Is PennyMac Mortgage Investment Trust (PMT) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 1070.5% / 30% | 123.8% / 30% | 12.9% / 30% | 538.31% / 5% | ✗ NOT HALAL |
| DJIM | 1070.5% / 33% | 123.8% / 33% | 12.9% / 33% | 538.31% / 5% | ✗ NOT HALAL |
| MSCI | 51.9% / 33% | 6.0% / 33% | 0.6% / 33% | 538.31% / 5% | ✗ NOT HALAL |
| S&P | 1070.5% / 33% | 123.8% / 33% | 12.9% / 33% | 538.31% / 5% | ✗ NOT HALAL |
| FTSE | 51.9% / 33% | 6.0% / 33% | 0.6% / 50% | 538.31% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 82.9% | |
| Operating Margin | 21.1% | |
| Net Margin | 17.7% | |
| Return on Equity (ROE) | 6.7% | |
| Return on Assets (ROA) | 0.7% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$7.2B |
| Free Cash Flow | -$7.2B |
| Total Debt | $11.1B |
| Debt-to-Equity | 1014.2 |
| Current Ratio | 1.4 |
| Total Assets | $21.3B |
Price & Trading
| Last Close | $11.31 |
| 50-Day MA | $12.27 |
| 200-Day MA | $12.41 |
| Avg Volume | 1.2M |
| Beta | 1.2 |
|
52-Week Range
$11.14
| |
About PennyMac Mortgage Investment Trust (PMT)
PennyMac Mortgage Investment Trust, through its subsidiary, primarily invests in residential mortgage-related assets in the United States. The company operates through: Credit Sensitive Strategies, Interest Rate Sensitive Strategies, and Correspondent Production segments. The Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements and subordinate and credit-linked mortgage-backed securities (MBS). The Interest Rate Sensitive Strategies segment engages in investing in mortgage servicing rights, agency and senior non-agency MBS, and collateralized mortgage obligations (CMOs), as well as interest rate hedging activities. The Correspondent Production segment is involved in purchasing, pooling, and reselling newly originated prime credit quality loans directly or in the form of MBS. The company primarily sells its loans to government-sponsored enterprises. It has elected to be taxed as a real estate investment trust (REIT). It is not subject to U.S. federal income tax on the REIT taxable income it distributes to its shareholders. PennyMac Mortgage Investment Trust was incorporated in 2009 and is headquartered in Westlake Village, California.
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Frequently Asked Questions
Is PennyMac Mortgage Investment Trust (PMT) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PennyMac Mortgage Investment Trust is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PennyMac Mortgage Investment Trust's debt ratio?
PennyMac Mortgage Investment Trust's debt ratio is 1070.5% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 51.9%.
What are PennyMac Mortgage Investment Trust's key financial metrics?
PennyMac Mortgage Investment Trust has a market capitalization of $975M, trailing P/E ratio of 11.3, and revenue of $158M. The company maintains a gross margin of 82.9% and a net margin of 17.7%. Return on equity stands at 6.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.