CION INVESTMENT CORP (CION) Stock Fundamental Analysis
NYSE:CION - New York Stock Exchange, Inc. - US17259U2042 - Common Stock - Currency: USD
Taking everything into account, CION scores 4 out of 10 in our fundamental rating. CION was compared to 223 industry peers in the Capital Markets industry. CION has only an average score on both its financial health and profitability. CION is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
CION had positive earnings in the past year.
In the past year CION had a positive cash flow from operations.
Of the past 5 years CION 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: CION reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.15%, CION is in the better half of the industry, outperforming 61.01% of the companies in the same industry.
With a Return On Equity value of 9.47%, CION perfoms like the industry average, outperforming 55.05% of the companies in the same industry.
With a Return On Invested Capital value of 4.13%, CION perfoms like the industry average, outperforming 52.29% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for CION is below the industry average of 6.71%.
The last Return On Invested Capital (4.13%) for CION is above the 3 year average (3.80%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.15% | ||
| ROE | 9.47% | ||
| ROIC | 4.13% |
ROA(3y)4.7%
ROA(5y)3.26%
ROE(3y)9.76%
ROE(5y)6.69%
ROIC(3y)3.8%
ROIC(5y)3.83%
1.3 Margins
CION's Profit Margin of 31.21% is fine compared to the rest of the industry. CION outperforms 74.77% of its industry peers.
In the last couple of years the Profit Margin of CION has grown nicely.
CION has a better Operating Margin (38.89%) than 66.97% of its industry peers.
In the last couple of years the Operating Margin of CION has declined.
The Gross Margin of CION (43.39%) is worse than 64.22% of its industry peers.
CION's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 38.89% | ||
| PM (TTM) | 31.21% | ||
| GM | 43.39% |
OM growth 3Y-4.64%
OM growth 5Y-2.7%
PM growth 3YN/A
PM growth 5Y17.94%
GM growth 3Y-4.63%
GM growth 5Y-2.57%
2. Health
2.1 Basic Checks
The number of shares outstanding for CION has been reduced compared to 1 year ago.
The number of shares outstanding for CION has been reduced compared to 5 years ago.
The debt/assets ratio for CION is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.53, we must say that CION is in the distress zone and has some risk of bankruptcy.
CION has a worse Altman-Z score (0.53) than 66.51% of its industry peers.
CION has a debt to FCF ratio of 13.71. This is a negative value and a sign of low solvency as CION would need 13.71 years to pay back of all of its debts.
CION's Debt to FCF ratio of 13.71 is in line compared to the rest of the industry. CION outperforms 48.62% of its industry peers.
CION has a Debt/Equity ratio of 1.26. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of CION (1.26) is worse than 64.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.26 | ||
| Debt/FCF | 13.71 | ||
| Altman-Z | 0.53 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 2.79 indicates that CION has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.79, CION is doing good in the industry, outperforming 76.61% of the companies in the same industry.
A Quick Ratio of 2.79 indicates that CION has no problem at all paying its short term obligations.
The Quick ratio of CION (2.79) is better than 76.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.79 | ||
| Quick Ratio | 2.79 |
3. Growth
3.1 Past
The earnings per share for CION have decreased by -7.69% in the last year.
The Earnings Per Share has been growing by 25.95% on average over the past years. This is a very strong growth
CION shows a small growth in Revenue. In the last year, the Revenue has grown by 3.25%.
Measured over the past years, CION shows a small growth in Revenue. The Revenue has been growing by 5.94% on average per year.
EPS 1Y (TTM)-7.69%
EPS 3YN/A
EPS 5Y25.95%
EPS Q2Q%-27.27%
Revenue 1Y (TTM)3.25%
Revenue growth 3Y15.29%
Revenue growth 5Y5.94%
Sales Q2Q%-11.72%
3.2 Future
CION is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -9.72% yearly.
The Revenue is expected to decrease by -6.63% on average over the next years.
EPS Next Y-5.26%
EPS Next 2Y-13.35%
EPS Next 3Y-9.72%
EPS Next 5YN/A
Revenue Next Year-0.21%
Revenue Next 2Y-8.35%
Revenue Next 3Y-6.63%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.46, which indicates a rather cheap valuation of CION.
Based on the Price/Earnings ratio, CION is valued cheaply inside the industry as 89.91% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of CION to the average of the S&P500 Index (28.12), we can say CION is valued rather cheaply.
The Price/Forward Earnings ratio is 8.07, which indicates a very decent valuation of CION.
Based on the Price/Forward Earnings ratio, CION is valued cheaply inside the industry as 86.70% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of CION to the average of the S&P500 Index (94.77), we can say CION is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 8.07 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CION is valued a bit cheaper than the industry average as 76.15% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.05 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A cheap valuation may be justified as CION's earnings are expected to decrease with -9.72% in the coming years.
PEG (NY)N/A
PEG (5Y)0.25
EPS Next 2Y-13.35%
EPS Next 3Y-9.72%
5. Dividend
5.1 Amount
CION has a Yearly Dividend Yield of 12.47%, which is a nice return.
Compared to an average industry Dividend Yield of 9.42, CION pays a better dividend. On top of this CION pays more dividend than 80.28% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.29, CION pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.47% |
5.2 History
The dividend of CION decreases each year by -7.50%.
CION has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-7.5%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
CION pays out 115.15% of its income as dividend. This is not a sustainable payout ratio.
The Dividend Rate of CION has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP115.15%
EPS Next 2Y-13.35%
EPS Next 3Y-9.72%
CION INVESTMENT CORP
NYSE:CION (2/7/2025, 8:19:40 PM)
After market: 11.63 0 (0%)11.63
+0.14 (+1.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners34.5%
Inst Owner Change-4.22%
Ins Owners0.36%
Ins Owner Change2.72%
Market Cap619.76M
Analysts77.78
Price Target12.75 (9.63%)
Short Float %0.58%
Short Ratio1.1
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 12.47% |
Yearly Dividend1.68
Dividend Growth(5Y)-7.5%
DP115.15%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.88%
Min EPS beat(2)0.55%
Max EPS beat(2)3.2%
EPS beat(4)3
Avg EPS beat(4)10%
Min EPS beat(4)-5.5%
Max EPS beat(4)41.74%
EPS beat(8)6
Avg EPS beat(8)16.8%
EPS beat(12)9
Avg EPS beat(12)14.76%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)3.5%
Min Revenue beat(2)2.54%
Max Revenue beat(2)4.46%
Revenue beat(4)4
Avg Revenue beat(4)8.46%
Min Revenue beat(4)0.84%
Max Revenue beat(4)25.99%
Revenue beat(8)7
Avg Revenue beat(8)10.45%
Revenue beat(12)10
Avg Revenue beat(12)8.78%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-14.63%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.93%
Revenue NQ rev (1m)0.83%
Revenue NQ rev (3m)-2.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.46 | ||
| Fwd PE | 8.07 | ||
| P/S | 2.43 | ||
| P/FCF | 8.05 | ||
| P/OCF | 8.05 | ||
| P/B | 0.74 | ||
| P/tB | 0.74 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.8
EY15.48%
EPS(NY)1.44
Fwd EY12.4%
FCF(TTM)1.44
FCFY12.42%
OCF(TTM)1.44
OCFY12.42%
SpS4.78
BVpS15.75
TBVpS15.75
PEG (NY)N/A
PEG (5Y)0.25
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.15% | ||
| ROE | 9.47% | ||
| ROCE | 5.23% | ||
| ROIC | 4.13% | ||
| ROICexc | 4.19% | ||
| ROICexgc | 4.19% | ||
| OM | 38.89% | ||
| PM (TTM) | 31.21% | ||
| GM | 43.39% | ||
| FCFM | 30.24% |
ROA(3y)4.7%
ROA(5y)3.26%
ROE(3y)9.76%
ROE(5y)6.69%
ROIC(3y)3.8%
ROIC(5y)3.83%
ROICexc(3y)3.87%
ROICexc(5y)3.89%
ROICexgc(3y)3.87%
ROICexgc(5y)3.89%
ROCE(3y)4.81%
ROCE(5y)4.85%
ROICexcg growth 3Y2.4%
ROICexcg growth 5Y2.02%
ROICexc growth 3Y2.4%
ROICexc growth 5Y2.02%
OM growth 3Y-4.64%
OM growth 5Y-2.7%
PM growth 3YN/A
PM growth 5Y17.94%
GM growth 3Y-4.63%
GM growth 5Y-2.57%
F-Score6
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.26 | ||
| Debt/FCF | 13.71 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.09 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 96.89% | ||
| Current Ratio | 2.79 | ||
| Quick Ratio | 2.79 | ||
| Altman-Z | 0.53 |
F-Score6
WACCN/A
ROIC/WACCN/A
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)-7.69%
EPS 3YN/A
EPS 5Y25.95%
EPS Q2Q%-27.27%
EPS Next Y-5.26%
EPS Next 2Y-13.35%
EPS Next 3Y-9.72%
EPS Next 5YN/A
Revenue 1Y (TTM)3.25%
Revenue growth 3Y15.29%
Revenue growth 5Y5.94%
Sales Q2Q%-11.72%
Revenue Next Year-0.21%
Revenue Next 2Y-8.35%
Revenue Next 3Y-6.63%
Revenue Next 5YN/A
EBIT growth 1Y-7.81%
EBIT growth 3Y9.94%
EBIT growth 5Y3.08%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y389.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y389.36%
OCF growth 3YN/A
OCF growth 5YN/A