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Side-by-side financial comparison of iQSTEL Inc (IQST) and PennyMac Mortgage Investment Trust (PMT). Click either name above to swap in a different company.
PennyMac Mortgage Investment Trust is the larger business by last-quarter revenue ($93.6M vs $84.2M, roughly 1.1× iQSTEL Inc). PennyMac Mortgage Investment Trust runs the higher net margin — 56.0% vs -3.2%, a 59.2% gap on every dollar of revenue. On growth, PennyMac Mortgage Investment Trust posted the faster year-over-year revenue change (-13.3% vs -14.9%). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% CAGR vs 12.3%).
iQSTEL Inc is a technology holding company operating three core segments: telecommunications, Internet of Things (IoT), and fintech. It offers connectivity services, smart IoT monitoring solutions, and digital financial tools, mainly serving small and medium-sized enterprises and retail customers in North and South American markets.
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.
IQST vs PMT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $84.2M | $93.6M |
| Net Profit | $-2.7M | $52.4M |
| Gross Margin | 3.5% | — |
| Operating Margin | -2.9% | 38.6% |
| Net Margin | -3.2% | 56.0% |
| Revenue YoY | -14.9% | -13.3% |
| Net Profit YoY | -44.5% | 12.5% |
| EPS (diluted) | $-0.92 | $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 | $84.2M | $93.6M | ||
| Q3 25 | $102.9M | $99.2M | ||
| Q2 25 | $72.2M | $70.2M | ||
| Q1 25 | $57.6M | $44.5M | ||
| Q4 24 | $98.9M | $107.9M | ||
| Q3 24 | $54.2M | $80.9M | ||
| Q2 24 | $78.6M | $71.2M | ||
| Q1 24 | $51.4M | $74.2M |
| Q4 25 | $-2.7M | $52.4M | ||
| Q3 25 | $-2.3M | $58.3M | ||
| Q2 25 | $-2.3M | $7.5M | ||
| Q1 25 | $-1.1M | $9.7M | ||
| Q4 24 | $-1.9M | $46.5M | ||
| Q3 24 | $-773.0K | $41.4M | ||
| Q2 24 | $-2.0M | $25.4M | ||
| Q1 24 | $-580.2K | $47.6M |
| Q4 25 | 3.5% | — | ||
| Q3 25 | 2.7% | — | ||
| Q2 25 | 2.6% | — | ||
| Q1 25 | 3.4% | — | ||
| Q4 24 | 2.7% | — | ||
| Q3 24 | 3.7% | — | ||
| Q2 24 | 2.8% | — | ||
| Q1 24 | 2.7% | — |
| Q4 25 | -2.9% | 38.6% | ||
| Q3 25 | -0.5% | 47.4% | ||
| Q2 25 | -0.9% | 24.2% | ||
| Q1 25 | -1.0% | -14.2% | ||
| Q4 24 | -0.3% | 51.1% | ||
| Q3 24 | -0.1% | 32.8% | ||
| Q2 24 | -0.4% | 40.2% | ||
| Q1 24 | -0.4% | 43.6% |
| Q4 25 | -3.2% | 56.0% | ||
| Q3 25 | -2.3% | 58.7% | ||
| Q2 25 | -3.3% | 10.7% | ||
| Q1 25 | -2.0% | 21.8% | ||
| Q4 24 | -1.9% | 43.1% | ||
| Q3 24 | -1.4% | 51.2% | ||
| Q2 24 | -2.5% | 35.7% | ||
| Q1 24 | -1.1% | 64.2% |
| Q4 25 | $-0.92 | $0.49 | ||
| Q3 25 | $-0.68 | $0.55 | ||
| Q2 25 | $-0.82 | $-0.04 | ||
| Q1 25 | $-0.44 | $-0.01 | ||
| Q4 24 | $-1.19 | $0.45 | ||
| Q3 24 | $-0.40 | $0.36 | ||
| Q2 24 | $-0.90 | $0.17 | ||
| Q1 24 | $-0.37 | $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 | $2.2M | $190.5M |
| Total DebtLower is stronger | $4.1M | $1.1B |
| Stockholders' EquityBook value | $16.3M | $1.9B |
| Total Assets | $51.1M | $21.3B |
| Debt / EquityLower = less leverage | 0.25× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $190.5M | ||
| Q3 25 | $2.3M | $181.0M | ||
| Q2 25 | $2.0M | $108.6M | ||
| Q1 25 | $1.1M | $204.2M | ||
| Q4 24 | $2.5M | $103.2M | ||
| Q3 24 | $2.1M | $102.8M | ||
| Q2 24 | $797.2K | $336.3M | ||
| Q1 24 | $2.7M | $343.3M |
| Q4 25 | $4.1M | $1.1B | ||
| Q3 25 | $2.7M | $299.0M | ||
| Q2 25 | $4.5M | $1.2B | ||
| Q1 25 | $3.5M | $968.4M | ||
| Q4 24 | $2.5M | $1.0B | ||
| Q3 24 | $3.2M | $5.2B | ||
| Q2 24 | $2.5M | $5.4B | ||
| Q1 24 | $194.0K | $5.1B |
| Q4 25 | $16.3M | $1.9B | ||
| Q3 25 | $17.9M | $1.9B | ||
| Q2 25 | $14.3M | $1.9B | ||
| Q1 25 | $11.6M | $1.9B | ||
| Q4 24 | $11.9M | $1.9B | ||
| Q3 24 | $8.1M | $1.9B | ||
| Q2 24 | $7.6M | $1.9B | ||
| Q1 24 | $8.4M | $2.0B |
| Q4 25 | $51.1M | $21.3B | ||
| Q3 25 | $46.9M | $18.5B | ||
| Q2 25 | $51.4M | $16.8B | ||
| Q1 25 | $42.0M | $14.9B | ||
| Q4 24 | $79.0M | $14.4B | ||
| Q3 24 | $32.4M | $13.1B | ||
| Q2 24 | $30.0M | $12.1B | ||
| Q1 24 | $22.1M | $12.3B |
| Q4 25 | 0.25× | 0.58× | ||
| Q3 25 | 0.15× | 0.16× | ||
| Q2 25 | 0.31× | 0.65× | ||
| Q1 25 | 0.31× | 0.51× | ||
| Q4 24 | 0.21× | 0.52× | ||
| Q3 24 | 0.40× | 2.70× | ||
| Q2 24 | 0.34× | 2.76× | ||
| Q1 24 | 0.02× | 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 | $-1.2M | $-7.2B |
| Free Cash FlowOCF − Capex | $-1.2M | — |
| FCF MarginFCF / Revenue | -1.5% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | — | -137.76× |
| TTM Free Cash FlowTrailing 4 quarters | $-4.0M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-1.2M | $-7.2B | ||
| Q3 25 | $-953.0K | $-1.3B | ||
| Q2 25 | $257.7K | $-2.0B | ||
| Q1 25 | $-1.9M | $-594.3M | ||
| Q4 24 | $-403.7K | $-2.7B | ||
| Q3 24 | $625.0K | $-983.8M | ||
| Q2 24 | $-2.6M | $243.8M | ||
| Q1 24 | $-536.9K | $-342.4M |
| Q4 25 | $-1.2M | — | ||
| Q3 25 | $-969.2K | — | ||
| Q2 25 | $211.7K | — | ||
| Q1 25 | $-2.0M | — | ||
| Q4 24 | $-421.3K | — | ||
| Q3 24 | $594.5K | — | ||
| Q2 24 | $-2.6M | — | ||
| Q1 24 | $-608.5K | — |
| Q4 25 | -1.5% | — | ||
| Q3 25 | -0.9% | — | ||
| Q2 25 | 0.3% | — | ||
| Q1 25 | -3.4% | — | ||
| Q4 24 | -0.4% | — | ||
| Q3 24 | 1.1% | — | ||
| Q2 24 | -3.4% | — | ||
| Q1 24 | -1.2% | — |
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.1% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.1% | — |
| Q4 25 | — | -137.76× | ||
| Q3 25 | — | -22.26× | ||
| Q2 25 | — | -267.53× | ||
| Q1 25 | — | -61.39× | ||
| Q4 24 | — | -58.08× | ||
| Q3 24 | — | -23.76× | ||
| Q2 24 | — | 9.59× | ||
| Q1 24 | — | -7.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
PMT
| Other | $55.0M | 59% |
| Interest Rate Sensitive Strategies | $31.4M | 34% |
| Correspondent Production | $7.2M | 8% |
