PennyMac Mortgage Investment Trust Financial Ratios — 8PM

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	14.88	15.82	15	12.78	5.86	5.33	7.9	10.18	11.79	1.32	1.36	-7.09	11.13	8.47	6.27
Return on Assets (%)	6.52	7.01	5.83	4.23	1.68	1.24	1.97	2.28	2.31	0.45	0.45	-0.53	1.48	1.17	0.72
Return on Capital (%)	12.27	14.34	12.09	- -	- -	- -	5.36	6.29	- -	1.11	- -	-1.08	2.95	- -	- -
Return on Invested Capital (%)	9.94	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	80.57	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	109.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	123.82	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	80.57	90.14	86.71	85.08	70.18	66.44	79.74	84.36	86.4	74.72	55.06	61.19	87.32	77.73	59.35
Profit Margin (%)	71.62	66.71	80.87	92.23	86.26	81.55	75.38	81.59	102.58	49.08	70.1	-71.08	71.33	87.72	80.9
Net Income to Common Margin (%)	71.62	66.71	80.87	92.23	86.26	81.55	65.61	68.28	91.28	25.71	32.01	-111.64	56.39	64.93	54.44
Effective Tax Rate (%)	11.11	26	6.73	- -	- -	- -	5.46	3.29	- -	34.31	- -	216.17	18.31	- -	- -
Dvd Payout Ratio (%)	61.37	68.59	73.71	89.66	192.03	173.54	121.91	90.41	70.01	552.53	705.73	-150.77	89.09	116.9	161.95
Sustainable Growth Rate (%)	5.75	4.97	3.94	1.32	-5.39	-3.92	-1.73	0.98	3.54	-5.99	-8.23	-17.78	1.21	-1.43	-3.89

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	181	- -	642	430	912	901	599	1,149	2,383	2,273	4,494	4,765	4,848	5,588	11,076
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	181	- -	642	430	912	901	599	1,149	2,383	2,273	4,494	4,765	4,848	5,588	11,076
Total Debt/EBITDA	2.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	2.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	2.5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	2.3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	4.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	4.28	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	5.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	39.39	46.93	34.03	32.23	25.68	21.25	22.21	16.21	18.27	17.38	13.26	10.21	10.79	9.7	6.3
Long-Term Debt/Equity (%)	33.16	- -	43.76	27.26	60.94	66.69	38.79	73.37	97.24	98.98	189.84	242.78	247.7	288.24	586.85
Long-Term Debt/Capital (%)	24.9	- -	30.44	21.42	37.87	40.01	27.95	42.32	49.3	49.74	65.5	70.83	71.24	74.24	85.44
Long-Term Debt/Total Assets (%)	13.06	- -	14.89	8.78	15.65	14.17	10.69	14.71	20.25	19.78	32.63	34.23	36.97	38.78	51.88
Total Debt/Equity (%)	33.16	- -	43.76	27.26	60.94	66.69	38.79	73.37	97.24	98.98	189.84	242.78	247.7	288.24	586.85
Total Debt/Capital (%)	24.9	- -	30.44	21.42	37.87	40.01	27.95	42.32	49.3	49.74	65.5	70.83	71.24	74.24	85.44
Total Debt/Total Assets (%)	13.06	- -	14.89	8.78	15.65	14.17	10.69	14.71	20.25	19.78	32.63	34.23	36.97	38.78	51.88
Net Debt to Equity	30.49	-2.81	41.89	22.42	47.23	30.82	-4.36	-3.66	12.62	-25.41	115.33	169.56	171.54	213.53	518.96
Net Debt/Capital (%)	23.36	-2.89	29.52	18.31	32.08	23.56	-4.56	-3.8	11.21	-34.06	53.56	62.9	63.17	68.1	83.84
EBITDA	72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	2.43	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	60.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	3.32	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	-14.53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	39.39	46.93	34.03	32.23	25.68	21.25	22.21	16.21	18.27	17.38	13.26	10.21	10.79	9.7	6.3
Long-Term Debt/Equity (%)	33.16	- -	43.76	27.26	60.94	66.69	38.79	73.37	97.24	98.98	189.84	242.78	247.7	288.24	586.85
Long-Term Debt/Capital (%)	24.9	- -	30.44	21.42	37.87	40.01	27.95	42.32	49.3	49.74	65.5	70.83	71.24	74.24	85.44
Long-Term Debt/Total Assets (%)	13.06	- -	14.89	8.78	15.65	14.17	10.69	14.71	20.25	19.78	32.63	34.23	36.97	38.78	51.88
Total Debt/Equity (%)	33.16	- -	43.76	27.26	60.94	66.69	38.79	73.37	97.24	98.98	189.84	242.78	247.7	288.24	586.85
Total Debt/Capital (%)	24.9	- -	30.44	21.42	37.87	40.01	27.95	42.32	49.3	49.74	65.5	70.83	71.24	74.24	85.44
Total Debt/Total Assets (%)	13.06	- -	14.89	8.78	15.65	14.17	10.69	14.71	20.25	19.78	32.63	34.23	36.97	38.78	51.88
CFO/Total Liabilities	-33.77	-60.4	-8.54	-11.03	-19.93	-12.41	5.5	-9.18	-32.03	7.3	-24.72	14.92	12.01	-21.67	-37.07
CFO/CapEx	- -	-35,669.57	-171.13	- -	-369.67	-226.92	2,824.37	- -	- -	- -	- -	- -	91.59	-92.37	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	9	9.64	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.62	5.67	3.62	2.4
Days Sales Outstanding	40.55	37.86	- -	- -	- -	- -	- -	- -	- -	- -	- -	139.26	64.33	100.82	152.11
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	15	34	27	76	205	485	667	1,206	2,074	2,857	1,764	1,437	1,491	1,448	1,281
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	300	300	300	300	541	541	541	541	541
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	181	- -	642	430	912	901	599	1,149	2,383	2,273	4,494	4,765	4,848	5,588	11,076
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	727	1,201	2,109	2,008	2,408	2,252	2,144	2,715	4,834	4,570	6,862	6,728	6,805	7,526	12,963
Total Debt/Capital (%)	24.9	- -	30.44	21.42	37.87	40.01	27.95	42.32	49.3	49.74	65.5	70.83	71.24	74.24	85.44
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	90	207	248	211	104	93	156	187	221	107	81	103	280	184	158
TTM EBITDA	72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-269	-820	-243	- -	- -	- -	223	-574	- -	672	- -	1,784	1,340	- -	- -
TTM Free Cash Flow to Firm	-269	-820	-244	- -	- -	- -	223	-574	- -	672	- -	1,784	1,326	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	28	59	70	75	74	67	61	61	100	98	95	89	87	87	87
Diluted Weighted Avg Shares	27	44	69	82	83	77	75	69	88	99	98	91	112	87	87
Basic Weighted Avg Shares	26	44	63	73	74	69	66	61	79	99	97	91	87	87	87
Revenue per Share	3.41	4.76	3.9	2.87	1.4	1.35	2.36	3.08	2.79	1.07	0.83	1.13	3.2	2.11	1.82
EBITDA per Share	2.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	3.72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.44	3.17	3.16	2.65	1.21	1.1	1.55	2.1	2.55	0.28	0.27	-1.26	1.81	1.37	0.99
Basic EPS from Cont Ops	2.44	3.17	3.16	2.65	1.21	1.1	1.78	2.51	2.87	0.53	0.58	-0.8	2.29	1.85	1.47
Diluted EPS, GAAP	2.42	3.15	2.88	2.37	1.08	0.98	1.37	1.84	2.3	0.28	0.27	-1.26	1.41	1.37	0.99
Diluted EPS from Cont Ops	2.42	3.15	2.88	2.37	1.08	0.98	1.58	2.2	2.58	0.53	0.58	-0.8	1.79	1.85	1.47
Dividend per Share	1.5	2.18	2.33	2.37	2.32	1.92	2.12	2.31	2.1	1.78	2.2	2.36	2.09	2.09	2.08
Cash Flow per Share	-10.75	-18.84	-3.83	-4.98	-11.59	-9.05	3.37	-9.42	-37.79	6.76	-28.95	19.52	15.34	-31.13	-82.92
Free Cash Flow per Basic Share	-10.75	-18.84	-3.85	-4.98	-11.63	-9.09	3.37	-9.42	-37.79	6.76	-28.95	19.52	15.17	-31.47	-82.92
Cash & Equivalents per Share	1.58	1.24	1.7	2.9	3.35	9.1	11.17	21.02	21.61	30.49	20.36	19.01	18.69	17.86	16.91
Book Value per Share	19.22	20.39	20.82	21.18	20.28	20.26	20.3	20.78	21.47	20.41	19.24	15.99	16.34	16.08	15.47
Tangible Book Value per Share	19.01	18.24	16.7	16.38	14.05	10.41	6.52	1.71	6.14	2.47	-11.24	-29.15	-28.9	-28.44	-26.42