CHIMERA INVESTMENT CORP (CIM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CIM - US16934Q8024 - REIT
13.07 USD
+0.03 (+0.23%)
13.1 USD
+0.03 (+0.23%)
Taking everything into account, CIM scores 3 out of 10 in our fundamental rating. CIM was compared to 68 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CIM may be in some trouble as it scores bad on both profitability and health. CIM has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- CIM had positive earnings in the past year.
- CIM had a negative operating cash flow in the past year.
- Of the past 5 years CIM 4 years were profitable.
- In the past 5 years CIM always reported a positive cash flow from operatings.
1.2 Ratios
- CIM has a Return On Assets of -0.20%. This is in the lower half of the industry: CIM underperforms 66.18% of its industry peers.
- With a Return On Equity value of -1.18%, CIM is not doing good in the industry: 66.18% of the companies in the same industry are doing better.
- CIM's Return On Invested Capital of 0.83% is fine compared to the rest of the industry. CIM outperforms 75.00% of its industry peers.
- CIM had an Average Return On Invested Capital over the past 3 years of 1.06%. This is in line with the industry average of 1.28%.
| 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's Operating Margin of 18.08% is fine compared to the rest of the industry. CIM outperforms 72.06% of its industry peers.
- In the last couple of years the Operating Margin of CIM has declined.
- The Gross Margin of CIM (33.41%) is better than 70.59% of its industry peers.
- CIM's Gross Margin has declined in the last couple of years.
| 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%
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
- Compared to 5 years ago, CIM has more shares outstanding
- The debt/assets ratio for CIM has been reduced compared to a year ago.
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.
- Looking at the Altman-Z score, with a value of -0.50, CIM is doing worse than 64.71% of the companies in the same industry.
- A Debt/Equity ratio of 4.27 is on the high side and indicates that CIM has dependencies on debt financing.
- The Debt to Equity ratio of CIM (4.27) 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
WACC4.93%
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.
- CIM has a Current ratio (0.12) which is in line with its industry peers.
- A Quick Ratio of 0.12 indicates that CIM may have some problems paying its short term obligations.
- The Quick ratio of CIM (0.12) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 4.05% 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 -26.31% on average per year.
- Looking at the last year, CIM shows a small growth in Revenue. The Revenue has grown by 5.28% in the last year.
- CIM shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -11.37% yearly.
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
- CIM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.14% yearly.
- Based on estimates for the next years, CIM will show a quite strong growth in Revenue. The Revenue will grow by 8.85% on average per year.
EPS Next Y22.62%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
EPS Next 5YN/A
Revenue Next Year7.21%
Revenue Next 2Y14.13%
Revenue Next 3Y8.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 8.49, the valuation of CIM can be described as reasonable.
- Based on the Price/Earnings ratio, CIM is valued a bit cheaper than the industry average as 77.94% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, CIM is valued rather cheaply.
- The Price/Forward Earnings ratio is 6.15, which indicates a rather cheap valuation of CIM.
- 91.18% of the companies in the same industry are more expensive than CIM, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, CIM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 6.15 |
4.2 Price Multiples
- 85.29% of the companies in the same industry are more expensive than CIM, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 55.29 |
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 15.14% in the coming years.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y20.63%
EPS Next 3Y15.14%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 9.25%, CIM is a good candidate for dividend investing.
- CIM's Dividend Yield is slightly below the industry average, which is at 10.90.
- Compared to an average S&P500 Dividend Yield of 1.91, CIM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.25% |
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
- The earnings of CIM are negative and hence is the payout ratio. CIM will probably not be able to sustain this dividend level.
DP-682.63%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
13.07
+0.03 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06 2025-11-06/bmo
Earnings (Next)02-10 2026-02-10/bmo
Inst Owners55.79%
Inst Owner Change1.39%
Ins Owners1.65%
Ins Owner Change0.19%
Market Cap1.09B
Revenue(TTM)791.98M
Net Income(TTM)-30.31M
Analysts71.11
Price Target14.79 (13.16%)
Short Float %2.55%
Short Ratio2.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 9.25% |
Yearly Dividend2.77
Dividend Growth(5Y)-17.33%
DP-682.63%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-4.92%
PT rev (3m)-6.45%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)8.63%
EPS NY rev (1m)-2.07%
EPS NY rev (3m)-2.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.12%
Revenue NY rev (1m)-5.03%
Revenue NY rev (3m)-3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.49 | ||
| Fwd PE | 6.15 | ||
| P/S | 1.37 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 55.29 |
EPS(TTM)1.54
EY11.78%
EPS(NY)2.12
Fwd EY16.25%
FCF(TTM)-1.16
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS9.52
BVpS30.92
TBVpS30.92
PEG (NY)0.38
PEG (5Y)N/A
Graham Number32.73
Profitability
| Industry Rank | Sector 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)-1.1%
ROA(5y)0.13%
ROE(3y)-5.46%
ROE(5y)0%
ROIC(3y)1.06%
ROIC(5y)1.7%
ROICexc(3y)1.07%
ROICexc(5y)1.73%
ROICexgc(3y)1.08%
ROICexgc(5y)1.74%
ROCE(3y)1.76%
ROCE(5y)2.84%
ROICexgc growth 3Y-27.85%
ROICexgc growth 5Y-7.12%
ROICexc growth 3Y-27.99%
ROICexc growth 5Y-7.16%
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%
F-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 76.53 | ||
| 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
WACC4.93%
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)4.05%
EPS 3Y-35.1%
EPS 5Y-26.31%
EPS Q2Q%2.78%
EPS Next Y22.62%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
EPS Next 5YN/A
Revenue 1Y (TTM)5.28%
Revenue growth 3Y-8.39%
Revenue growth 5Y-11.37%
Sales Q2Q%-2.17%
Revenue Next Year7.21%
Revenue Next 2Y14.13%
Revenue Next 3Y8.85%
Revenue Next 5YN/A
EBIT growth 1Y-11.4%
EBIT growth 3Y-33.87%
EBIT growth 5Y-21.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-146.25%
FCF growth 3Y-26.56%
FCF growth 5Y25.89%
OCF growth 1Y-127.91%
OCF growth 3Y-26.56%
OCF growth 5Y25.89%
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 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 3 / 10.
Can you provide the PE and PB ratios for CIM stock?
The Price/Earnings (PE) ratio for CHIMERA INVESTMENT CORP (CIM) is 8.49 and the Price/Book (PB) ratio is 0.42.
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%.