PennyMac Mortgage Investment 8 50 Senior Notes due 2028 Financials

PMTU

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Piotroski F-Score Weak

2/9

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 passes 2 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Low Quality

-56.41x

For every $1 of reported earnings, PennyMac Mortgage Investment 8 50 Senior Notes due 2028 generates $-56.41 in operating cash flow (-$7.2B OCF vs $127.9M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$307.5M

YoY-8.0%

5Y CAGR-8.1%

10Y CAGR+2.1%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 generated $307.5M in revenue in fiscal year 2025. This represents a decrease of 8.0% from the prior year.

EBITDA

N/A

Net Income

$127.9M

YoY-20.6%

5Y CAGR+19.5%

10Y CAGR+3.6%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 reported $127.9M in net income in fiscal year 2025. This represents a decrease of 20.6% from the prior year.

EPS (Diluted)

$0.99

YoY-27.7%

5Y CAGR+29.7%

10Y CAGR-1.6%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 earned $0.99 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 27.7% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$272.0M

YoY-19.5%

5Y CAGR+36.4%

10Y CAGR+16.7%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 held $272.0M in cash against $1.1B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.60

YoY+0.0%

10Y CAGR-3.0%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 paid $1.60 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

87M

YoY+0.2%

5Y CAGR-2.3%

10Y CAGR+1.7%

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 had 87M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

41.6%

YoY-6.6pp

5Y CAGR+30.4pp

10Y CAGR+5.4pp

PennyMac Mortgage Investment 8 50 Senior Notes due 2028's net profit margin was 41.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 6.6 percentage points from the prior year.

Return on Equity

6.8%

YoY-1.5pp

5Y CAGR+4.5pp

10Y CAGR+0.8pp

PennyMac Mortgage Investment 8 50 Senior Notes due 2028's ROE was 6.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 1.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 spent $0 on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

N/A

PMTU Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$307.5M-8.0%	$334.2M-22.1%	$429.0M+41.2%	$303.8M-27.7%	$420.3M-10.5%	$469.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$870.4M+21.8%	$714.7M-2.9%	$736.0M+79.3%	$410.4M+34.7%	$304.7M+12.5%	$270.8M
Income Tax	-$34.1M-85.7%	-$18.3M-141.0%	$44.7M-67.2%	$136.4M+1218.5%	-$12.2M-144.6%	$27.4M
Net Income	$127.9M-20.6%	$161.0M-19.4%	$199.7M+372.4%	-$73.3M-228.9%	$56.9M+8.6%	$52.4M
EPS (Diluted)	$0.99-27.7%	$1.37-16.0%	$1.63+229.4%	$-1.26-584.6%	$0.26-3.7%	$0.27

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$93.6M-5.7%	$99.2M+41.4%	$70.2M+57.9%	$44.5M-58.8%	$107.9M+33.5%	$80.9M+13.6%	$71.2M-4.1%	$74.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$254.7M+11.5%	$228.4M+11.3%	$205.1M+12.6%	$182.1M-2.7%	$187.1M+1.6%	$184.2M+7.2%	$171.8M+0.2%	$171.5M
Income Tax	-$16.2M-43.8%	-$11.3M-219.3%	$9.5M+159.3%	-$16.0M-286.0%	$8.6M+157.7%	-$14.9M-568.4%	$3.2M+120.9%	-$15.2M
Net Income	$52.4M-10.2%	$58.3M+673.8%	$7.5M-22.2%	$9.7M-79.2%	$46.5M+12.4%	$41.4M+62.8%	$25.4M-46.6%	$47.6M
EPS (Diluted)	N/A	$0.55+1475.0%	$-0.04-300.0%	$-0.01	N/A	$0.36+111.8%	$0.17-56.4%	$0.39

PMTU Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$21.3B+48.2%	$14.4B+9.9%	$13.1B-5.8%	$13.9B+1.1%	$13.8B+19.8%	$11.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$272.0M-19.5%	$337.7M+20.1%	$281.1M+151.3%	$111.9M+89.7%	$59.0M+2.2%	$57.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$19.5B+56.0%	$12.5B+11.8%	$11.2B-6.7%	$12.0B+4.9%	$11.4B+24.0%	$9.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.1B+8.6%	$1.0B-80.4%	$5.1B+1.5%	$5.1B+13.0%	$4.5B	N/A
Total Equity	$1.9B-2.6%	$1.9B-0.9%	$2.0B-0.3%	$2.0B-17.1%	$2.4B+3.1%	$2.3B
Retained Earnings	-$582.8M-10.2%	-$528.9M-4.0%	-$508.7M+3.4%	-$526.8M-105.3%	-$256.7M-154.8%	-$100.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$21.3B+15.2%	$18.5B+10.3%	$16.8B+12.9%	$14.9B+3.2%	$14.4B+10.4%	$13.1B+8.1%	$12.1B-1.7%	$12.3B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$272.0M+3.2%	$263.5M-27.4%	$362.9M+46.4%	$247.9M-26.6%	$337.7M-1.9%	$344.4M+163.4%	$130.7M+3.3%	$126.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$19.5B+16.9%	$16.6B+11.5%	$14.9B+15.1%	$13.0B+4.0%	$12.5B+12.2%	$11.1B+9.6%	$10.1B-1.9%	$10.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.1B+266.0%	$299.0M-75.3%	$1.2B+25.0%	$968.4M-3.9%	$1.0B-80.7%	$5.2B-2.4%	$5.4B+5.0%	$5.1B
Total Equity	$1.9B+0.4%	$1.9B+0.7%	$1.9B-1.9%	$1.9B-1.8%	$1.9B+0.1%	$1.9B-0.2%	$1.9B-1.0%	$2.0B
Retained Earnings	-$582.8M+1.1%	-$589.6M+2.1%	-$602.4M-6.7%	-$564.5M-6.7%	-$528.9M+0.2%	-$530.2M-0.7%	-$526.3M-3.9%	-$506.4M

PMTU Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	-$7.2B-166.9%	-$2.7B-301.7%	$1.3B-24.9%	$1.8B+163.3%	-$2.8B-519.8%	$671.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$429.7M-68.4%	$1.4B+6361.6%	-$21.7M+98.8%	-$1.9B-270.9%	$1.1B+7212.7%	-$15.4M
Financing Cash Flow	$6.7B+380.2%	$1.4B+221.7%	-$1.1B-945.7%	$135.9M-92.1%	$1.7B+345.9%	-$702.6M
Dividends Paid	$139.4M0.0%	$139.3M-0.9%	$140.6M-19.0%	$173.5M-5.7%	$184.0M+21.4%	$151.6M
Share Buybacks	$0	$0-100.0%	$28.5M-67.6%	$88.0M+54.8%	$56.9M+52.6%	$37.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	-$3.3B-154.8%	-$1.3B+35.6%	-$2.0B-239.2%	-$594.3M+63.3%	-$1.6B-64.7%	-$983.8M-503.5%	$243.8M+171.2%	-$342.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$552.7M+226.7%	-$436.2M-259.8%	$272.9M+578.4%	$40.2M-85.7%	$282.0M-10.4%	$314.9M+4404.4%	-$7.3M-100.9%	$770.8M
Financing Cash Flow	$2.8B+69.0%	$1.6B-12.0%	$1.9B+300.1%	$464.3M-65.1%	$1.3B+50.9%	$882.6M+479.9%	-$232.3M+60.1%	-$582.9M
Dividends Paid	$34.8M0.0%	$34.8M0.0%	$34.8M0.0%	$34.8M0.0%	$34.9M0.0%	$34.9M0.0%	$34.8M+0.3%	$34.8M
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0	$0	$0

PMTU Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	41.6%-6.6pp	48.2%+1.6pp	46.5%+70.7pp	-24.1%-37.7pp	13.5%+2.4pp	11.2%
Return on Equity	6.8%-1.5pp	8.3%-1.9pp	10.2%+13.9pp	-3.7%-6.1pp	2.4%+0.1pp	2.3%
Return on Assets	0.6%-0.5pp	1.1%-0.4pp	1.5%+2.1pp	-0.5%-0.9pp	0.4%-0.0pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.58+0.1	0.52-2.1	2.63+0.0	2.58+0.7	1.90-2.1	4.00
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	56.0%-2.8pp	58.8%+48.0pp	10.7%-11.0pp	21.8%-21.4pp	43.1%-8.1pp	51.2%+15.5pp	35.7%-28.4pp	64.2%
Return on Equity	2.8%-0.3pp	3.1%+2.7pp	0.4%-0.1pp	0.5%-1.9pp	2.4%+0.3pp	2.1%+0.8pp	1.3%-1.1pp	2.4%
Return on Assets	0.3%-0.1pp	0.3%+0.3pp	0.0%-0.0pp	0.1%-0.3pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.2pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.58+0.4	0.16-0.5	0.65+0.1	0.51-0.0	0.52-2.2	2.70-0.1	2.76+0.2	2.60
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Frequently Asked Questions

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's annual revenue?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) reported $307.5M in total revenue for fiscal year 2025. This represents a -8.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's revenue growing?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) revenue declined by 8% year-over-year, from $334.2M to $307.5M in fiscal year 2025.

Is PennyMac Mortgage Investment 8 50 Senior Notes due 2028 profitable?

Yes, PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) reported a net income of $127.9M in fiscal year 2025, with a net profit margin of 41.6%.

How much debt does PennyMac Mortgage Investment 8 50 Senior Notes due 2028 have?

As of fiscal year 2025, PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had $272.0M in cash and equivalents against $1.1B in long-term debt.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's net profit margin?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had a net profit margin of 41.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does PennyMac Mortgage Investment 8 50 Senior Notes due 2028 pay dividends?

Yes, PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) paid $1.60 per share in dividends during fiscal year 2025.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's return on equity (ROE)?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) has a return on equity of 6.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's operating cash flow?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) generated -$7.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are PennyMac Mortgage Investment 8 50 Senior Notes due 2028's total assets?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had $21.3B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does PennyMac Mortgage Investment 8 50 Senior Notes due 2028 have outstanding?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had 87M shares outstanding as of fiscal year 2025.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's debt-to-equity ratio?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had a debt-to-equity ratio of 0.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's return on assets (ROA)?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had a return on assets of 0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's cash runway?

Based on fiscal year 2025 data, PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) had $272.0M in cash against an annual operating cash burn of $7.2B. This gives an estimated cash runway of approximately 0 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

What is PennyMac Mortgage Investment 8 50 Senior Notes due 2028's Piotroski F-Score?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) has a Piotroski F-Score of 2 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are PennyMac Mortgage Investment 8 50 Senior Notes due 2028's earnings high quality?

PennyMac Mortgage Investment 8 50 Senior Notes due 2028 (PMTU) has an earnings quality ratio of -56.41x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.