Also trades as: PMT (NYSE) · $vol 14M · PMT-PC (NYSE) · $vol 0M · PMTW (NYSE) · $vol 0M · PMT-PA (NYSE) · $vol 0M · PMTU (NYSE) · $vol 0M

$20.09

-0.05 (-0.25%)

Pre-Market: $21.25 (+1.16, +5.80%)

Weekly Expected Move ±2.6%

$19 $20 $20 $21 $21

NYSE · Real Estate · REIT - Mortgage · Tech Score Sell · Power 34 · $883.1M mcap · 8M float · 0.142% daily turnover

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$1.7B +245.8% ▲

5Y CAGR: +4.4%

Gross Profit

$1.6B +320.1% ▲

5Y CAGR: +8.3%

Operating Income

$1.4B +315.9% ▲

5Y CAGR: +6.0%

Net Income

$128M -20.6% ▼

5Y CAGR: +19.5%

EPS (Diluted)

$0.99 -27.7% ▼

5Y CAGR: +29.7%

EBITDA

$964M -6.2% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$757M	-$146M	$726M	$505M	$1.7B
YoY Growth	-9.8%	-111.0%	+598.3%	-98.0%	+245.8%
Cost of Revenue	$309M	$176M	$122M	$124M	$146M
Gross Profit	$449M	-$321M	$604M	$380M	$1.6B
Gross Margin	59.2%	220.5%	83.2%	75.4%	91.6%
R&D Expenses	$2M	$2M	$2M	$2M	$2M
SG&A Expenses	$53M	$47M	$7M	$47M	$77M
Operating Expenses	$55M	$49M	$46M	$49M	$221M
Operating Income	$394M	-$370M	$558M	$331M	$1.4B
Operating Margin	52.0%	253.9%	76.9%	65.7%	79.0%
Interest Expense	$305M	$410M	$736M	$715M	$870M
Income Before Tax	$45M	$63M	$244M	$143M	$94M
Tax Expense	-$12M	$136M	$45M	-$18M	$34M
Net Income	$57M	-$73M	$200M	$161M	$128M
Net Margin	7.5%	50.3%	27.5%	31.9%	7.3%
EPS (Diluted)	$0.26	$-1.26	$1.63	$1.37	$0.99
EBITDA	$0	$0	$1.3B	$0	$964M
Shares Outstanding	97M	91M	112M	87M	87M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$266M	$256M	$189M	$5M	$490M	$426M	$451M	$478M
Cost of Revenue	$39M	$37M	$31M	$8M	$36M	$36M	$35M	$33M
Gross Profit	$227M	$219M	$158M	-$3M	$453M	$390M	$417M	$444M
Gross Margin	85.5%	85.4%	83.7%	-63.1%	92.6%	91.5%	92.3%	93.1%
R&D Expenses	$0	$2M	$0	$545K	$0	$0	$489K	$318K
SG&A Expenses	$11M	$997K	$17M	$3M	$3M	$24M	$3M	$22M
Operating Expenses	$11M	$997K	$17M	$3M	$3M	$99M	$49M	$35M
Operating Income	$216M	-$487M	$141M	-$6M	$392M	$291M	$368M	$410M
Operating Margin	81.3%	-190.0%	74.7%	-118.4%	80.0%	68.3%	81.5%	85.8%
Interest Expense	$184M	$187M	$182M	$205M	$228M	$255M	$280M	$311M
Income Before Tax	$27M	$55M	-$6M	$17M	$47M	$36M	$27M	$17M
Tax Expense	-$15M	$9M	-$16M	$9M	-$11M	-$16M	$2M	-$14M
Net Income	$41M	$47M	$10M	$8M	$58M	$52M	$25M	$31M
Net Margin	15.6%	18.2%	5.1%	146.9%	11.9%	12.3%	5.5%	6.5%
EPS (Diluted)	$0.36	$0.41	$-0.01	$-0.04	$0.55	$0.49	$0.16	$0.23
EBITDA	$0	$149M	$0	$222M	$392M	$291M	$307M	$328M
Shares Outstanding	87M	87M	87M	87M	87M	87M	87M	87M

PMT-PB NYSE