We assign a fundamental rating of 3 out of 10 to CIM. CIM was compared to 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CIM has a bad profitability rating. Also its financial health evaluation is rather negative. CIM is valued quite cheap, while showing a decent growth score. This is a good combination!

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1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

CIM had positive earnings in the past year.
In the past year CIM has reported a negative cash flow from operations.
Of the past 5 years CIM 4 years were profitable.
Each year in the past 5 years CIM had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of -0.20%, CIM is doing worse than 65.71% of the companies in the same industry.
Looking at the Return On Equity, with a value of -1.18%, CIM is doing worse than 65.71% of the companies in the same industry.
CIM has a better Return On Invested Capital (0.83%) than 75.71% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CIM is in line with the industry average of 1.26%.

		Industry Rank	Sector Rank
ROA	-0.2%
ROE	-1.18%
ROIC	0.83%

ROA(3y)-1.1%

ROA(5y)0.13%

ROE(3y)-5.46%

ROE(5y)0%

ROIC(3y)1.06%

ROIC(5y)1.7%

1.3 Margins

CIM's Profit Margin has declined in the last couple of years.
CIM has a better Operating Margin (18.08%) than 72.86% of its industry peers.
In the last couple of years the Operating Margin of CIM has declined.
CIM has a better Gross Margin (33.41%) than 71.43% of its industry peers.
In the last couple of years the Gross Margin of CIM has declined.

		Industry Rank	Sector Rank
OM	18.08%
PM (TTM)	N/A
GM	33.41%

OM growth 3Y-27.82%

OM growth 5Y-11.26%

PM growth 3Y-41.81%

PM growth 5Y-13.49%

GM growth 3Y-21.29%

GM growth 5Y-6.24%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

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.
The number of shares outstanding for CIM has been increased compared to 1 year ago.
The number of shares outstanding for CIM has been increased compared to 5 years ago.
The debt/assets ratio for CIM has been reduced compared to a year ago.

2.2 Solvency

CIM has an Altman-Z score of -0.50. This is a bad value and indicates that CIM is not financially healthy and even has some risk of bankruptcy.
CIM's Altman-Z score of -0.50 is on the low side compared to the rest of the industry. CIM is outperformed by 64.29% of its industry peers.
CIM has a Debt/Equity ratio of 4.27. This is a high value indicating a heavy dependency on external financing.
CIM has a Debt to Equity ratio (4.27) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	4.27
Debt/FCF	N/A
Altman-Z	-0.5

ROIC/WACC0.17

WACC4.88%

2.3 Liquidity

CIM has a Current 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.
With a Current ratio value of 0.12, CIM perfoms like the industry average, outperforming 41.43% of the companies in the same industry.
A Quick Ratio of 0.12 indicates that CIM may have some problems paying its short term obligations.
CIM's Quick ratio of 0.12 is in line compared to the rest of the industry. CIM outperforms 41.43% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.12
Quick Ratio	0.12

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CIM shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.05%.
Measured over the past years, CIM shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -26.31% on average per year.
CIM shows a small growth in Revenue. In the last year, the Revenue has grown by 5.28%.
The Revenue for CIM have been decreasing by -11.37% on average. This is quite bad

EPS 1Y (TTM)4.05%

EPS 3Y-35.1%

EPS 5Y-26.31%

EPS Q2Q%2.78%

Revenue 1Y (TTM)5.28%

Revenue growth 3Y-8.39%

Revenue growth 5Y-11.37%

Sales Q2Q%-2.17%

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 15.14% on average per year.
The Revenue is expected to grow by 11.18% on average over the next years. This is quite good.

EPS Next Y22.62%

EPS Next 2Y20.63%

EPS Next 3Y15.14%

EPS Next 5YN/A

Revenue Next Year6.23%

Revenue Next 2Y16.46%

Revenue Next 3Y11.18%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.02, the valuation of CIM can be described as reasonable.
Based on the Price/Earnings ratio, CIM is valued cheaply inside the industry as 81.43% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CIM to the average of the S&P500 Index (28.32), we can say CIM is valued rather cheaply.
CIM is valuated cheaply with a Price/Forward Earnings ratio of 5.81.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CIM indicates a rather cheap valuation: CIM is cheaper than 91.43% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, CIM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.02
Fwd PE	5.81

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CIM is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	54.89

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.
CIM's earnings are expected to grow with 15.14% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.35

PEG (5Y)N/A

EPS Next 2Y20.63%

EPS Next 3Y15.14%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 11.42%, CIM is a good candidate for dividend investing.
CIM's Dividend Yield is comparable with the industry average which is at 11.00.
Compared to an average S&P500 Dividend Yield of 1.83, CIM pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	11.42%

5.2 History

The dividend of CIM decreases each year by -17.33%.
CIM has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)-17.33%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

CIM has negative earnings and hence a negative payout ratio. The dividend may be in danger.

DP-682.63%

EPS Next 2Y20.63%

EPS Next 3Y15.14%

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CHIMERA INVESTMENT CORP / CIM FAQ

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

ChartMill assigns a fundamental rating of 3 / 10 to CIM.

What is the valuation status for CIM stock?

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

Can you provide the profitability details for CHIMERA INVESTMENT CORP?

CHIMERA INVESTMENT CORP (CIM) has a profitability rating of 3 / 10.

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

The Price/Earnings (PE) ratio for CHIMERA INVESTMENT CORP (CIM) is 8.02 and the Price/Book (PB) ratio is 0.4.

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%.