PennyMac Mortgage Investment Trust (PMT)
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AI Rating
Uses AIPennyMac Mortgage Investment Trust ist ein extern gemanagter Mortgage-REIT ohne KI-Umsatzquelle; beide 10-Ks belegen aber ausdrücklich den operativen KI-Einsatz — der Trust und sein externer Manager (PNMAC/PLS) nutzen und integrieren KI-Technologien in Geschäftsprozesse und Services, u. a. über Drittanbieter-KI-Systeme für Kreditproduktion und -Servicing; die KI-Risk-Factors betreffen Risiken aus diesem eigenen Einsatz, nicht eine konkrete Bedrohung des Geschäftsmodells.
View the full file — quotes, sources, reviewed filings
„We and our Manager currently use and integrate artificial intelligence technologies into our and our Manager’s business processes and services."
Wir und unser Manager nutzen und integrieren derzeit Technologien der künstlichen Intelligenz in unsere und die Geschäftsprozesse und Dienstleistungen unseres Managers.
„PLS uses artificial intelligence and we believe the development and proliferation of artificial intelligence will have a significant impact in our industry; however, the incipient nature of artificial intelligence presents risks, challenges, and unintended consequences, including potential defects in the design and development of the technologies used to automate processes, misapplication of technologies, the reliance on data, rules or assumptions that may prove inadequate, information security vulnerabilities and failure to meet customer expectations, among others."
PLS setzt künstliche Intelligenz ein, und wir glauben, dass die Entwicklung und Verbreitung künstlicher Intelligenz erhebliche Auswirkungen auf unsere Branche haben wird; die Anfangsphase der künstlichen Intelligenz bringt jedoch Risiken, Herausforderungen und unbeabsichtigte Folgen mit sich, darunter mögliche Mängel bei Design und Entwicklung der zur Prozessautomatisierung eingesetzten Technologien, Fehlanwendungen von Technologien, das Vertrauen auf Daten, Regeln oder Annahmen, die sich als unzureichend erweisen können, Schwachstellen der Informationssicherheit und die Nichterfüllung von Kundenerwartungen.
„For example, we and our Manager rely on third-party vendors for cloud-based and artificial intelligence systems and for certain mortgage production and servicing applications."
Beispielsweise sind wir und unser Manager bei Cloud- und KI-Systemen sowie bei bestimmten Anwendungen für die Hypothekenproduktion und das Kredit-Servicing auf Drittanbieter angewiesen.
„We may face significant competition in the market and may be unable to develop, implement and scale artificial intelligence at the same rate to keep pace with our competitors."
Wir könnten erheblichem Wettbewerb im Markt ausgesetzt sein und möglicherweise nicht in der Lage sein, künstliche Intelligenz im gleichen Tempo zu entwickeln, einzuführen und zu skalieren, um mit unseren Wettbewerbern Schritt zu halten.
Filings Reviewed: 10-Q 2026-05-05 · 10-Q 2025-10-29 · 10-Q 2025-07-30 · 10-Q 2025-04-30 · 10-K 2026-02-18 · 10-K 2025-02-20
Rated on July 9, 2026 · How the Rating Is Built
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.54 | 12.40 | 15 | -95.40 | 317.40 | -1,621 | -1,622 |
| 2025: Q1 | 0.11 | -74.00 | 189 | 84.80 | 5.10 | -594 | -594 |
| 2025: Q2 | 0.09 | -70.40 | 237 | 94.80 | 3.20 | -2,016 | -2,016 |
| 2025: Q3 | 0.67 | 40.50 | 291 | 9.30 | 20.10 | -1,298 | -1,298 |
| 2025: Q4 | 0.60 | 12.30 | 426 | 2,805.10 | 12.30 | -3,306 | -3,306 |
| 2026: Q1 | 0.28 | 153.80 | 451 | 138.50 | 5.50 | -2,529 | -2,529 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
PennyMac Mortgage Investment Trust investiert über seine Tochtergesellschaft hauptsächlich in hypothekenbezogene Wohnimmobilienanlagen in den USA. Das Unternehmen ist in den Segmenten Credit Sensitive Strategies, Interest Rate Sensitive Strategies und Correspondent Production tätig.
| CEO Insider Trades (12 Mo.) | buying own stock |
|---|---|
| Employees | 7 |
| Headquarters | Westlake Village, CA |
| Website | pmt.pennymac.com |
| IPO Date | 30. Jul 2009 |
| Next Earnings | 28. Jul 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David A. Spector | Chairman of the Board & CEO | 1963 |
| Douglas Edward Jones | President, Chief Mortgage Banking Officer & Director | 1957 |
| Daniel Stanley Perotti | Senior MD & CFO | 1981 |
| Derek W. Stark J.D. | Senior MD, Chief Legal Officer & Secretary | 1968 |
| Mark Evan Elbaum | Senior MD & Chief Capital Markets Officer | 1963 |
| Marshall Dulles Sebring | Senior MD & Chief Investment Officer | 1980 |
| Gregory L. Hendry | Chief Accounting Officer | 1961 |
| Kevin Chamberlain | Executive Vice President of Investor Relations | – |
| James Follette | Senior MD & Chief Digital Officer | 1972 |
| Scott Bridges | Senior Managing Director of Consumer Direct Lending Division | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.