CHIMERA INVESTMENT CORP (CIM) Fundamental Analysis & Valuation

NYSE:CIM • US16934Q8024

Current stock price

13.57 USD
+0.23 (+1.72%)
At close:
13.51 USD
-0.06 (-0.44%)
After Hours:

This CIM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. CIM Profitability Analysis

1.1 Basic Checks

  • In the past year CIM was profitable.
  • In the past year CIM has reported a negative cash flow from operations.
  • CIM had positive earnings in 4 of the past 5 years.
  • Of the past 5 years CIM 4 years had a positive operating cash flow.
CIM Yearly Net Income VS EBIT VS OCF VS FCFCIM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.91%, CIM is in the better half of the industry, outperforming 63.24% of the companies in the same industry.
  • CIM's Return On Equity of 5.62% is in line compared to the rest of the industry. CIM outperforms 55.88% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.68%, CIM is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for CIM is in line with the industry average of 1.29%.
Industry RankSector Rank
ROA 0.91%
ROE 5.62%
ROIC 0.68%
ROA(3y)0.67%
ROA(5y)0.3%
ROE(3y)3.75%
ROE(5y)1.04%
ROIC(3y)0.82%
ROIC(5y)1.32%
CIM Yearly ROA, ROE, ROICCIM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 -20

1.3 Margins

  • CIM has a better Profit Margin (18.10%) than 70.59% of its industry peers.
  • In the last couple of years the Profit Margin of CIM has grown nicely.
  • With a Operating Margin value of 15.62%, CIM perfoms like the industry average, outperforming 57.35% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CIM has declined.
  • CIM's Gross Margin of 31.43% is on the low side compared to the rest of the industry. CIM is outperformed by 60.29% of its industry peers.
  • CIM's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 15.62%
PM (TTM) 18.1%
GM 31.43%
OM growth 3Y-22.61%
OM growth 5Y-19.82%
PM growth 3YN/A
PM growth 5Y70.35%
GM growth 3Y-12.54%
GM growth 5Y-10.18%
CIM Yearly Profit, Operating, Gross MarginsCIM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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0

2. CIM Health Analysis

2.1 Basic Checks

  • CIM has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, CIM has more shares outstanding
  • Compared to 5 years ago, CIM has more shares outstanding
  • CIM has a worse debt/assets ratio than last year.
CIM Yearly Shares OutstandingCIM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CIM Yearly Total Debt VS Total AssetsCIM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B 25B

2.2 Solvency

  • CIM has an Altman-Z score of -0.58. This is a bad value and indicates that CIM is not financially healthy and even has some risk of bankruptcy.
  • CIM has a Altman-Z score of -0.58. This is in the lower half of the industry: CIM underperforms 66.18% of its industry peers.
  • A Debt/Equity ratio of 4.62 is on the high side and indicates that CIM has dependencies on debt financing.
  • CIM has a Debt to Equity ratio of 4.62. This is in the better half of the industry: CIM outperforms 61.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.62
Debt/FCF N/A
Altman-Z -0.58
ROIC/WACC0.14
WACC4.75%
CIM Yearly LT Debt VS Equity VS FCFCIM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that CIM may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.05, CIM is doing worse than 72.06% of the companies in the same industry.
  • CIM has a Quick Ratio of 0.05. This is a bad value and indicates that CIM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of CIM (0.05) is worse than 72.06% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
CIM Yearly Current Assets VS Current LiabilitesCIM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. CIM Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.44% over the past year.
  • Measured over the past years, CIM shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -17.80% on average per year.
  • The Revenue has been growing slightly by 5.61% in the past year.
  • CIM shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.79% yearly.
EPS 1Y (TTM)16.44%
EPS 3Y-19.34%
EPS 5Y-17.8%
EPS Q2Q%43.24%
Revenue 1Y (TTM)5.61%
Revenue growth 3Y4.64%
Revenue growth 5Y-7.79%
Sales Q2Q%0.54%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.24% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.24% on average over the next years. This is quite good.
EPS Next Y26.35%
EPS Next 2Y15.88%
EPS Next 3Y12.24%
EPS Next 5YN/A
Revenue Next Year22.17%
Revenue Next 2Y11.89%
Revenue Next 3Y10.24%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
CIM Yearly Revenue VS EstimatesCIM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
CIM Yearly EPS VS EstimatesCIM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

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7

4. CIM Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.98, the valuation of CIM can be described as very cheap.
  • Based on the Price/Earnings ratio, CIM is valued cheaper than 80.88% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of CIM to the average of the S&P500 Index (27.42), we can say CIM is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.32, which indicates a rather cheap valuation of CIM.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CIM indicates a rather cheap valuation: CIM is cheaper than 89.71% of the companies listed in the same industry.
  • CIM is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.98
Fwd PE 6.32
CIM Price Earnings VS Forward Price EarningsCIM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CIM is valued a bit cheaper than the industry average as 77.94% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 59.72
CIM Per share dataCIM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as CIM's earnings are expected to grow with 12.24% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y15.88%
EPS Next 3Y12.24%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. CIM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.47%, CIM is a good candidate for dividend investing.
  • CIM's Dividend Yield is a higher than the industry average which is at 12.70.
  • CIM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 13.47%

5.2 History

  • The dividend of CIM decreases each year by -14.90%.
  • CIM has paid a dividend for at least 10 years, which is a reliable track record.
  • CIM has decreased its dividend recently.
Dividend Growth(5Y)-14.9%
Div Incr Years1
Div Non Decr Years1
CIM Yearly Dividends per shareCIM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

5.3 Sustainability

  • CIM pays out 144.48% of its income as dividend. This is not a sustainable payout ratio.
DP144.48%
EPS Next 2Y15.88%
EPS Next 3Y12.24%
CIM Yearly Income VS Free CF VS DividendCIM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M -400M
CIM Dividend Payout.CIM Dividend Payout, showing the Payout Ratio.CIM Dividend Payout.PayoutRetained Earnings

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CIM Fundamentals: All Metrics, Ratios and Statistics

CHIMERA INVESTMENT CORP

NYSE:CIM (4/24/2026, 7:00:00 PM)

After market: 13.51 -0.06 (-0.44%)

13.57

+0.23 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners58.25%
Inst Owner Change-0.52%
Ins Owners1.84%
Ins Owner Change2.73%
Market Cap1.13B
Revenue(TTM)798.15M
Net Income(TTM)144.47M
Analysts71.11
Price Target15.13 (11.5%)
Short Float %2.52%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 13.47%
Yearly Dividend2.54
Dividend Growth(5Y)-14.9%
DP144.48%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-8.51%
Min EPS beat(2)-20.93%
Max EPS beat(2)3.91%
EPS beat(4)1
Avg EPS beat(4)-11.97%
Min EPS beat(4)-20.93%
Max EPS beat(4)3.91%
EPS beat(8)1
Avg EPS beat(8)-16.68%
EPS beat(12)1
Avg EPS beat(12)-19.66%
EPS beat(16)2
Avg EPS beat(16)-18.35%
Revenue beat(2)0
Avg Revenue beat(2)-27.4%
Min Revenue beat(2)-30.7%
Max Revenue beat(2)-24.11%
Revenue beat(4)0
Avg Revenue beat(4)-21.02%
Min Revenue beat(4)-30.7%
Max Revenue beat(4)-9.79%
Revenue beat(8)0
Avg Revenue beat(8)-15.63%
Revenue beat(12)0
Avg Revenue beat(12)-17%
Revenue beat(16)4
Avg Revenue beat(16)-2.05%
PT rev (1m)0%
PT rev (3m)2.3%
EPS NQ rev (1m)0.64%
EPS NQ rev (3m)4%
EPS NY rev (1m)5.54%
EPS NY rev (3m)1.11%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)0.75%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 7.98
Fwd PE 6.32
P/S 1.42
P/FCF N/A
P/OCF N/A
P/B 0.44
P/tB 0.44
EV/EBITDA 59.72
EPS(TTM)1.7
EY12.53%
EPS(NY)2.15
Fwd EY15.83%
FCF(TTM)-3.44
FCFYN/A
OCF(TTM)-2.98
OCFYN/A
SpS9.57
BVpS30.85
TBVpS30.85
PEG (NY)0.3
PEG (5Y)N/A
Graham Number34.35 (153.13%)
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 5.62%
ROCE 1.48%
ROIC 0.68%
ROICexc 0.69%
ROICexgc 0.71%
OM 15.62%
PM (TTM) 18.1%
GM 31.43%
FCFM N/A
ROA(3y)0.67%
ROA(5y)0.3%
ROE(3y)3.75%
ROE(5y)1.04%
ROIC(3y)0.82%
ROIC(5y)1.32%
ROICexc(3y)0.83%
ROICexc(5y)1.35%
ROICexgc(3y)0.84%
ROICexgc(5y)1.36%
ROCE(3y)1.46%
ROCE(5y)2.25%
ROICexgc growth 3Y-20.82%
ROICexgc growth 5Y-22.94%
ROICexc growth 3Y-21.28%
ROICexc growth 5Y-23.3%
OM growth 3Y-22.61%
OM growth 5Y-19.82%
PM growth 3YN/A
PM growth 5Y70.35%
GM growth 3Y-12.54%
GM growth 5Y-10.18%
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 4.62
Debt/FCF N/A
Debt/EBITDA 90.08
Cap/Depr 532.1%
Cap/Sales 4.79%
Interest Coverage 0.23
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.58
F-Score5
WACC4.75%
ROIC/WACC0.14
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)16.44%
EPS 3Y-19.34%
EPS 5Y-17.8%
EPS Q2Q%43.24%
EPS Next Y26.35%
EPS Next 2Y15.88%
EPS Next 3Y12.24%
EPS Next 5YN/A
Revenue 1Y (TTM)5.61%
Revenue growth 3Y4.64%
Revenue growth 5Y-7.79%
Sales Q2Q%0.54%
Revenue Next Year22.17%
Revenue Next 2Y11.89%
Revenue Next 3Y10.24%
Revenue Next 5YN/A
EBIT growth 1Y-17.21%
EBIT growth 3Y-19.02%
EBIT growth 5Y-26.07%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-239.59%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-221.01%
OCF growth 3YN/A
OCF growth 5YN/A

CHIMERA INVESTMENT CORP / CIM Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CHIMERA INVESTMENT CORP?

ChartMill assigns a fundamental rating of 4 / 10 to CIM.


Can you provide the valuation status for CHIMERA INVESTMENT CORP?

ChartMill assigns a valuation rating of 7 / 10 to CHIMERA INVESTMENT CORP (CIM). This can be considered as Undervalued.


What is the profitability of CIM stock?

CHIMERA INVESTMENT CORP (CIM) has a profitability rating of 4 / 10.


How financially healthy is CHIMERA INVESTMENT CORP?

The financial health rating of CHIMERA INVESTMENT CORP (CIM) is 0 / 10.


Can you provide the dividend sustainability for CIM stock?

The dividend rating of CHIMERA INVESTMENT CORP (CIM) is 5 / 10 and the dividend payout ratio is 144.48%.