Stock Ratings / Financials / PMT / financials

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PennyMac Mortgage Investment Trust of (PMT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$7.38 +1.51% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.39

PennyMac Mortgage Investment Trust of (PMT) carries a Roarable Rating of D- (Sell) with 42/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • SELL / AVOID Cap $643.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $7.39 (+0.08%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PMT)Realized 20D OHLCV Swing Band: ±6.8%

Deterministic 5-Pillar Attribution (42/100 Composite)

🔍 WHY PMT SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▲ #2 Bullish Driver: Macro Regime Fit+10/20 pts (24% of score)

FRED Regime × Technicals: 10% of 52W Range • RSI-14 at 47.9 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$7.36-6% Next Q

Q2 (-2Q)

Grade E$6.92+1.7% Next Q

Q3 (-1Q)

Grade E$7.04+4.8% Next Q

Current

Grade D-$7.38-7% Hist 90D α

Trajectory: E (34) → D- (42)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a PMT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While PMT currently carries a cautious 42/100 (D-) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.25) and Max Pain ($7.75) forces dealer call-delta covering toward $14.50.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PMT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PMT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 42%NO 58%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How PMT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$0 (0% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$86.1M	-$7.21B	4.6%
FY 2024	$4.00B	52%	0%	$119.2M	-$2.70B	4.6%
FY 2023	$4.00B	52%	0%	$157.8M	$1.34B	4.6%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PMT)

✓Walkthrough of PMT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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PMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -39.41%▼ DESCENDING CHANNEL

2026-10-30O $7.49H $7.55L $7.35C $7.38VOL 5.17M

RES: $8.28SUP: $6.32SMA50: $8.25SMA200: $10.43

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PMT Butterfly Map → + Track PMT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.7%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PMT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PMT)

Financials Rank #965 of 1096 ⚔️ ADAM vs PMT Full Matrix →

1. Head-to-Head Financials Peer Comparison (PMT vs. ADAM, PSTL, MFA, CLDT)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, PennyMac Mortgage Investment Trust of (PMT) ranks #965 by composite RQD confidence (42/100, grade D-) and #650 by equity capitalization ($643.6M). Within this direct 5-issuer industry benchmark cohort, MFA leads on earnings valuation at 3.9x trailing P/E, while MFA leads on capital efficiency and profitability with 9.7% ROIC and — gross margin. PSTL currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with PMT at 42/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PMT ACTIVE PennyMac Mortgage Investment Trust of	D-	42/100	7.5x	—	4.6%	+1.51%	$643.6M	Benchmark Subject
ADAM Adamas Trust Inc.	D+	57/100	4.4x	—	8.9%	-7.71%	$648.4M	/adam-vs-pmt →
PSTL Postal Realty Trust Inc. (Class A)	C	65/100	46.4x	—	9.6%	+1.93%	$656.4M	/pstl-vs-pmt →
MFA MFA Financial Inc.	C	62/100	3.9x	—	9.7%	+0.15%	$687.4M	/mfa-vs-pmt →
CLDT Chatham Lodging Trust of	C	62/100	46.3x	—	4.5%	+0.60%	$697.6M	/cldt-vs-pmt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001464423

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PennyMac Mortgage Investment Trust of (PMT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $86.1M, operating cash flow of -$7.21B, and free cash flow of -$7.21B (-166.9% YoY). On the balance sheet, PMT closed FY2025 with $21.35B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$86.1M	-$7.21B	-$7.21B	$21.35B	—
FY2024 (FY)	2024-12-31	$0	$119.2M	-$2.70B	-$2.70B	$14.41B	—
FY2023 (FY)	2023-12-31	$0	$157.8M	$1.34B	$1.34B	—	—

3. PMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, PennyMac Mortgage Investment Trust of (NYSE: PMT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $7.38 (+1.51% 1D, market cap $643.6M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, PMT ranks #965 in composite RQD confidence.

How does PMT compare to ADAM and PSTL in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), PMT carries a Roarable D- (42/100 RQD), trailing P/E of 7.5x, gross margin of —, and ROIC of 4.6%. By comparison, ADAM (Adamas Trust Inc.) holds a D+ grade (57/100 RQD, P/E 4.4x, ROIC 8.9%, cap $648.4M) and PSTL (Postal Realty Trust Inc. (Class A)) posts a C grade (65/100 RQD, P/E 46.4x, ROIC 9.6%, cap $656.4M). Among the 5-stock peer group, MFA leads on earnings multiple (3.9x) while MFA leads on capital efficiency (9.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PMT?

Per PMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464423), PennyMac Mortgage Investment Trust of generated $0 in revenue, $86.1M in net income, and -$7.21B in free cash flow against $21.35B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PMT trading relative to its 50-day, 200-day, and 52-week technical levels?

PMT last traded at $7.38 (+1.51% on volume of 2,793,955 shares), positioning the stock -10.55% below its 50-day simple moving average ($8.25) and -29.24% below its 200-day simple moving average ($10.43). Across its 52-week range of $6.70 to $13.81, PMT sits at the 9.6% percentile with a 14-day RSI of 47.9 (NEUTRAL RANGE) and an implied next-earnings move of ±6.8% ($6.88 to $7.88).

PMT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is PennyMac Mortgage Investment Trust of (PMT)?

In FY 2025 (10-K), PMT converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $0 in free cash flow (0% FCF margin).

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