Will Pennymac stock go up?

According to Danelfin AI, Pennymac has today an AI Score of 3/10 (Sell rating), because its probability of beating the market in 3 months (45.25%) is -5.58% vs. the average probability (50.82%) of all US-listed stocks.

What is the target price for Pennymac stock?

The Pennymac target price is $10.82 (1Y), according to the average price target offered by analysts.

Is it a good time to buy, sell, or hold Pennymac stock right now?

Pennymac has today a Sell rating (AI Score 3/10), according to Danelfin AI. Its probability of beating the market in 3 months (45.25%) is -5.58% vs. the average probability (50.82%) of all US-listed stocks, based on our AI-powered analysis. You can find more details on whether Pennymac stock is a good buy .

Is Pennymac undervalued right now?

Based on analysts, the average price target downside for Pennymac is 0.00% (1Y). According to Danelfin AI, Pennymac has today an AI Score of 3/10 (Sell Rating).

What was the price range of Pennymac stock over the past 12 months?

The Pennymac stock price range over the past 12 months has been $9.86 - $13.81.

What is going on with Pennymac stock in the last 3 months?

The Pennymac stock performance in the last quarter has been -8.14%.

Does Pennymac offer dividend payments?

Yes, Pennymac stock dividend yield is 14.80%.

What is the current market capitalization of Pennymac?

Pennymac's market cap is $942.66M, as of 2026-07-03 08:00.

PennyMac Mortgage Investment Trust (PMT) AI Stock Analysis

Advanced Chart

Custom range

Jul 3, 2025

→

Jul 3, 2026

Custom range

Jul 3, 2025

→

Jul 3, 2026

PMT AI-Powered Stock Analysis

AI Score Explanation

AI Score

Sell

Fundamental
Technical
Sentiment
Low Risk

According to Danelfin’s proprietary AI model, PennyMac Mortgage Investment Trust today receives an AI Score of 3/10, which translates to a Sell rating. The stock has a 45% probability of outperforming the market in the next 3 months, which is 6% lower than the average probability of any stock (51%). Among the top positive contributors, the Fundamentals Impact (Long Tail) adds +1.40% to the probability, while Operating Cash Flow (Qtr Discrete) (in the bottom 10%) contributes +1.27%, and Performance (YTD) (in the bottom 40%) adds +0.87%. On the negative side, the Industry (GICS) classification as Mortgage Real Estate Investment Trusts (REITs) detracts -4.79%, the Chart Pattern (504d) reduces probability by -2.24%, and the Distance from KAMA (20d) (in the top 30%) subtracts -0.80%. Notable data points include a very low Operating Cash Flow of -2529.37 (bottom 10%), which paradoxically boosts the probability, while the Fear & Greed Index at 31 (extreme fear) detracts -0.67%. The Short Float (%) at 6.55% (top 30%) also weighs on the outlook. Despite some positive signals from fundamentals and technicals, the strong negative impact from the industry and chart patterns, combined with a low AI Score, suggests a cautious stance. The overall picture indicates that the stock faces significant headwinds, leading to a Sell rating.

AI Score Explanation

Generating AI Score explanation

We're getting the explanation ready so you can easily understand what's behind the AI Score. This may take a few seconds.

Earnings Quality+1.56%
Stability and reliability of reported earnings
Valuation+1.04%
How the stock is priced relative to its fundamentals
Growth+0.36%
Expected pace of revenue and earnings expansion
Size & Liquidity+0.23%
Company size and trading liquidity
Volatility+0.22%
How much the stock price tends to fluctuate

Sentiment-6.44%
How analysts and the market view the stock
Momentum-2.53%
Direction and strength of recent price movements

PMT probability advantage of beating the market (3M):

-5.58%

Technical

Pennymac (PMT) has a Technical Score of 5/10 because, according to only technical analysis, it has a probability advantage of -2.38% of beating the market (S&P500) in the next 3 months. This advantage is calculated as the difference between the average probability of any US-listed stock (50.73%) and the probability of PMT (48.34%) of overperforming the market in the next 3 months, as determined by Danelfin AI’s technical analysis.

Average probability of any US-listed stock of beating the market (3M)50.73%
PMT probability advantage of beating the market (only technical, 3M)-2.38%
PMT probability of beating the market (3M)48.34%

PMT probability advantage of beating the market (only technical, 3M): -2.38%

The AI-powered technical analysis of Pennymac (PMT) is only based on the 30 technical features that had the greatest impact on stock performance during the last 12 months (alpha signals). These alpha signals explain the probability advantage of PMT:

Type	Alpha Signal	Probability Advantage Impact (3M)
Technical	Upgrade to Pro to unlock	+6.15%
Technical	Upgrade to Pro to unlock	-4.48%
Technical	Upgrade to Pro to unlock	-3.53%
Technical	Upgrade to Pro to unlock	+2.50%
Technical	Upgrade to Pro to unlock	-2.40%
Technical	Upgrade to Pro to unlock	-2.03%
Technical	Upgrade to Pro to unlock	+1.41%
Technical	Upgrade to Pro to unlock	-1.34%
Technical	Upgrade to Pro to unlock	-1.13%
Technical	Upgrade to Pro to unlock	+0.97%
Technical	Upgrade to Pro to unlock	-0.94%
Technical	Upgrade to Pro to unlock	+0.88%
Technical	Upgrade to Pro to unlock	-0.86%
Technical	Upgrade to Pro to unlock	+0.81%
Technical	Upgrade to Pro to unlock	-0.74%

Rest of Alpha Signals: +2.35%

PMT probability advantage of beating the market (only technical, 3M)Total:-2.38%
PMT Technical Score

Significant changes Vs previous day

PMT Short Trading Parameters

These suggested trading parameters for a 3-month horizon help improve risk management and decision-making.

Entry:$10.82
Horizon: 3 months
Stop Loss:$XXXXXPro (XXXXXPro)
Take Profit:$XXXXXPro (XXXXX
Pro
)

PMT Proven Sell Signal & Price Forecast

This is the price chart for PMT from January 2, 2026 until today. The chart indicates, in red, the 37 days when the stock received a Sell/Strong Sell rating (sell signals, AI Score 1 to 3).

Forecast: In the section below, the central dotted line represents the most expected path, while the shaded area indicates the anticipated price range. This is based on previous Sell signals with a 90% confidence level.

Full Track Record

Unlock AI-powered forecast

Closing price (USD)
Sell signals

Forecast:

1 Month
3 Months
6 Months
1 Year

PMT Average Past Performance & Loss Rate

Three months after its 887 Sell signals since July 2026, PMT had an average performance of xxxxxx and a xxxxxx Loss rate (negative performance).

887 Past PMT Sell Signals	1 Month Later	3 Months Later	6 Months Later	1 Year Later
Average Performance				-2.48%
Average Alpha				-14.07%
Loss Rate (% Negative Perf.)				50.91%
% Negative Alpha				76.25%

PMT Frequently Asked Questions

Will Pennymac stock go up?
According to Danelfin AI, Pennymac has today an AI Score of 3/10 (Sell rating), because its probability of beating the market in 3 months (45.25%) is -5.58% vs. the average probability (50.82%) of all US-listed stocks.
What is the target price for Pennymac stock?
Is it a good time to buy, sell, or hold Pennymac stock right now?
Is Pennymac undervalued right now?
What was the price range of Pennymac stock over the past 12 months?
What is going on with Pennymac stock in the last 3 months?
Does Pennymac offer dividend payments?
What is the current market capitalization of Pennymac?

PennyMac Mortgage Investment Trust Company Profile

PennyMac Mortgage Investment Trust, through its affiliate, is primarily engaged in the investment of mortgage-associated assets within the United States. The company's operations are broadly divided into Credit Sensitive Strategies, Interest Rate Sensitive Strategies, and Correspondent Production segments.

The Credit Sensitive Strategies division emphasizes investment in various forms of credit risk including CRT agreements, CRT securities, secondary mortgage-backed securities (MBS), and real estate-related distressed loans. Conversely, the Interest Rate Sensitive Strategies section focuses on acquiring investments such as mortgage servicing rights, agency and senior non-agency MBS while also participating in relevant interest rate hedging activities. In addition to an excess of servicing spreads.

The third segment — Correspondent Production — handles tasks related to the acquisition, amalgamation and subsequent resale of newly generated prime credit residential loans either directly or in the form of MBS. Its primary clientele for loan sales consists of government-sanctioned entities or PennyMac Loan Services LLC.

In accordance with federal income tax laws, PennyMac Mortgage Investment Trust qualifies as a real estate investment trust or REIT; freeing itself from paying standard federal corporate income taxes if it allocates at least 90% of its taxable revenue among its shareholders. Established in 2009, this trust functions centrally from its headquarters stationed at Westlake Village in California.

Sector:
Country:United States
Industry:
Address:2405 YORK ROAD SUITE 201, LUTHERVILLE TIMONIUM, Westlake Village
Employees:7
Website:pennymac.com

Pros

Diversified residential mortgage investment portfolio

Mortgage servicing rights as interest rate hedge

Access to agency-backed financing channels

Participation in credit risk transfer market

Proprietary correspondent loan acquisition platform

Cons

High sensitivity to interest rate fluctuations

Exposure to mortgage prepayment risk

Direct credit risk on residential mortgage assets

Extensive regulatory compliance burden in mortgage sector

Capital-intensive asset acquisition model

Pros

Cons

Company

AI Score

Compare

PFSIPennyMac Financial Services Inc

ADAMNew York Mortgage Trust Inc

MITTTPG Mortgage Investment Trust Inc

IVRInvesco Mortgage Capital Inc

MTGMGIC Investment Corp

Company

AI Score

Compare

	Company	AI Score	Compare
1	ACRAcres Commercial Realty Corp

Company

AI Score

Compare

ACRAcres Commercial Realty Corp

Company

AI Score

Compare

	Company	AI Score	Compare
1	BBDBanco Bradesco SA

Company

AI Score

Compare

BBDBanco Bradesco SA

Company

AI Score

Compare

PMT Stock AI Analysis