CHIMERA INVESTMENT CORP (CIM) Fundamental Analysis & Valuation

NYSE:CIM • US16934Q8024

13.15 USD
-0.23 (-1.72%)
At close: Mar 12, 2026
13.15 USD
0 (0%)
After Hours: 3/12/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CIM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

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 is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. CIM Profitability Analysis

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.
  • 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.
  • With a Return On Equity value of 5.62%, CIM perfoms like the industry average, outperforming 55.88% of the companies in the same industry.
  • CIM has a Return On Invested Capital (0.68%) which is in line with 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 1.41%.
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.
  • CIM's Profit Margin has improved in the last couple of years.
  • The Operating Margin of CIM (15.62%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of CIM has declined.
  • CIM has a Gross Margin of 31.43%. This is comparable to the rest of the industry: CIM outperforms 47.06% of its industry peers.
  • In the last couple of years the Gross Margin of CIM has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. CIM Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIM is destroying value.
  • Compared to 1 year ago, CIM has more shares outstanding
  • The number of shares outstanding for CIM has been increased compared to 5 years ago.
  • 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 -0.59, we must say that CIM is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CIM (-0.59) is worse than 70.59% of its industry peers.
  • A Debt/Equity ratio of 4.62 is on the high side and indicates that CIM has dependencies on debt financing.
  • The Debt to Equity ratio of CIM (4.62) is better than 61.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.62
Debt/FCF N/A
Altman-Z -0.59
ROIC/WACC0.14
WACC4.71%
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

  • 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 73.53% of its industry peers.
  • A Quick Ratio of 0.05 indicates that CIM may have some problems paying its short term obligations.
  • The Quick ratio of CIM (0.05) is worse than 73.53% of its industry peers.
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

  • The Earnings Per Share has grown by an nice 16.44% over the past year.
  • The earnings per share for CIM have been decreasing by -17.80% on average. This is quite bad
  • The Revenue has been growing slightly by 5.61% in the past year.
  • 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

  • CIM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.76% yearly.
  • The Revenue is expected to grow by 9.33% on average over the next years. This is quite good.
EPS Next Y19.71%
EPS Next 2Y12.76%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year15.32%
Revenue Next 2Y9.33%
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.
  • 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.
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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7

4. CIM Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.74, the valuation of CIM can be described as very cheap.
  • Based on the Price/Earnings ratio, CIM is valued cheaper than 80.88% of the companies in the same industry.
  • CIM is valuated cheaply when we compare the Price/Earnings ratio to 25.71, which is the current average of the S&P500 Index.
  • CIM is valuated cheaply with a Price/Forward Earnings ratio of 6.46.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CIM indicates a rather cheap valuation: CIM is cheaper than 88.24% of the companies listed in the same industry.
  • CIM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.82.
Industry RankSector Rank
PE 7.74
Fwd PE 6.46
CIM Price Earnings VS Forward Price EarningsCIM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CIM indicates a somewhat cheap valuation: CIM is cheaper than 75.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 59.6
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.
  • CIM's earnings are expected to grow with 12.76% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.39
PEG (5Y)N/A
EPS Next 2Y12.76%
EPS Next 3YN/A

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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 9.29%, CIM is a good candidate for dividend investing.
  • CIM's Dividend Yield is slightly below the industry average, which is at 11.52.
  • CIM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 9.29%

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.
Dividend Growth(5Y)-14.9%
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

  • 144.48% of the earnings are spent on dividend by CIM. This is not a sustainable payout ratio.
DP144.48%
EPS Next 2Y12.76%
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
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 (3/12/2026, 8:04:00 PM)

After market: 13.15 0 (0%)

13.15

-0.23 (-1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-11
Earnings (Next)05-06
Inst Owners57.89%
Inst Owner Change5.1%
Ins Owners1.84%
Ins Owner Change2.73%
Market Cap1.10B
Revenue(TTM)798.15M
Net Income(TTM)144.47M
Analysts71.11
Price Target15.13 (15.06%)
Short Float %2.41%
Short Ratio2.11
Dividend
Industry RankSector Rank
Dividend Yield 9.29%
Yearly Dividend2.54
Dividend Growth(5Y)-14.9%
DP144.48%
Div Incr Years0
Div Non Decr Years0
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)2.3%
PT rev (3m)-2.73%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)-3.88%
EPS NY rev (1m)-4.2%
EPS NY rev (3m)-6.28%
Revenue NQ rev (1m)-4.79%
Revenue NQ rev (3m)-4.79%
Revenue NY rev (1m)-9.67%
Revenue NY rev (3m)-5.95%
Valuation
Industry RankSector Rank
PE 7.74
Fwd PE 6.46
P/S 1.37
P/FCF N/A
P/OCF N/A
P/B 0.43
P/tB 0.43
EV/EBITDA 59.6
EPS(TTM)1.7
EY12.93%
EPS(NY)2.04
Fwd EY15.48%
FCF(TTM)-3.44
FCFYN/A
OCF(TTM)-2.98
OCFYN/A
SpS9.57
BVpS30.85
TBVpS30.85
PEG (NY)0.39
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 0.72%
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-20.75%
ROICexgc growth 5Y-22.9%
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 -0.59
F-Score5
WACC4.71%
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 Y19.71%
EPS Next 2Y12.76%
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 Year15.32%
Revenue Next 2Y9.33%
Revenue Next 3YN/A
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 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 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 4 / 10.


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

The Price/Earnings (PE) ratio for CHIMERA INVESTMENT CORP (CIM) is 7.74 and the Price/Book (PB) ratio is 0.43.


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%.