA Margin
6980.82%176.24%53.00%53.91%73.39%
Operating Profit Margin
-24.89%76.91%46.45%53.91%73.39%
Pretax Profit Margin
968.94%33.67%61.19%53.91%73.39%
Net Profit Margin
1093.49%27.51%-71.08%68.63%48.21%
Continuous Operations Profit Margin
1093.49%27.51%-71.08%68.63%48.21%
Net Income Per EBT
112.85%81.69%-116.17%127.30%65.69%
EBT Per EBIT
-3892.17%43.78%131.72%100.00%100.00%
Return on Assets (ROA)
1.12%1.52%-0.53%0.41%0.45%
Return on Equity (ROE)
8.30%10.20%-3.73%2.40%2.28%
Return on Capital Employed (ROCE)
-0.03%4.53%0.44%0.33%0.70%
Return on Invested Capital (ROIC)
-0.05%3.39%-0.91%0.75%0.74%
Return on Tangible Assets
1.53%2.17%-0.74%0.52%0.54%
Earnings Yield
14.73%15.28%-6.47%3.37%3.00%
Efficiency Ratios
Receivables Turnover
0.00 11.09 1.54 5.19 0.78
Payables Turnover
0.07 0.31 0.43 1.78 1.69
Inventory Turnover
0.00 0.00 10.03 13.22 7.96
Fixed Asset Turnover
0.00 0.00 -0.02 -0.01 -0.01
Asset Turnover
<0.01 0.06 <0.01 <0.01 <0.01
Working Capital Turnover Ratio
-0.08 -0.50 -0.28 0.03 0.04
Cash Conversion Cycle
-4.95K -1.13K -583.78 -107.08 299.45
Days of Sales Outstanding
0.00 32.92 236.96 70.29 470.07
Days of Inventory Outstanding
0.00 0.00 36.40 27.62 45.84
Days of Payables Outstanding
4.95K 1.16K 857.14 204.99 216.45
Operating Cycle
0.00 32.92 273.36 97.91 515.90
Cash Flow Ratios
Operating Cash Flow Per Share
-31.50 15.34 19.52 -28.95 6.76
Free Cash Flow Per Share
-31.47 15.17 19.52 -28.65 6.76
CapEx Per Share
0.00 0.00 0.00 0.30 0.00
Free Cash Flow to Operating Cash Flow
1.00 0.99 1.00 0.99 1.00
Dividend Paid and CapEx Coverage Ratio
-15.10 7.35 8.29 -11.61 3.80
Capital Expenditure Coverage Ratio
0.00 0.00 0.00 -97.86 0.00
Operating Cash Flow Coverage Ratio
-0.49 0.28 0.37 -0.63 0.30
Operating Cash Flow to Sales Ratio
-185.73 1.85 17.31 -34.04 6.18
Free Cash Flow Yield
-249.97%101.48%157.52%-165.34%38.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.79 6.54 -15.46 29.69 33.38
Price-to-Sales (P/S) Ratio
74.24 1.80 10.99 20.38 16.09
Price-to-Book (P/B) Ratio
0.56 0.67 0.58 0.71 0.76
Price-to-Free Cash Flow (P/FCF) Ratio
-0.40 0.99 0.63 -0.60 2.60
Price-to-Operating Cash Flow Ratio
-0.40 0.97 0.63 -0.60 2.60
Price-to-Earnings Growth (PEG) Ratio
-0.20 -0.02 0.04 -8.02 -0.37
Price-to-Fair Value
0.56 0.67 0.58 0.71 0.76
Enterprise Value Multiple
6.17 4.59 81.64 98.93 14.60
Enterprise Value
6.34B 5.87B 4.46B 4.42B 1.16B
EV to EBITDA
6.17 4.59 81.64 98.93 14.60
EV to Sales
430.85 8.09 43.27 53.34 10.72
EV to Free Cash Flow
-2.32 4.43 2.50 -1.58 1.73
EV to Operating Cash Flow
-2.32 4.38 2.50 -1.57 1.73
Tangible Book Value Per Share
-22.22 -22.46 -22.42 -5.39 5.45
Shareholders’ Equity Per Share
22.33 22.40 21.47 24.31 23.11
Tax and Other Ratios
Effective Tax Rate
-0.13 0.18 2.16 -0.27 0.34
Revenue Per Share
0.17 8.31 1.13 0.85 1.09
Net Income Per Share
1.85 2.29 -0.80 0.58 0.53
Tax Burden
1.13 0.82 -1.16 1.27 0.66
Interest Burden
0.17 0.19 0.16 0.05 0.05
Research & Development to Revenue
0.00 <0.01 0.02 0.02 0.01
SG&A to Revenue
0.38 <0.01 0.06 0.05 0.04
Stock-Based Compensation to Revenue
-0.13 <0.01 0.04 0.03 0.02
Income Quality
-17.07 6.71 -24.35 -49.60 12.82
Currency in USD
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