CHIMERA INVESTMENT CORP (CIM) Stock Fundamental Analysis

NYSE:CIM • US16934Q8024

13.67 USD
-0.05 (-0.36%)
Last: Mar 3, 2026, 12:05 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

CIM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. While CIM is still in line with the averages on profitability rating, there are concerns on its financial health. CIM has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year CIM was profitable.
  • In the past year CIM has reported a negative cash flow from operations.
  • Of the past 5 years CIM 4 years were profitable.
  • 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

  • CIM has a worse Return On Assets (-0.20%) than 72.06% of its industry peers.
  • CIM's Return On Equity of -1.18% is on the low side compared to the rest of the industry. CIM is outperformed by 72.06% of its industry peers.
  • CIM has a better Return On Invested Capital (0.83%) than 73.53% of its industry peers.
  • CIM had an Average Return On Invested Capital over the past 3 years of 0.81%. This is in line with the industry average of 1.22%.
  • The 3 year average ROIC (0.81%) for CIM is below the current ROIC(0.83%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -0.2%
ROE -1.18%
ROIC 0.83%
ROA(3y)0.67%
ROA(5y)0.3%
ROE(3y)3.75%
ROE(5y)1.04%
ROIC(3y)0.81%
ROIC(5y)1.31%
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

  • In the last couple of years the Profit Margin of CIM has grown nicely.
  • The Operating Margin of CIM (18.08%) is better than 70.59% of its industry peers.
  • In the last couple of years the Operating Margin of CIM has declined.
  • Looking at the Gross Margin, with a value of 33.41%, CIM is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
  • CIM's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 18.08%
PM (TTM) N/A
GM 33.41%
OM growth 3Y-22.32%
OM growth 5Y-19.65%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CIM is destroying value.
  • Compared to 1 year ago, CIM has more shares outstanding
  • CIM has more shares outstanding than it did 5 years ago.
  • 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

  • Based on the Altman-Z score of -0.50, we must say that CIM is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CIM (-0.50) is worse than 60.29% of its industry peers.
  • A Debt/Equity ratio of 4.27 is on the high side and indicates that CIM has dependencies on debt financing.
  • CIM's Debt to Equity ratio of 4.27 is fine compared to the rest of the industry. CIM outperforms 61.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.27
Debt/FCF N/A
Altman-Z -0.5
ROIC/WACC0.17
WACC4.96%
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 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.12 indicates that CIM may have some problems paying its short term obligations.
  • CIM's Current ratio of 0.12 is in line compared to the rest of the industry. CIM outperforms 42.65% of its industry peers.
  • CIM has a Quick Ratio of 0.12. This is a bad value and indicates that CIM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CIM has a Quick ratio (0.12) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
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. Growth

3.1 Past

  • CIM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.44%, which is quite good.
  • 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.
  • CIM shows a small growth in Revenue. In the last year, the Revenue has grown by 5.61%.
  • The Revenue has been decreasing by -7.79% on average over the past years.
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

  • Based on estimates for the next years, CIM will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.50% on average per year.
  • The Revenue is expected to grow by 13.74% on average over the next years. This is quite good.
EPS Next Y24.96%
EPS Next 2Y14.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.67%
Revenue Next 2Y13.74%
Revenue Next 3YN/A
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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 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 2 4 6

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.04, which indicates a very decent valuation of CIM.
  • CIM's Price/Earnings ratio is rather cheap when compared to the industry. CIM is cheaper than 80.88% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, CIM is valued rather cheaply.
  • CIM is valuated cheaply with a Price/Forward Earnings ratio of 6.43.
  • CIM's Price/Forward Earnings ratio is rather cheap when compared to the industry. CIM is cheaper than 89.71% of the companies in the same industry.
  • CIM is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.04
Fwd PE 6.43
CIM Price Earnings VS Forward Price EarningsCIM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CIM Per share dataCIM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • CIM's 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 14.50% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y14.5%
EPS Next 3YN/A

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

4

5. Dividend

5.1 Amount

  • CIM has a Yearly Dividend Yield of 8.92%, which is a nice return.
  • With a Dividend Yield of 8.92, CIM pays less dividend than the industry average, which is at 11.14. 85.29% of the companies listed in the same industry pay a better dividend than CIM!
  • Compared to an average S&P500 Dividend Yield of 1.82, CIM pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.92%

5.2 History

  • The dividend of CIM decreases each year by -17.33%.
  • CIM has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-17.33%
Div Incr Years0
Div Non Decr Years0
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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-682.63%
EPS Next 2Y14.5%
EPS Next 3YN/A
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

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Find the best dividend stocksShow peers with best dividend

CHIMERA INVESTMENT CORP

NYSE:CIM (3/3/2026, 12:05:07 PM)

13.67

-0.05 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners55.79%
Inst Owner Change5.12%
Ins Owners1.65%
Ins Owner Change2.73%
Market Cap1.14B
Revenue(TTM)798.15M
Net Income(TTM)-30.31M
Analysts71.11
Price Target15.13 (10.68%)
Short Float %2.41%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 8.92%
Yearly Dividend2.77
Dividend Growth(5Y)-17.33%
DP-682.63%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.19%
Min EPS beat(2)-20.93%
Max EPS beat(2)-15.44%
EPS beat(4)0
Avg EPS beat(4)-18.38%
Min EPS beat(4)-21.72%
Max EPS beat(4)-15.43%
EPS beat(8)0
Avg EPS beat(8)-20.42%
EPS beat(12)0
Avg EPS beat(12)-24.36%
EPS beat(16)2
Avg EPS beat(16)-17.42%
Revenue beat(2)0
Avg Revenue beat(2)-21.8%
Min Revenue beat(2)-24.11%
Max Revenue beat(2)-19.49%
Revenue beat(4)0
Avg Revenue beat(4)-17.34%
Min Revenue beat(4)-24.11%
Max Revenue beat(4)-9.79%
Revenue beat(8)0
Avg Revenue beat(8)-14.15%
Revenue beat(12)1
Avg Revenue beat(12)-10.59%
Revenue beat(16)5
Avg Revenue beat(16)3.25%
PT rev (1m)2.3%
PT rev (3m)-4.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.42%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.18%
Valuation
Industry RankSector Rank
PE 8.04
Fwd PE 6.43
P/S 1.44
P/FCF N/A
P/OCF N/A
P/B 0.44
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)1.7
EY12.44%
EPS(NY)2.12
Fwd EY15.54%
FCF(TTM)-1.16
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS9.52
BVpS30.92
TBVpS30.92
PEG (NY)0.32
PEG (5Y)N/A
Graham Number34.39
Profitability
Industry RankSector Rank
ROA -0.2%
ROE -1.18%
ROCE 1.65%
ROIC 0.83%
ROICexc 0.87%
ROICexgc 0.88%
OM 18.08%
PM (TTM) N/A
GM 33.41%
FCFM N/A
ROA(3y)0.67%
ROA(5y)0.3%
ROE(3y)3.75%
ROE(5y)1.04%
ROIC(3y)0.81%
ROIC(5y)1.31%
ROICexc(3y)0.82%
ROICexc(5y)1.34%
ROICexgc(3y)0.83%
ROICexgc(5y)1.35%
ROCE(3y)1.41%
ROCE(5y)2.22%
ROICexgc growth 3Y-22.52%
ROICexgc growth 5Y-23.93%
ROICexc growth 3Y-23.09%
ROICexc growth 5Y-24.37%
OM growth 3Y-22.32%
OM growth 5Y-19.65%
PM growth 3YN/A
PM growth 5Y70.35%
GM growth 3Y-12.54%
GM growth 5Y-10.18%
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 4.27
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.28
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.5
F-Score3
WACC4.96%
ROIC/WACC0.17
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 Y24.96%
EPS Next 2Y14.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.61%
Revenue growth 3Y4.64%
Revenue growth 5Y-7.79%
Sales Q2Q%0.54%
Revenue Next Year27.67%
Revenue Next 2Y13.74%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.4%
EBIT growth 3Y-18.72%
EBIT growth 5Y-25.9%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-148.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-129.22%
OCF growth 3YN/A
OCF growth 5YN/A

CHIMERA INVESTMENT CORP / CIM FAQ

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

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


What is the valuation status for CIM stock?

ChartMill assigns a valuation rating of 6 / 10 to CHIMERA INVESTMENT CORP (CIM). This can be considered as Fairly Valued.


Can you provide the profitability details for CHIMERA INVESTMENT CORP?

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


Can you provide the PE and PB ratios for CIM stock?

The Price/Earnings (PE) ratio for CHIMERA INVESTMENT CORP (CIM) is 8.04 and the Price/Book (PB) ratio is 0.44.


Can you provide the dividend sustainability for CIM stock?

The dividend rating of CHIMERA INVESTMENT CORP (CIM) is 4 / 10 and the dividend payout ratio is -682.63%.