CHERRY HILL MORTGAGE INVESTM (CHMI)
US1646511014 - REIT
Overall CHMI gets a fundamental rating of 3 out of 10. We evaluated CHMI against 64 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CHMI has a bad profitability rating. Also its financial health evaluation is rather negative. CHMI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CHMI had positive earnings in the past year.
In the past year CHMI had a positive cash flow from operations.
In multiple years CHMI reported negative net income over the last 5 years.
In the past 5 years CHMI always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -2.74%, CHMI is not doing good in the industry: 93.75% of the companies in the same industry are doing better.
The Return On Equity of CHMI (-17.94%) is worse than 96.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.74% | ||
| ROE | -17.94% | ||
| ROIC | N/A |
ROA(3y)-0.72%
ROA(5y)-1.62%
ROE(3y)-4.02%
ROE(5y)-9.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for CHMI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CHMI has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, CHMI has more shares outstanding
Compared to 1 year ago, CHMI has a worse debt to assets ratio.
2.2 Solvency
CHMI has an Altman-Z score of -1.07. This is a bad value and indicates that CHMI is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of CHMI (-1.07) is worse than 95.31% of its industry peers.
CHMI has a debt to FCF ratio of 158.67. This is a negative value and a sign of low solvency as CHMI would need 158.67 years to pay back of all of its debts.
CHMI has a Debt to FCF ratio (158.67) which is comparable to the rest of the industry.
A Debt/Equity ratio of 5.32 is on the high side and indicates that CHMI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 5.32, CHMI is doing worse than 64.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.32 | ||
| Debt/FCF | 158.67 | ||
| Altman-Z | -1.07 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.06 indicates that CHMI may have some problems paying its short term obligations.
CHMI has a Current ratio of 0.06. This is in the lower half of the industry: CHMI underperforms 76.56% of its industry peers.
CHMI has a Quick Ratio of 0.06. This is a bad value and indicates that CHMI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.06, CHMI is doing worse than 76.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
The earnings per share for CHMI have decreased strongly by -40.26% in the last year.
The earnings per share for CHMI have been decreasing by -20.31% on average. This is quite bad
The Revenue has grown by 40.66% in the past year. This is a very strong growth!
CHMI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -14.98% yearly.
EPS 1Y (TTM)-40.26%
EPS 3Y-26.87%
EPS 5Y-20.31%
EPS Q2Q%-50%
Revenue 1Y (TTM)40.66%
Revenue growth 3YN/A
Revenue growth 5Y-14.98%
Sales Q2Q%-55.78%
3.2 Future
The Earnings Per Share is expected to grow by 0.18% on average over the next years.
CHMI is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 104.15% yearly.
EPS Next Y-24.96%
EPS Next 2Y3.49%
EPS Next 3Y0.18%
EPS Next 5YN/A
Revenue Next Year271.61%
Revenue Next 2Y104.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.70, which indicates a rather cheap valuation of CHMI.
Compared to the rest of the industry, the Price/Earnings ratio of CHMI indicates a rather cheap valuation: CHMI is cheaper than 92.19% of the companies listed in the same industry.
CHMI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
CHMI is valuated cheaply with a Price/Forward Earnings ratio of 3.49.
Based on the Price/Forward Earnings ratio, CHMI is valued cheaply inside the industry as 98.44% of the companies are valued more expensively.
CHMI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 3.49 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CHMI indicates a somewhat cheap valuation: CHMI is cheaper than 64.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.44 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.49%
EPS Next 3Y0.18%
5. Dividend
5.1 Amount
CHMI has a Yearly Dividend Yield of 22.90%, which is a nice return.
In the last 3 months the price of CHMI has falen by -23.39%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
CHMI's Dividend Yield is rather good when compared to the industry average which is at 13.28. CHMI pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, CHMI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.9% |
5.2 History
The dividend of CHMI decreases each year by -14.25%.
CHMI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-14.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
The earnings of CHMI are negative and hence is the payout ratio. CHMI will probably not be able to sustain this dividend level.
DP-64.38%
EPS Next 2Y3.49%
EPS Next 3Y0.18%
CHERRY HILL MORTGAGE INVESTM
NYSE:CHMI (1/3/2025, 8:27:53 PM)
After market: 2.66 +0.04 (+1.53%)2.62
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners16.87%
Inst Owner Change25.39%
Ins Owners0.73%
Ins Owner Change0.58%
Market Cap82.87M
Analysts82.22
Price Target4.08 (55.73%)
Short Float %1.49%
Short Ratio1.55
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.9% |
Dividend Growth(5Y)-14.25%
DP-64.38%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-49.4%
Min EPS beat(2)-49.4%
Max EPS beat(2)-49.4%
EPS beat(4)0
Avg EPS beat(4)-35.07%
Min EPS beat(4)-49.4%
Max EPS beat(4)-12.28%
EPS beat(8)0
Avg EPS beat(8)-25.67%
EPS beat(12)2
Avg EPS beat(12)-17.52%
EPS beat(16)4
Avg EPS beat(16)-14.62%
Revenue beat(2)1
Avg Revenue beat(2)30.86%
Min Revenue beat(2)-31.01%
Max Revenue beat(2)92.72%
Revenue beat(4)1
Avg Revenue beat(4)-61.07%
Min Revenue beat(4)-199.9%
Max Revenue beat(4)92.72%
Revenue beat(8)3
Avg Revenue beat(8)-64.65%
Revenue beat(12)6
Avg Revenue beat(12)71.67%
Revenue beat(16)8
Avg Revenue beat(16)67.53%
PT rev (1m)-20%
PT rev (3m)-20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.64%
EPS NY rev (1m)-19.53%
EPS NY rev (3m)-19.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)21.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 3.49 | ||
| P/S | 1.6 | ||
| P/FCF | 10.44 | ||
| P/OCF | 10.44 | ||
| P/B | 0.35 | ||
| P/tB | 0.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.46
EY17.56%
EPS(NY)0.75
Fwd EY28.61%
FCF(TTM)0.25
FCFY9.58%
OCF(TTM)0.25
OCFY9.58%
SpS1.64
BVpS7.48
TBVpS7.48
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.74% | ||
| ROE | -17.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 15.28% |
ROA(3y)-0.72%
ROA(5y)-1.62%
ROE(3y)-4.02%
ROE(5y)-9.4%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.32 | ||
| Debt/FCF | 158.67 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -1.07 |
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-40.26%
EPS 3Y-26.87%
EPS 5Y-20.31%
EPS Q2Q%-50%
EPS Next Y-24.96%
EPS Next 2Y3.49%
EPS Next 3Y0.18%
EPS Next 5YN/A
Revenue 1Y (TTM)40.66%
Revenue growth 3YN/A
Revenue growth 5Y-14.98%
Sales Q2Q%-55.78%
Revenue Next Year271.61%
Revenue Next 2Y104.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.39%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-84.56%
FCF growth 3Y-13.3%
FCF growth 5Y-8.08%
OCF growth 1Y-84.56%
OCF growth 3Y-13.3%
OCF growth 5Y-8.08%