What is PennyMac Mortgage Investment Trust's Shariah compliance score?

PennyMac Mortgage Investment Trust's (PMT) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does PennyMac Mortgage Investment Trust pass AAOIFI screening?

PennyMac Mortgage Investment Trust (PMT) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (PMT: 2353.2%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for PennyMac Mortgage Investment Trust stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the exact percentage and amount for PennyMac Mortgage Investment Trust (PMT) using the latest financial data.

Where can I screen PennyMac Mortgage Investment Trust for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for PennyMac Mortgage Investment Trust (PMT) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about PMT's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

PMT: Is PennyMac Mortgage Investment Trust Halal?

PennyMac Mortgage Investment Trust

NYSEReal EstateUS

$10.81

-3.74%

Market Cap: 942.7M

Compliance Status

Not Halal

Screened on Sep 1, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is PennyMac Mortgage Investment Trust (PMT) halal? Not Halal. Based on AAOIFI screening, PennyMac Mortgage Investment Trust has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates PennyMac Mortgage Investment Trust (PMT) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Sep 1, 2026. Source: https://halalscreener.app/en/stock/PMT

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

2353.2% of 30.0% limit

What this means for you

Most scholars advise not holding PMT

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About PennyMac Mortgage Investment Trust

PennyMac Mortgage Investment Trust (PMT) functions as a specialized financial firm, concentrating its investments primarily on mortgage-related assets within the United States. The company operates through several key divisions: Its Credit Sensitive Strategies segment channels capital into various instruments, including credit risk transfer (CRT) agreements and securities, distressed loans, real estate holdings, and non-agency subordinated bonds. The Interest Rate Sensitive Strategies segment focuses on investments such as mortgage servicing rights, excess servicing spreads, and both agency and senior non-agency mortgage-backed securities (MBS), while also undertaking related interest rate hedging activities. Through its Correspondent Production segment, PMT engages in the acquisition, pooling, and subsequent resale of newly originated prime credit residential loans, either directly or packaged as MBS. The trust is externally managed by PNMAC Capital Management, LLC. For federal income tax purposes, PennyMac Mortgage Investment Trust qualifies as a real estate investment trust (REIT). This status generally allows it to avoid federal corporate income taxes, provided it distributes at least 90% of its taxable income to its shareholders. PMT was founded in 2009 and has its headquarters situated in Westlake Village, California.

Sector: Real Estate · Industry: REIT - Mortgage

Shariah Compliance Status

AAOIFI Standard 21Updated Sep 1, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: REIT - Mortgage

Compliance History

Not Halalnow
since Aug 2026
Under Review
until the change above
Not Halal
until the change above
Under Review
until the change above
Not Halal
until the change above

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Real Estate

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Maui Land & Pineapple Company, Inc.

$17.34

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XRNA+

Chiron Real Estate Inc.

$36.58

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Frequently Asked Questions

Is PennyMac Mortgage Investment Trust (PMT) halal to invest in?

PennyMac Mortgage Investment Trust (PMT) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did PennyMac Mortgage Investment Trust get a F compliance rating?

PennyMac Mortgage Investment Trust (PMT) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 2353.2% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change PennyMac Mortgage Investment Trust's Shariah verdict?

PennyMac Mortgage Investment Trust's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is PennyMac Mortgage Investment Trust re-screened for Shariah compliance?

PennyMac Mortgage Investment Trust (PMT) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Sep 1, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.