CION INVESTMENT CORP (CION) Fundamental Analysis & Valuation

NYSE:CION • US17259U2042

Current stock price

6.92 USD
-0.17 (-2.4%)
At close:
6.92 USD
0 (0%)
After Hours:

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

2

1. CION Profitability Analysis

1.1 Basic Checks

  • In the past year CION was profitable.
  • CION had a positive operating cash flow in the past year.
  • CION had positive earnings in 4 of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: CION reported negative operating cash flow in multiple years.
CION Yearly Net Income VS EBIT VS OCF VS FCFCION Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -1.11%, CION is doing worse than 76.99% of the companies in the same industry.
  • CION has a Return On Equity of -2.92%. This is in the lower half of the industry: CION underperforms 72.38% of its industry peers.
  • CION's Return On Invested Capital of 4.01% is in line compared to the rest of the industry. CION outperforms 58.16% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for CION is below the industry average of 7.23%.
Industry RankSector Rank
ROA -1.11%
ROE -2.92%
ROIC 4.01%
ROA(3y)1.8%
ROA(5y)2.95%
ROE(3y)4.02%
ROE(5y)6.1%
ROIC(3y)4.06%
ROIC(5y)3.87%
CION Yearly ROA, ROE, ROICCION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10

1.3 Margins

  • CION has a better Operating Margin (38.60%) than 69.46% of its industry peers.
  • In the last couple of years the Operating Margin of CION has declined.
  • CION has a Gross Margin (43.38%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of CION has declined.
Industry RankSector Rank
OM 38.6%
PM (TTM) N/A
GM 43.38%
OM growth 3Y-5.31%
OM growth 5Y-4.36%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.19%
GM growth 5Y-4.08%
CION Yearly Profit, Operating, Gross MarginsCION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60

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3

2. CION Health Analysis

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.
  • Compared to 1 year ago, CION has a worse debt to assets ratio.
CION Yearly Shares OutstandingCION Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
CION Yearly Total Debt VS Total AssetsCION Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • CION has an Altman-Z score of 6.93. This indicates that CION is financially healthy and has little risk of bankruptcy at the moment.
  • CION's Altman-Z score of 6.93 is amongst the best of the industry. CION outperforms 89.54% of its industry peers.
  • CION has a debt to FCF ratio of 14.65. This is a negative value and a sign of low solvency as CION would need 14.65 years to pay back of all of its debts.
  • CION has a Debt to FCF ratio (14.65) which is in line with its industry peers.
  • CION has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.
  • CION has a worse Debt to Equity ratio (1.59) than 71.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF 14.65
Altman-Z 6.93
ROIC/WACCN/A
WACCN/A
CION Yearly LT Debt VS Equity VS FCFCION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • CION has a Current Ratio of 0.64. This is a bad value and indicates that CION is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.64, CION is doing worse than 70.71% of the companies in the same industry.
  • A Quick Ratio of 0.64 indicates that CION may have some problems paying its short term obligations.
  • The Quick ratio of CION (0.64) is worse than 70.29% of its industry peers.
Industry RankSector Rank
Current Ratio 0.64
Quick Ratio 0.64
CION Yearly Current Assets VS Current LiabilitesCION Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CION Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 1.14% over the past year.
  • CION shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.30% yearly.
  • The Revenue has decreased by -4.60% in the past year.
  • Measured over the past years, CION shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)1.14%
EPS 3Y4.3%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)-4.6%
Revenue growth 3Y7.31%
Revenue growth 5Y8.01%
Sales Q2Q%-7.09%

3.2 Future

  • The Earnings Per Share is expected to decrease by -22.58% on average over the next years. This is quite bad
  • Based on estimates for the next years, CION will show a very negative growth in Revenue. The Revenue will decrease by -11.58% on average per year.
EPS Next Y-24.01%
EPS Next 2Y-22.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-17.69%
Revenue Next 2Y-15.08%
Revenue Next 3Y-11.58%
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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
CION Yearly Revenue VS EstimatesCION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 50M 100M 150M 200M 250M
CION Yearly EPS VS EstimatesCION Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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5

4. CION Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.91, which indicates a rather cheap valuation of CION.
  • 89.96% of the companies in the same industry are more expensive than CION, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.78, CION is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 5.14, the valuation of CION can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, CION is valued cheaper than 91.63% of the companies in the same industry.
  • CION's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.54.
Industry RankSector Rank
PE 3.91
Fwd PE 5.14
CION Price Earnings VS Forward Price EarningsCION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CION's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 166.74
EV/EBITDA N/A
CION Per share dataCION EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

  • CION's earnings are expected to decrease with -22.58% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-22.58%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. CION Dividend Analysis

5.1 Amount

  • CION has a Yearly Dividend Yield of 5.97%, which is a nice return.
  • In the last 3 months the price of CION has falen by -28.07%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • CION's Dividend Yield is comparable with the industry average which is at 6.89.
  • CION's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 5.97%

5.2 History

  • The dividend of CION decreases each year by -7.50%.
  • CION has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-7.5%
Div Incr Years0
Div Non Decr Years0
CION Yearly Dividends per shareCION Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • The earnings of CION are negative and hence is the payout ratio. CION will probably not be able to sustain this dividend level.
  • The Dividend Rate of CION has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP-378.19%
EPS Next 2Y-22.58%
EPS Next 3YN/A
CION Yearly Income VS Free CF VS DividendCION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 2025 0 100M -100M

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CION Fundamentals: All Metrics, Ratios and Statistics

CION INVESTMENT CORP

NYSE:CION (4/10/2026, 8:12:43 PM)

After market: 6.92 0 (0%)

6.92

-0.17 (-2.4%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-12
Earnings (Next)05-06
Inst Owners39.11%
Inst Owner Change0%
Ins Owners0.46%
Ins Owner Change0%
Market Cap12.81B
Revenue(TTM)240.82M
Net Income(TTM)-20.63M
Analysts47.5
Price Target9.35 (35.12%)
Short Float %0.04%
Short Ratio1.32
Dividend
Industry RankSector Rank
Dividend Yield 5.97%
Yearly Dividend1.49
Dividend Growth(5Y)-7.5%
DP-378.19%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-12
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)58.95%
Min EPS beat(2)1.12%
Max EPS beat(2)116.78%
EPS beat(4)3
Avg EPS beat(4)28.73%
Min EPS beat(4)-5.79%
Max EPS beat(4)116.78%
EPS beat(8)6
Avg EPS beat(8)19.81%
EPS beat(12)8
Avg EPS beat(12)18.91%
EPS beat(16)12
Avg EPS beat(16)18.43%
Revenue beat(2)2
Avg Revenue beat(2)24.3%
Min Revenue beat(2)2.09%
Max Revenue beat(2)46.51%
Revenue beat(4)3
Avg Revenue beat(4)12.39%
Min Revenue beat(4)-3.98%
Max Revenue beat(4)46.51%
Revenue beat(8)7
Avg Revenue beat(8)10.93%
Revenue beat(12)10
Avg Revenue beat(12)10.66%
Revenue beat(16)14
Avg Revenue beat(16)10.25%
PT rev (1m)-14.06%
PT rev (3m)-14.06%
EPS NQ rev (1m)-11.97%
EPS NQ rev (3m)-11.97%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.68%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)-3.4%
Valuation
Industry RankSector Rank
PE 3.91
Fwd PE 5.14
P/S 53.2
P/FCF 166.74
P/OCF 166.74
P/B 18.1
P/tB 18.1
EV/EBITDA N/A
EPS(TTM)1.77
EY25.58%
EPS(NY)1.35
Fwd EY19.44%
FCF(TTM)0.04
FCFY0.6%
OCF(TTM)0.04
OCFY0.6%
SpS0.13
BVpS0.38
TBVpS0.38
PEG (NY)N/A
PEG (5Y)N/A
Graham Number3.9
Profitability
Industry RankSector Rank
ROA -1.11%
ROE -2.92%
ROCE 5.07%
ROIC 4.01%
ROICexc 4.02%
ROICexgc 4.02%
OM 38.6%
PM (TTM) N/A
GM 43.38%
FCFM 31.9%
ROA(3y)1.8%
ROA(5y)2.95%
ROE(3y)4.02%
ROE(5y)6.1%
ROIC(3y)4.06%
ROIC(5y)3.87%
ROICexc(3y)4.08%
ROICexc(5y)3.92%
ROICexgc(3y)4.08%
ROICexgc(5y)3.92%
ROCE(3y)5.14%
ROCE(5y)4.9%
ROICexgc growth 3Y0.24%
ROICexgc growth 5Y0.35%
ROICexc growth 3Y0.24%
ROICexc growth 5Y0.35%
OM growth 3Y-5.31%
OM growth 5Y-4.36%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-5.19%
GM growth 5Y-4.08%
F-Score6
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF 14.65
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.09
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.64
Quick Ratio 0.64
Altman-Z 6.93
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)1.14%
EPS 3Y4.3%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y-24.01%
EPS Next 2Y-22.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.6%
Revenue growth 3Y7.31%
Revenue growth 5Y8.01%
Sales Q2Q%-7.09%
Revenue Next Year-17.69%
Revenue Next 2Y-15.08%
Revenue Next 3Y-11.58%
Revenue Next 5YN/A
EBIT growth 1Y-3.14%
EBIT growth 3Y1.61%
EBIT growth 5Y3.31%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-12.88%
FCF growth 3Y29.6%
FCF growth 5Y-17.31%
OCF growth 1Y-12.88%
OCF growth 3Y29.6%
OCF growth 5Y-17.31%

CION INVESTMENT CORP / CION Fundamental Analysis FAQ

What is the fundamental rating for CION stock?

ChartMill assigns a fundamental rating of 3 / 10 to CION.


Can you provide the valuation status for CION INVESTMENT CORP?

ChartMill assigns a valuation rating of 5 / 10 to CION INVESTMENT CORP (CION). This can be considered as Fairly Valued.


What is the profitability of CION stock?

CION INVESTMENT CORP (CION) has a profitability rating of 2 / 10.


What is the valuation of CION INVESTMENT CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CION INVESTMENT CORP (CION) is 3.91 and the Price/Book (PB) ratio is 18.1.


What is the earnings growth outlook for CION INVESTMENT CORP?

The Earnings per Share (EPS) of CION INVESTMENT CORP (CION) is expected to decline by -24.01% in the next year.