CHIMERA INVESTMENT CORP (CIM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CIM - US16934Q8024 - REIT
12.98 USD
-0.41 (-3.06%)
12.98 USD
0 (0%)
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. Both the profitability and financial health of CIM have multiple concerns. CIM has a correct valuation and a medium growth rate.
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
- CIM has a worse Return On Assets (-0.20%) than 66.18% of its industry peers.
- The Return On Equity of CIM (-1.18%) is worse than 66.18% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.83%, CIM is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for CIM 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 has a Operating Margin of 18.08%. This is in the better half of the industry: CIM outperforms 72.06% 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 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIM is destroying value.
- The number of shares outstanding for CIM has been increased compared to 1 year ago.
- CIM has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CIM has an improved debt to assets ratio.
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.
- With a Altman-Z score value of -0.50, CIM is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 4.27 is on the high side and indicates that CIM has dependencies on debt financing.
- CIM has a Debt to Equity ratio of 4.27. This is comparable to the rest of the industry: CIM outperforms 58.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.5 |
ROIC/WACC0.17
WACC4.93%
2.3 Liquidity
- A Current Ratio of 0.12 indicates that CIM may have some problems paying its short term obligations.
- The Current ratio of CIM (0.12) is comparable to the rest of the 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 41.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.12 | ||
| Quick Ratio | 0.12 |
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%.
- Measured over the past years, CIM shows a very negative growth in Revenue. The Revenue has been decreasing by -11.37% on average per year.
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 8.85% 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 Year7.21%
Revenue Next 2Y14.13%
Revenue Next 3Y8.85%
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. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.43, the valuation of CIM can be described as very reasonable.
- Based on the Price/Earnings ratio, CIM is valued a bit cheaper than 79.41% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 26.94, CIM is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 6.11, the valuation of CIM can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CIM indicates a rather cheap valuation: CIM is cheaper than 91.18% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of CIM to the average of the S&P500 Index (23.94), we can say CIM is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 6.11 |
4.2 Price Multiples
- CIM's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. CIM is cheaper than 85.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 55.26 |
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)0.37
PEG (5Y)N/A
EPS Next 2Y20.63%
EPS Next 3Y15.14%
5. Dividend
5.1 Amount
- CIM has a Yearly Dividend Yield of 8.87%, which is a nice return.
- Compared to an average industry Dividend Yield of 11.01, CIM's dividend is way lower than its industry peers. On top of this 83.82% of the companies listed in the same industry pay a better dividend than CIM!
- Compared to an average S&P500 Dividend Yield of 1.83, CIM pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.87% |
5.2 History
- The dividend of CIM decreases each year by -17.33%.
- CIM has paid a dividend for at least 10 years, which is 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%
12.98
-0.41 (-3.06%)
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 Change1.4%
Ins Owners1.65%
Ins Owner Change0.19%
Market Cap1.08B
Revenue(TTM)791.98M
Net Income(TTM)-30.31M
Analysts71.11
Price Target14.79 (13.94%)
Short Float %2.46%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.87% |
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%
EPS NQ rev (3m)-0.98%
EPS NY rev (1m)-2.07%
EPS NY rev (3m)-2.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)-5.03%
Revenue NY rev (3m)-3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 6.11 | ||
| P/S | 1.36 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | 55.26 |
EPS(TTM)1.54
EY11.86%
EPS(NY)2.12
Fwd EY16.37%
FCF(TTM)-1.16
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS9.52
BVpS30.92
TBVpS30.92
PEG (NY)0.37
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 8.43 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%.