CHIMERA INVESTMENT CORP (CIM) Fundamental Analysis & Valuation
NYSE:CIM • US16934Q8024
Current stock price
13.68 USD
+0.12 (+0.88%)
At close:
13.68 USD
0 (0%)
After Hours:
This CIM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
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.
- Of the past 5 years CIM 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CIM (0.91%) is better than 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.
- The Average Return On Invested Capital over the past 3 years for CIM is in line with the industry average of 1.29%.
| Industry Rank | Sector 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%
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.
- CIM's Profit Margin has improved in the last couple of years.
- CIM's Operating Margin of 15.62% is in line compared to the rest of the industry. CIM outperforms 57.35% of its industry peers.
- 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 Rank | Sector 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%
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.
- CIM has more shares outstanding than it did 1 year ago.
- CIM has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CIM has a worse debt to assets ratio.
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.
- CIM has a Debt/Equity ratio of 4.62. This is a high value indicating a heavy dependency on external 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.62 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.58 |
ROIC/WACC0.14
WACC4.76%
2.3 Liquidity
- CIM has a Current 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.
- CIM's Current ratio of 0.05 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 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.
- CIM's Quick ratio of 0.05 is on the low side compared to the rest of the industry. CIM is outperformed by 72.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
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
- Looking at the last year, CIM shows a small growth in Revenue. The Revenue has grown by 5.61% in the last 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
- CIM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.24% yearly.
- 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.
- 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. CIM Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.05, the valuation of CIM can be described as very reasonable.
- 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.38, CIM is valued rather cheaply.
- With a Price/Forward Earnings ratio of 6.37, the valuation of CIM can be described as very cheap.
- Based on the Price/Forward Earnings ratio, CIM is valued cheaply inside the industry as 92.65% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 38.20. CIM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CIM is valued a bit cheaper than 77.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 59.94 |
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 12.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y15.88%
EPS Next 3Y12.24%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 13.55% |
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
5.3 Sustainability
- 144.48% of the earnings are spent on dividend by CIM. This is not a sustainable payout ratio.
DP144.48%
EPS Next 2Y15.88%
EPS Next 3Y12.24%
CIM Fundamentals: All Metrics, Ratios and Statistics
13.68
+0.12 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11 2026-02-11/bmo
Earnings (Next)05-06 2026-05-06/bmo
Inst Owners58.25%
Inst Owner Change-0.01%
Ins Owners1.84%
Ins Owner Change2.73%
Market Cap1.14B
Revenue(TTM)798.15M
Net Income(TTM)144.47M
Analysts71.11
Price Target15.13 (10.6%)
Short Float %2.52%
Short Ratio2.18
Dividend
| Industry Rank | Sector 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 2026-03-31 (0.45)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.05 | ||
| Fwd PE | 6.37 | ||
| P/S | 1.43 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.44 | ||
| P/tB | 0.44 | ||
| EV/EBITDA | 59.94 |
EPS(TTM)1.7
EY12.43%
EPS(NY)2.15
Fwd EY15.7%
FCF(TTM)-3.44
FCFYN/A
OCF(TTM)-2.98
OCFYN/A
SpS9.57
BVpS30.85
TBVpS30.85
PEG (NY)0.31
PEG (5Y)N/A
Graham Number34.35 (151.1%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC4.76%
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%.