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).

PennyMac Mortgage Investment Trust

PMT: Is PennyMac Mortgage Investment Trust Halal?

Not Halal

PennyMac Mortgage Investment Trust

NYSEReal EstateUS

$10.43

+0.68%

About PennyMac Mortgage Investment Trust

PennyMac Mortgage Investment Trust, a specialty finance company, primarily invests in mortgage-related assets in the United States. The company's Credit Sensitive Strategies segment invests in credit risk transfer (CRT) agreements, CRT securities, distressed loans, real estate, and non-agency subordinated bonds. Its Interest Rate Sensitive Strategies segment engages in investing in mortgage servicing rights, excess servicing spreads, and agency and senior non-agency mortgage-backed securities (MBS), as well as related interest rate hedging activities. The company's Correspondent Production segment is involved in purchasing, pooling, and reselling newly originated prime credit residential loans directly or in the form of MBS. PNMAC Capital Management, LLC acts as the manager of PennyMac Mortgage Investment Trust. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its shareholders. PennyMac Mortgage Investment Trust was founded in 2009 and is headquartered in Westlake Village, California.

Sector: Real Estate 路 Industry: REIT - Mortgage

Shariah Compliance Status

AAOIFI Standard 21Updated Jun 17, 2026
F

Non-Compliant

Fails Shariah screening

0Score

Business Activity Screen

Failed

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

  • Prohibited industry: REIT - Mortgage

Financial Ratio Screen

Failed

Financial ratios must be below AAOIFI thresholds

Debt / Market Cap2148.8% / 30.0%

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

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

Screened: Jun 17, 2026Fiscal: FY 2025Source: FMP

Financial Overview

Market Cap

909.5M

Price

$10.43

Sector

Real Estate

Industry

REIT - Mortgage

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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 2148.8% (limit 30%); interest-bearing deposits of 52.0% (limit 30%); prohibited income of 48.76% (limit 5%). 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: Jun 17, 2026.

Screened according to AAOIFI Standard No. 21 路 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.