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Market Price

22.14 

-0.05 -0.2%

as of Aug 23 '19

52 Week Range:

17.88 22.62


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

PennyMac Mortgage Investment Trust, a specialty finance company, invests primarily in residential mortgage loans and mortgage-related assets in the United States. The company's Correspondent Production segment engages in purchasing, pooling, and reselling newly originated prime credit mortgage loans directly or in the form of mortgage-backed securities (MBS). Its Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements, firm commitment to purchase CRT securities, distressed mortgage loans, real estate acquired in settlement of mortgage loans, non-Agency subordinated bonds, and small balance commercial real estate mortgage loans. The company's Interest Rate Sensitive Strategies segment engages in investing in mortgage servicing rights, excess servicing spreads, and agency and senior non-agency MBS; and interest rate hedging activities related to indebtedness. PNMAC Capital Management, LLC acts as the manager of PennyMac Mortgage Investment Trust. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was founded in 2009 and is based in Westlake Village, California.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 18.75
19.01
18.68
20.39
21.21
21.31
20.53
20.31
21.37
20.65
growth rate 1.4% -1.7% 9.2% 4.0% 0.5% -3.7% -1.1% 5.2% -3.4%
Earnings BIT -1.88
27.03
72.50
186.82
214.64
265.05
198.01
211.53
275.92
growth rate 100.0% 168.2% 157.7% 14.9% 23.5% -25.3% 6.8% 30.4%
Avg.PE -164.90
12.64
6.88
8.03
7.97
8.36
11.63
15.67
11.36
10.04
growth rate 100.0% -45.6% 16.7% -0.8% 4.9% 39.1% 34.7% -27.5% -11.6%
ROA -0.60
5.36
6.52
6.93
5.78
4.18
1.65
1.22
1.70
1.89
growth rate 100.0% 21.6% 6.3% -16.6% -27.7% -60.5% -26.1% 39.3% 11.2%
ROE -0.60
7.73
14.88
15.66
14.87
12.66
5.75
5.23
7.82
10.12
growth rate 100.0% 92.5% 5.2% -5.0% -14.9% -54.6% -9.0% 49.5% 29.4%
ROIC 4.46
9.58
7.59
7.60
6.91
5.07
7.93
3.24
2.28
growth rate 114.8% -20.8% 0.1% -9.1% -26.6% 56.4% -59.1% -29.6%
Cur. Ratio 26.50
60.16
1.71
23.72
28.10
35.57
29.29
27.89
0.79
growth rate 127.0% -97.2% 1,287.1% 18.5% 26.6% -17.7% -4.8% -97.2%
Quick Ratio 26.50
60.16
1.67
23.67
26.71
35.49
29.07
27.00
0.79
growth rate 127.0% -97.2% 1,317.4% 12.8% 32.9% -18.1% -7.1% -97.1%
Leverage 1.84
2.54
2.13
2.94
3.11
3.89
4.71
4.50
6.17
growth rate 38.0% -16.1% 38.0% 5.8% 25.1% 21.1% -4.5% 37.1%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 0.49
3.09
848.02
1,194.80
2,824.45
2,735.22
2,564.59
1,728.83
1,093.63
412.38
growth rate 530.6% 27,343.9% 40.9% 136.4% -3.2% -6.2% -32.6% -36.7% -62.3%
Acct.Payable 27.48
96.82
150.13
67.33
63.75
106.70
63.85
69.85
growth rate 252.3% 55.1% -55.2% -5.3% 67.4% -40.2% 9.4%
Cur.Assets 324.00
544.90
1,262.50
2,266.50
3,607.80
3,545.90
4,158.86
4,026.77
3,248.85
3,541.19
growth rate 68.2% 131.7% 79.5% 59.2% -1.7% 17.3% -3.2% -19.3% 9.0%
Total Assets 324.40
589.10
1,386.06
2,559.66
4,310.92
4,897.26
5,826.92
6,357.50
5,604.93
7,813.36
growth rate 81.6% 135.3% 84.7% 68.4% 13.6% 19.0% 9.1% -11.8% 39.4%
Cash 0.10
45.40
137.40
33.76
224.81
76.39
58.11
34.48
77.65
59.85
growth rate 45,300.0% 202.7% -75.4% 566.0% -66.0% -23.9% -40.7% 125.2% -22.9%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 10.60
11.50
840.00
97.80
152.10
160.85
688.22
602.04
308.24
455.45
growth rate 8.5% 7,204.4% -88.4% 55.5% 5.8% 327.9% -12.5% -48.8% 47.8%
Liabilities 10.60
269.20
840.05
1,358.33
2,843.80
3,319.09
4,330.81
5,006.39
4,060.35
6,247.23
growth rate 2,439.6% 212.1% 61.7% 109.4% 16.7% 30.5% 15.6% -18.9% 53.9%
LT Debt 0.00
0.00
147.40
696.86
1,257.07
478.54
3,139.03
3,621.52
4,388.10
3,742.56
5,783.46
growth rate 372.8% 80.4% -61.9% 556.0% 15.4% 21.2% -14.7% 54.5%
Equity 0.00
313.80
319.90
546.02
1,201.34
1,467.11
1,578.17
1,496.11
1,351.11
1,244.88
1,266.43
growth rate 1.9% 70.7% 120.0% 22.1% 7.6% -5.2% -9.7% -7.9% 1.7%
Common Shares 0.00
16.74
17.00
27.00
44.00
69.00
82.00
83.00
77.00
75.00
69.00
growth rate 1.6% 58.8% 63.0% 56.8% 18.8% 1.2% -7.2% -2.6% -8.0%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 0.00
0.00
0.00
1.51
0.05
0.08
3.05
growth rate -96.8% 70.8% 3,618.3%
Cash Dividends 0.00
0.00
13.00
39.55
94.82
147.57
174.43
173.02
131.56
140.20
140.54
growth rate 204.2% 139.8% 55.6% 18.2% -0.8% -24.0% 6.6% 0.2%
Cash From OA 0.00
-1.33
-22.79
-275.13
-820.40
-366.04
-863.19
-621.54
223.13
-573.75
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0%
FCF per Share -1.34
-3.17
-18.70
-9.22
-2.38
-6.11
-15.60
5.56
-12.26
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0%
Sale Purchase of Stock 197.48
606.82
249.27
90.59
0.01
-98.37
208.51
growth rate 207.3% -58.9% -63.7% -100.0% -100.0% 100.0%
FCF 0.00
-1.33
-23.00
-275.00
-820.00
-244.00
-366.00
-866.00
-624.00
223.00
-574.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 0.00
2.30
44.10
2.19
11.40
41.45
408.13
292.43
311.01
351.32
368.39
growth rate 1,817.4% -95.0% 420.7% 263.5% 884.6% -28.4% 6.4% 13.0% 4.9%
Op.Income -1.88
27.00
64.44
138.25
200.19
184.60
76.53
64.49
130.42
157.99
growth rate 100.0% 138.7% 114.5% 44.8% -7.8% -58.5% -15.7% 102.2% 21.1%
IBT -1.88
27.00
72.50
186.82
214.64
179.46
73.30
61.76
124.55
157.99
growth rate 100.0% 168.5% 157.7% 14.9% -16.4% -59.2% -15.7% 101.7% 26.9%
Net Income -1.88
24.50
64.44
138.25
200.19
194.54
90.10
75.81
117.75
152.80
growth rate 100.0% 163.0% 114.5% 44.8% -2.8% -53.7% -15.9% 55.3% 29.8%
EPS 0.00
-0.11
1.44
2.41
3.14
2.96
2.47
1.16
1.08
1.48
1.99
growth rate 100.0% 67.4% 30.3% -5.7% -16.6% -53.0% -6.9% 37.0% 34.5%
Gross Profit -1.98
44.10
128.60
335.20
9.04
297.36
172.30
153.39
214.31
230.58
growth rate 100.0% 191.6% 160.7% -97.3% 3,189.1% -42.1% -11.0% 39.7% 7.6%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Earnings BIT
growth rate
Balance Sheet Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Acct.Receivable 753.46
635.52
412.38
402.01
360.06
growth rate -15.7% -35.1% -2.5% -10.4%
Acct.Payable 57.74
69.51
69.85
73.47
35.57
growth rate 20.4% 0.5% 5.2% -51.6%
Cur.Assets 3,485.54
3,570.69
3,541.19
3,305.83
5,294.11
growth rate 2.4% -0.8% -6.7% 60.1%
Total Assets 6,676.85
7,267.58
7,813.36
7,555.99
9,465.79
growth rate 8.9% 7.5% -3.3% 25.3%
Cash 63.04
88.93
59.85
68.54
77.68
growth rate 41.1% -32.7% 14.5% 13.3%
Inventory
growth rate
Cur.Liabilities 4,134.68
325.93
455.45
4,524.04
5,598.08
growth rate -92.1% 39.7% 893.3% 23.7%
Liabilities 5,131.36
5,709.02
6,247.23
5,828.40
7,521.86
growth rate 11.3% 9.4% -6.7% 29.1%
LT Debt 988.19
5,374.81
5,783.46
1,295.95
1,915.47
growth rate 443.9% 7.6% -77.6% 47.8%
Equity 1,245.78
1,258.86
1,266.43
1,427.88
1,644.23
growth rate 1.1% 0.6% 12.8% 15.2%
Common Shares 0.61
0.61
0.61
0.68
0.79
growth rate 0.0% 0.0% 12.1% 14.9%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures
growth rate
Cash Dividends 35.05
35.05
35.05
35.05
38.50
growth rate 0.0% 0.0% 0.0% 9.8%
Cash From OA -713.76
-210.16
227.69
144.90
-1,059.95
growth rate 0.0% 100.0% -36.4% -100.0%
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 88.30
111.82
87.24
110.18
96.26
growth rate 26.6% -22.0% 26.3% -12.6%
Op.Income 42.29
51.66
26.20
49.87
33.37
growth rate 22.2% -49.3% 90.3% -33.1%
IBT 42.29
51.66
26.20
49.87
33.37
growth rate 22.2% -49.3% 90.3% -33.1%
Net Income 36.43
46.56
41.63
53.53
44.23
growth rate 27.8% -10.6% 28.6% -17.4%
EPS
growth rate
Gross Profit 60.81
70.61
43.59
68.17
50.73
growth rate 16.1% -38.3% 56.4% -25.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

E (24.25)

YOY Growth Grade:

E (23.85)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.37 9.51 10.44
EPS / Growth -19.6% 2.33 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 3.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.3% 3.3%
Future PE 2.00 8.78 8.78
Future EPS 2.57 3.21 3.21
Value Price
MOS %
1.27
-94.3%
6.96
-68.5%
6.96
-68.5%
MOS Price 0.64 3.48 3.48
IRT 9.04 8.18 8.18

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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