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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and PennyMac Mortgage Investment Trust (PMT). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $93.6M, roughly 1.1× PennyMac Mortgage Investment Trust). PennyMac Mortgage Investment Trust runs the higher net margin — 56.0% vs 11.6%, a 44.3% gap on every dollar of revenue. On growth, CARRIAGE SERVICES INC posted the faster year-over-year revenue change (8.0% vs -13.3%). Over the past eight quarters, PennyMac Mortgage Investment Trust's revenue compounded faster (12.3% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
PennyMac Mortgage Investment Trust is a U.S.-headquartered real estate investment trust specializing in residential mortgage assets. It invests in performing and non-performing mortgage loans, mortgage-backed securities, and credit risk transfer instruments, operating across investment management and mortgage servicing segments in the U.S. housing market.
CSV vs PMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $93.6M |
| Net Profit | $12.3M | $52.4M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | 38.6% |
| Net Margin | 11.6% | 56.0% |
| Revenue YoY | 8.0% | -13.3% |
| Net Profit YoY | 24.5% | 12.5% |
| EPS (diluted) | $0.76 | $0.49 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $105.5M | $93.6M | ||
| Q3 25 | $102.7M | $99.2M | ||
| Q2 25 | $102.1M | $70.2M | ||
| Q1 25 | $107.1M | $44.5M | ||
| Q4 24 | $97.7M | $107.9M | ||
| Q3 24 | $100.7M | $80.9M | ||
| Q2 24 | $102.3M | $71.2M | ||
| Q1 24 | $103.5M | $74.2M |
| Q4 25 | $12.3M | $52.4M | ||
| Q3 25 | $6.6M | $58.3M | ||
| Q2 25 | $11.7M | $7.5M | ||
| Q1 25 | $20.9M | $9.7M | ||
| Q4 24 | $9.9M | $46.5M | ||
| Q3 24 | $9.9M | $41.4M | ||
| Q2 24 | $6.3M | $25.4M | ||
| Q1 24 | $7.0M | $47.6M |
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — | ||
| Q1 24 | 36.0% | — |
| Q4 25 | 23.3% | 38.6% | ||
| Q3 25 | 17.0% | 47.4% | ||
| Q2 25 | 23.5% | 24.2% | ||
| Q1 25 | 29.5% | -14.2% | ||
| Q4 24 | 21.6% | 51.1% | ||
| Q3 24 | 22.7% | 32.8% | ||
| Q2 24 | 18.0% | 40.2% | ||
| Q1 24 | 18.8% | 43.6% |
| Q4 25 | 11.6% | 56.0% | ||
| Q3 25 | 6.4% | 58.7% | ||
| Q2 25 | 11.5% | 10.7% | ||
| Q1 25 | 19.5% | 21.8% | ||
| Q4 24 | 10.1% | 43.1% | ||
| Q3 24 | 9.8% | 51.2% | ||
| Q2 24 | 6.1% | 35.7% | ||
| Q1 24 | 6.7% | 64.2% |
| Q4 25 | $0.76 | $0.49 | ||
| Q3 25 | $0.41 | $0.55 | ||
| Q2 25 | $0.74 | $-0.04 | ||
| Q1 25 | $1.34 | $-0.01 | ||
| Q4 24 | $0.62 | $0.45 | ||
| Q3 24 | $0.63 | $0.36 | ||
| Q2 24 | $0.40 | $0.17 | ||
| Q1 24 | $0.45 | $0.39 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $190.5M |
| Total DebtLower is stronger | — | $1.1B |
| Stockholders' EquityBook value | $254.8M | $1.9B |
| Total Assets | $1.3B | $21.3B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $190.5M | ||
| Q3 25 | $1.2M | $181.0M | ||
| Q2 25 | $1.4M | $108.6M | ||
| Q1 25 | $4.6M | $204.2M | ||
| Q4 24 | $1.2M | $103.2M | ||
| Q3 24 | $1.3M | $102.8M | ||
| Q2 24 | $1.5M | $336.3M | ||
| Q1 24 | $1.7M | $343.3M |
| Q4 25 | — | $1.1B | ||
| Q3 25 | — | $299.0M | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $968.4M | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | $5.2B | ||
| Q2 24 | — | $5.4B | ||
| Q1 24 | — | $5.1B |
| Q4 25 | $254.8M | $1.9B | ||
| Q3 25 | $242.1M | $1.9B | ||
| Q2 25 | $235.4M | $1.9B | ||
| Q1 25 | $223.1M | $1.9B | ||
| Q4 24 | $208.6M | $1.9B | ||
| Q3 24 | $198.1M | $1.9B | ||
| Q2 24 | $187.9M | $1.9B | ||
| Q1 24 | $179.6M | $2.0B |
| Q4 25 | $1.3B | $21.3B | ||
| Q3 25 | $1.3B | $18.5B | ||
| Q2 25 | $1.3B | $16.8B | ||
| Q1 25 | $1.3B | $14.9B | ||
| Q4 24 | $1.3B | $14.4B | ||
| Q3 24 | $1.3B | $13.1B | ||
| Q2 24 | $1.3B | $12.1B | ||
| Q1 24 | $1.3B | $12.3B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.16× | ||
| Q2 25 | — | 0.65× | ||
| Q1 25 | — | 0.51× | ||
| Q4 24 | — | 0.52× | ||
| Q3 24 | — | 2.70× | ||
| Q2 24 | — | 2.76× | ||
| Q1 24 | — | 2.60× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $14.1M | $-7.2B |
| Free Cash FlowOCF − Capex | $6.2M | — |
| FCF MarginFCF / Revenue | 5.9% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | 1.15× | -137.76× |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $-7.2B | ||
| Q3 25 | $24.7M | $-1.3B | ||
| Q2 25 | $8.1M | $-2.0B | ||
| Q1 25 | $13.8M | $-594.3M | ||
| Q4 24 | $9.3M | $-2.7B | ||
| Q3 24 | $20.9M | $-983.8M | ||
| Q2 24 | $2.2M | $243.8M | ||
| Q1 24 | $19.7M | $-342.4M |
| Q4 25 | $6.2M | — | ||
| Q3 25 | $18.0M | — | ||
| Q2 25 | $5.2M | — | ||
| Q1 25 | $10.6M | — | ||
| Q4 24 | $4.9M | — | ||
| Q3 24 | $16.2M | — | ||
| Q2 24 | $-1.4M | — | ||
| Q1 24 | $16.2M | — |
| Q4 25 | 5.9% | — | ||
| Q3 25 | 17.5% | — | ||
| Q2 25 | 5.1% | — | ||
| Q1 25 | 9.9% | — | ||
| Q4 24 | 5.0% | — | ||
| Q3 24 | 16.1% | — | ||
| Q2 24 | -1.4% | — | ||
| Q1 24 | 15.6% | — |
| Q4 25 | 7.5% | — | ||
| Q3 25 | 6.5% | — | ||
| Q2 25 | 2.8% | — | ||
| Q1 25 | 3.0% | — | ||
| Q4 24 | 4.5% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | 3.5% | — | ||
| Q1 24 | 3.4% | — |
| Q4 25 | 1.15× | -137.76× | ||
| Q3 25 | 3.76× | -22.26× | ||
| Q2 25 | 0.69× | -267.53× | ||
| Q1 25 | 0.66× | -61.39× | ||
| Q4 24 | 0.94× | -58.08× | ||
| Q3 24 | 2.11× | -23.76× | ||
| Q2 24 | 0.34× | 9.59× | ||
| Q1 24 | 2.83× | -7.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
PMT
| Other | $55.0M | 59% |
| Interest Rate Sensitive Strategies | $31.4M | 34% |
| Correspondent Production | $7.2M | 8% |
