PennyMac Mortgage Investment Trust (FRA:8PM) Moat Score: 5/10 (As of Jul. 24, 2026)

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FRA:8PM PennyMac Mortgage Investment Trust FRA:8PM
50 GF Score
Price €8.41
GF Value €17.99
Valuation Possible Value Trap
! 7 Warning Signs
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What is PennyMac Mortgage Investment Trust Moat Score?

PennyMac Mortgage Investment Trust FRA:8PM -2.44% 50 Moat Score is 5 as of Jul. 24, 2026. GuruFocus rates FRA:8PM with a GF Score™ of 50/100 and a GF Value™ of €17.99 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 975 REITs companies, PennyMac Mortgage Investment Trust ranks better than 94.97% on this metric.

PennyMac Mortgage Investment Trust has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

PennyMac Mortgage Investment Trust has Narrow Moat: PennyMac has a solid narrow moat due to its strong distribution network and economies of scale in mortgage servicing. However, it faces competition and lacks significant pricing power or unique intellectual property.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PennyMac Mortgage Investment Trust might have Narrow Moat - Solid narrow moat.

PennyMac Mortgage Investment Trust  (FRA:8PM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PennyMac Mortgage Investment Trust Moat Score Related Terms

FRA:8PM vs MFA, ADAM, ABR: Moat Score Comparison

For the REIT - Mortgage subindustry, PennyMac Mortgage Investment Trust's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs REITs Industry

For the REITs industry and Real Estate sector, PennyMac Mortgage Investment Trust's Moat Score distribution charts can be found below:

* The bar in red indicates where PennyMac Mortgage Investment Trust's Moat Score falls into.


FRA:8PM
50GF Score
PennyMac Mortgage Investment Trust FRA:8PM
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
PennyMac Mortgage Investment Trust (FRA:8PM) has a Moat Score of 5 as of Jul. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, PennyMac Mortgage Investment Trust ranks #49 out of 975 companies in the REITs industry, placing it in the top 5%.
Is PennyMac Mortgage Investment Trust's Moat Score too high?
PennyMac Mortgage Investment Trust's current Moat Score is 5. Based on the distribution chart, PennyMac Mortgage Investment Trust ranks #49 out of 975 companies in the REITs industry, which is in the top quartile — a strong position relative to peers. Overall, PennyMac Mortgage Investment Trust has a GF Score™ of 50/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PennyMac Mortgage Investment Trust's Moat Score compare to MFA and ADAM?
According to the REITs industry distribution chart, PennyMac Mortgage Investment Trust ranks #49 out of 975 companies for Moat Score. This places PennyMac Mortgage Investment Trust in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a REITs company?
A good Moat Score depends on the REITs industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. PennyMac Mortgage Investment Trust's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PennyMac Mortgage Investment Trust stock overvalued right now?
Based on GuruFocus' analysis, PennyMac Mortgage Investment Trust (FRA:8PM) is currently considered Possible Value Trap. The stock's GF Value™ is €17.99, compared to a current price of €8.41 — trading 53.3% below its estimated fair value. The current Moat Score is 5. PennyMac Mortgage Investment Trust's overall GF Score™ is 50/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PennyMac Mortgage Investment Trust (FRA:8PM), the current Moat Score is 5 as of Jul. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

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 €8.41 is trading 53.3% below its estimated GF Value™ of €17.99. GuruFocus considers PennyMac Mortgage Investment Trust to be Possible Value Trap.

Key valuation signals for FRA:8PM:

  • Moat Score: 5
  • GF Value™: €17.99 vs. price of €8.41 (53.3% below fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for FRA:8PM

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

€8.41
Price
€17.99
GF Value