CHIMERA INVESTMENT CORP (CIM) Fundamental Analysis & Valuation

NYSE:CIM • US16934Q8024

Current stock price

13.56 USD
+0.13 (+0.97%)
At close:
13.4874 USD
-0.07 (-0.54%)
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.
  • Of the past 5 years CIM 4 years were profitable.
  • CIM had a positive operating cash flow in 4 of the past 5 years.
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 Return On Assets of 0.91%. This is in the better half of the industry: CIM outperforms 63.24% of its industry peers.
  • 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.
  • The Return On Invested Capital of CIM (0.68%) is comparable to the rest of the industry.
  • CIM had an Average Return On Invested Capital over the past 3 years of 0.82%. This 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

  • With a decent Profit Margin value of 18.10%, CIM is doing good in the industry, outperforming 70.59% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CIM has grown nicely.
  • Looking at the Operating Margin, with a value of 15.62%, CIM is in line with its industry, outperforming 57.35% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CIM has declined.
  • CIM has a worse Gross Margin (31.43%) than 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
  • The debt/assets ratio for CIM is higher compared to a year ago.
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 -0.58, we must say that CIM is in the distress zone and has some risk of bankruptcy.
  • CIM has a worse Altman-Z score (-0.58) than 66.18% of its industry peers.
  • CIM has a Debt/Equity ratio of 4.62. This is a high value indicating a heavy dependency on external financing.
  • CIM has a better Debt to Equity ratio (4.62) than 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.
  • Looking at the Quick ratio, with a value of 0.05, CIM is doing worse than 72.06% of the companies in the same industry.
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

  • 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.
  • The earnings per share for CIM have been decreasing by -17.80% on average. This is quite bad
  • 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 12.24% on average per year.
  • Based on estimates for the next years, CIM will show a quite strong growth in Revenue. The Revenue will grow by 10.58% on average per year.
EPS Next Y26.35%
EPS Next 2Y15.88%
EPS Next 3Y12.24%
EPS Next 5YN/A
Revenue Next Year22.38%
Revenue Next 2Y12.16%
Revenue Next 3Y10.58%
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 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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6

4. CIM Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.98 indicates a rather cheap valuation of CIM.
  • Compared to the rest of the industry, the Price/Earnings ratio of CIM indicates a somewhat cheap valuation: CIM is cheaper than 79.41% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CIM to the average of the S&P500 Index (27.18), we can say CIM is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 6.31, the valuation of CIM can be described as very cheap.
  • CIM's Price/Forward Earnings ratio is rather cheap when compared to the industry. CIM is cheaper than 92.65% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.96. CIM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.98
Fwd PE 6.31
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 59.78
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

4

5. CIM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 13.55%, CIM is a good candidate for dividend investing.
  • CIM's Dividend Yield is comparable with the industry average which is at 12.92.
  • Compared to an average S&P500 Dividend Yield of 1.82, CIM pays a better dividend.
Industry RankSector Rank
Dividend Yield 13.55%

5.2 History

  • The dividend of CIM decreases each year by -14.90%.
  • CIM has been paying a dividend for at least 10 years, so it has 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 (4/14/2026, 5:05:00 PM)

After market: 13.4874 -0.07 (-0.54%)

13.56

+0.13 (+0.97%)

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-0.01%
Ins Owners1.84%
Ins Owner Change2.73%
Market Cap1.13B
Revenue(TTM)798.15M
Net Income(TTM)144.47M
Analysts71.11
Price Target15.13 (11.58%)
Short Float %2.52%
Short Ratio2.18
Dividend
Industry RankSector Rank
Dividend Yield 13.55%
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%
EPS NQ rev (3m)3.33%
EPS NY rev (1m)5.54%
EPS NY rev (3m)1.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.73%
Revenue NY rev (1m)6.12%
Revenue NY rev (3m)-0.2%
Valuation
Industry RankSector Rank
PE 7.98
Fwd PE 6.31
P/S 1.42
P/FCF N/A
P/OCF N/A
P/B 0.44
P/tB 0.44
EV/EBITDA 59.78
EPS(TTM)1.7
EY12.54%
EPS(NY)2.15
Fwd EY15.84%
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
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 Year22.38%
Revenue Next 2Y12.16%
Revenue Next 3Y10.58%
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 3 / 10 to CIM.


Can you provide the valuation status for CHIMERA INVESTMENT CORP?

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


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 4 / 10 and the dividend payout ratio is 144.48%.