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Side-by-side financial comparison of PennyMac Mortgage Investment Trust (PMT) and REGIS CORP (RGS). 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 $57.1M, roughly 1.6× REGIS CORP). PennyMac Mortgage Investment Trust runs the higher net margin — 56.0% vs 0.8%, a 55.2% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs -13.3%). Over the past eight quarters, PennyMac Mortgage Investment Trust's revenue compounded faster (12.3% CAGR vs 7.8%).
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.
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
PMT vs RGS — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $93.6M | $57.1M |
| Net Profit | $52.4M | $456.0K |
| Gross Margin | — | — |
| Operating Margin | 38.6% | 10.8% |
| Net Margin | 56.0% | 0.8% |
| Revenue YoY | -13.3% | 22.3% |
| Net Profit YoY | 12.5% | -94.0% |
| EPS (diluted) | $0.49 | $0.16 |
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 | $93.6M | $57.1M | ||
| Q3 25 | $99.2M | $59.0M | ||
| Q2 25 | $70.2M | $60.4M | ||
| Q1 25 | $44.5M | $57.0M | ||
| Q4 24 | $107.9M | $46.7M | ||
| Q3 24 | $80.9M | $46.1M | ||
| Q2 24 | $71.2M | $49.4M | ||
| Q1 24 | $74.2M | $49.2M |
| Q4 25 | $52.4M | $456.0K | ||
| Q3 25 | $58.3M | $1.4M | ||
| Q2 25 | $7.5M | $116.5M | ||
| Q1 25 | $9.7M | $250.0K | ||
| Q4 24 | $46.5M | $7.6M | ||
| Q3 24 | $41.4M | $-853.0K | ||
| Q2 24 | $25.4M | $91.2M | ||
| Q1 24 | $47.6M | $-2.3M |
| Q4 25 | 38.6% | 10.8% | ||
| Q3 25 | 47.4% | 10.0% | ||
| Q2 25 | 24.2% | 12.1% | ||
| Q1 25 | -14.2% | 8.8% | ||
| Q4 24 | 51.1% | 11.8% | ||
| Q3 24 | 32.8% | 4.6% | ||
| Q2 24 | 40.2% | — | ||
| Q1 24 | 43.6% | 8.3% |
| Q4 25 | 56.0% | 0.8% | ||
| Q3 25 | 58.7% | 2.3% | ||
| Q2 25 | 10.7% | 192.9% | ||
| Q1 25 | 21.8% | 0.4% | ||
| Q4 24 | 43.1% | 16.4% | ||
| Q3 24 | 51.2% | -1.9% | ||
| Q2 24 | 35.7% | 184.7% | ||
| Q1 24 | 64.2% | -4.7% |
| Q4 25 | $0.49 | $0.16 | ||
| Q3 25 | $0.55 | $0.49 | ||
| Q2 25 | $-0.04 | $43.67 | ||
| Q1 25 | $-0.01 | $0.08 | ||
| Q4 24 | $0.45 | $2.71 | ||
| Q3 24 | $0.36 | $-0.36 | ||
| Q2 24 | $0.17 | $38.40 | ||
| Q1 24 | $0.39 | $-1.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $190.5M | $18.4M |
| Total DebtLower is stronger | $1.1B | $113.3M |
| Stockholders' EquityBook value | $1.9B | $188.7M |
| Total Assets | $21.3B | $588.3M |
| Debt / EquityLower = less leverage | 0.58× | 0.60× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $190.5M | $18.4M | ||
| Q3 25 | $181.0M | $16.6M | ||
| Q2 25 | $108.6M | $17.0M | ||
| Q1 25 | $204.2M | $13.3M | ||
| Q4 24 | $103.2M | $10.2M | ||
| Q3 24 | $102.8M | $6.3M | ||
| Q2 24 | $336.3M | $10.1M | ||
| Q1 24 | $343.3M | $5.9M |
| Q4 25 | $1.1B | $113.3M | ||
| Q3 25 | $299.0M | $111.3M | ||
| Q2 25 | $1.2B | $110.8M | ||
| Q1 25 | $968.4M | $112.0M | ||
| Q4 24 | $1.0B | $111.5M | ||
| Q3 24 | $5.2B | $95.2M | ||
| Q2 24 | $5.4B | $99.5M | ||
| Q1 24 | $5.1B | $179.7M |
| Q4 25 | $1.9B | $188.7M | ||
| Q3 25 | $1.9B | $187.6M | ||
| Q2 25 | $1.9B | $185.6M | ||
| Q1 25 | $1.9B | $68.6M | ||
| Q4 24 | $1.9B | $66.7M | ||
| Q3 24 | $1.9B | $56.4M | ||
| Q2 24 | $1.9B | $56.8M | ||
| Q1 24 | $2.0B | $-35.8M |
| Q4 25 | $21.3B | $588.3M | ||
| Q3 25 | $18.5B | $592.1M | ||
| Q2 25 | $16.8B | $599.0M | ||
| Q1 25 | $14.9B | $511.2M | ||
| Q4 24 | $14.4B | $530.1M | ||
| Q3 24 | $13.1B | $508.9M | ||
| Q2 24 | $12.1B | $530.5M | ||
| Q1 24 | $12.3B | $543.7M |
| Q4 25 | 0.58× | 0.60× | ||
| Q3 25 | 0.16× | 0.59× | ||
| Q2 25 | 0.65× | 0.60× | ||
| Q1 25 | 0.51× | 1.63× | ||
| Q4 24 | 0.52× | 1.67× | ||
| Q3 24 | 2.70× | 1.69× | ||
| Q2 24 | 2.76× | 1.75× | ||
| 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 | $-7.2B | $1.7M |
| Free Cash FlowOCF − Capex | — | $891.0K |
| FCF MarginFCF / Revenue | — | 1.6% |
| Capex IntensityCapex / Revenue | — | 1.4% |
| Cash ConversionOCF / Net Profit | -137.76× | 3.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $14.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-7.2B | $1.7M | ||
| Q3 25 | $-1.3B | $2.3M | ||
| Q2 25 | $-2.0B | $6.8M | ||
| Q1 25 | $-594.3M | $6.2M | ||
| Q4 24 | $-2.7B | $2.1M | ||
| Q3 24 | $-983.8M | $-1.3M | ||
| Q2 24 | $243.8M | $5.1M | ||
| Q1 24 | $-342.4M | $-277.0K |
| Q4 25 | — | $891.0K | ||
| Q3 25 | — | $1.9M | ||
| Q2 25 | — | $6.2M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $1.7M | ||
| Q3 24 | — | $-1.4M | ||
| Q2 24 | — | $5.1M | ||
| Q1 24 | — | $-326.0K |
| Q4 25 | — | 1.6% | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 10.3% | ||
| Q1 25 | — | 10.3% | ||
| Q4 24 | — | 3.6% | ||
| Q3 24 | — | -3.0% | ||
| Q2 24 | — | 10.3% | ||
| Q1 24 | — | -0.7% |
| Q4 25 | — | 1.4% | ||
| Q3 25 | — | 0.7% | ||
| Q2 25 | — | 0.9% | ||
| Q1 25 | — | 0.6% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 0.0% | ||
| Q2 24 | — | 0.0% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | -137.76× | 3.65× | ||
| Q3 25 | -22.26× | 1.68× | ||
| Q2 25 | -267.53× | 0.06× | ||
| Q1 25 | -61.39× | 24.80× | ||
| Q4 24 | -58.08× | 0.28× | ||
| Q3 24 | -23.76× | — | ||
| Q2 24 | 9.59× | 0.06× | ||
| Q1 24 | -7.19× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PMT
| Other | $55.0M | 59% |
| Interest Rate Sensitive Strategies | $31.4M | 34% |
| Correspondent Production | $7.2M | 8% |
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
