PennyMac Mortgage Investment Trust (FRA:8PM) Debt-to-EBITDA : (As of Jun. 2026)

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FRA:8PM PennyMac Mortgage Investment Trust FRA:8PM
62 GF Score
Price €7.74
GF Value €16.31
! 7 Warning Signs
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What is PennyMac Mortgage Investment Trust Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

PennyMac Mortgage Investment Trust's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €9,513 Mil. PennyMac Mortgage Investment Trust's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was €10,534 Mil. PennyMac Mortgage Investment Trust's annualized EBITDA for the quarter that ended in Jun. 2026 was €1,129 Mil. PennyMac Mortgage Investment Trust's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 was 17.76.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for PennyMac Mortgage Investment Trust's Debt-to-EBITDA or its related term are showing as below:

FRA:8PM's Debt-to-EBITDA is not ranked *
in the REITs industry.
Industry Median: 6.32
* Ranked among companies with meaningful Debt-to-EBITDA only.

PennyMac Mortgage Investment Trust  (FRA:8PM) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

PennyMac Mortgage Investment Trust Debt-to-EBITDA Related Terms

PennyMac Mortgage Investment Trust Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for PennyMac Mortgage Investment Trust's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PennyMac Mortgage Investment Trust Debt-to-EBITDA Chart

PennyMac Mortgage Investment Trust Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
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PennyMac Mortgage Investment Trust Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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FRA:8PM vs IVR, ARI, ADAM: Debt-to-EBITDA Comparison

For the REIT - Mortgage subindustry, PennyMac Mortgage Investment Trust's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

PennyMac Mortgage Investment Trust Debt-to-EBITDA vs REITs Industry

For the REITs industry and Real Estate sector, PennyMac Mortgage Investment Trust's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where PennyMac Mortgage Investment Trust's Debt-to-EBITDA falls into.


FRA:8PM
62GF Score
PennyMac Mortgage Investment Trust FRA:8PM
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PennyMac Mortgage Investment Trust Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

PennyMac Mortgage Investment Trust's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(8750.2482012857 + 7507.857294904) / 854.36012594004
=19.03

PennyMac Mortgage Investment Trust's annualized Debt-to-EBITDA for the quarter that ended in Jun. 2026 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(9513.12603866 + 10534.311204408) / 1128.9662683126
=17.76

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.

Is PennyMac Mortgage Investment Trust (FRA:8PM) Overvalued in 2026?

Based on GuruFocus' analysis, PennyMac Mortgage Investment Trust stock appears to be undervalued. The current stock price of €7.74 is trading 52.5% below its estimated GF Value™ of €16.31.

Key valuation signals for FRA:8PM:

  • Debt-to-EBITDA:
  • GF Value™: €16.31 vs. price of €7.74 (52.5% below fair value)
  • GF Score™: 62/100 with 7 warning signs

No single metric tells the full story. See the FRA:8PM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PennyMac Mortgage Investment Trust Business Description

Industry Real EstateREITs
Address 3043 Townsgate Road, Westlake Village, CA, USA, 91361
PennyMac Mortgage Investment Trust is a specialty finance company that invests mainly in residential mortgage loans and mortgage-related assets. The company's operations include activities such as the production and servicing of financial securities based on residential loans and the pooling and reselling of high-credit-quality mortgages. The company operates through three segments: correspondent production, credit-sensitive strategies, interest-rate-sensitive strategies. The Credit sensitive strategies segment generates income via investments in CRT arrangements, subordinate MBS, distressed loans, and real estate.
62GF Score

Get the complete analysis for FRA:8PM

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€7.74
Price
€16.31
GF Value