CION INVESTMENT CORP (CION) Stock Fundamental Analysis

NYSE:CION • US17259U2042

8.64 USD
-0.02 (-0.23%)
At close: Feb 13, 2026
8.67 USD
+0.03 (+0.35%)
After Hours: 2/13/2026, 7:58:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CION. CION was compared to 238 industry peers in the Capital Markets industry. Both the profitability and financial health of CION have multiple concerns. CION is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

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 0 100M -100M

1.2 Ratios

  • CION has a Return On Assets of 1.38%. This is in the lower half of the industry: CION underperforms 63.87% of its industry peers.
  • Looking at the Return On Equity, with a value of 3.36%, CION is doing worse than 65.55% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 3.99%, CION is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • CION had an Average Return On Invested Capital over the past 3 years of 4.00%. This is below the industry average of 7.23%.
Industry RankSector Rank
ROA 1.38%
ROE 3.36%
ROIC 3.99%
ROA(3y)3.06%
ROA(5y)3.03%
ROE(3y)6.88%
ROE(5y)6.43%
ROIC(3y)4%
ROIC(5y)3.85%
CION Yearly ROA, ROE, ROICCION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 5 10

1.3 Margins

  • CION's Profit Margin of 10.59% is on the low side compared to the rest of the industry. CION is outperformed by 61.76% of its industry peers.
  • In the last couple of years the Profit Margin of CION has declined.
  • CION has a Operating Margin of 38.16%. This is in the better half of the industry: CION outperforms 69.75% of its industry peers.
  • CION's Operating Margin has declined in the last couple of years.
  • CION has a Gross Margin of 42.94%. This is comparable to the rest of the industry: CION outperforms 44.96% of its industry peers.
  • CION's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 38.16%
PM (TTM) 10.59%
GM 42.94%
OM growth 3Y-7.11%
OM growth 5Y-2.62%
PM growth 3Y-43.77%
PM growth 5Y-12.21%
GM growth 3Y-8.4%
GM growth 5Y-1.98%
CION Yearly Profit, Operating, Gross MarginsCION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • Compared to 1 year ago, CION has less shares outstanding
  • CION has less shares outstanding than it did 5 years ago.
  • CION has a worse debt/assets ratio than last year.
CION Yearly Shares OutstandingCION Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B

2.2 Solvency

  • CION has an Altman-Z score of 0.35. This is a bad value and indicates that CION is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.35, CION is doing worse than 65.55% of the companies in the same industry.
  • The Debt to FCF ratio of CION is 21.36, which is on the high side as it means it would take CION, 21.36 years of fcf income to pay off all of its debts.
  • CION's Debt to FCF ratio of 21.36 is in line compared to the rest of the industry. CION outperforms 56.72% of its industry peers.
  • A Debt/Equity ratio of 1.40 is on the high side and indicates that CION has dependencies on debt financing.
  • CION's Debt to Equity ratio of 1.40 is on the low side compared to the rest of the industry. CION is outperformed by 67.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.4
Debt/FCF 21.36
Altman-Z 0.35
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • CION has a Current Ratio of 0.37. This is a bad value and indicates that CION is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CION has a worse Current ratio (0.37) than 76.89% of its industry peers.
  • A Quick Ratio of 0.37 indicates that CION may have some problems paying its short term obligations.
  • CION's Quick ratio of 0.37 is on the low side compared to the rest of the industry. CION is outperformed by 76.47% of its industry peers.
Industry RankSector Rank
Current Ratio 0.37
Quick Ratio 0.37
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 20M 40M 60M 80M

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

1

3. Growth

3.1 Past

  • The earnings per share for CION have decreased by -1.67% in the last year.
  • The Earnings Per Share has been decreasing by -7.01% on average over the past years.
  • Looking at the last year, CION shows a decrease in Revenue. The Revenue has decreased by -3.78% in the last year.
  • Measured over the past years, CION shows a small growth in Revenue. The Revenue has been growing by 4.65% on average per year.
EPS 1Y (TTM)-1.67%
EPS 3Y-32.85%
EPS 5Y-7.01%
EPS Q2Q%85%
Revenue 1Y (TTM)-3.78%
Revenue growth 3Y17.08%
Revenue growth 5Y4.65%
Sales Q2Q%32.01%

3.2 Future

  • Based on estimates for the next years, CION will show a very negative growth in Earnings Per Share. The EPS will decrease by -15.37% on average per year.
  • CION is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -11.11% yearly.
EPS Next Y2.84%
EPS Next 2Y-12.33%
EPS Next 3Y-15.37%
EPS Next 5YN/A
Revenue Next Year-4.07%
Revenue Next 2Y-11.23%
Revenue Next 3Y-11.11%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CION Yearly Revenue VS EstimatesCION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 4.88, the valuation of CION can be described as very cheap.
  • CION's Price/Earnings ratio is rather cheap when compared to the industry. CION is cheaper than 91.18% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.97. CION is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 6.42, the valuation of CION can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, CION is valued cheaper than 90.76% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. CION is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 4.88
Fwd PE 6.42
CION Price Earnings VS Forward Price EarningsCION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • 81.93% of the companies in the same industry are more expensive than CION, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.84
EV/EBITDA N/A
CION Per share dataCION EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10

4.3 Compensation for Growth

  • CION's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A cheap valuation may be justified as CION's earnings are expected to decrease with -15.37% in the coming years.
PEG (NY)1.72
PEG (5Y)N/A
EPS Next 2Y-12.33%
EPS Next 3Y-15.37%

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

4

5. Dividend

5.1 Amount

  • CION has a Yearly Dividend Yield of 4.56%, which is a nice return.
  • Compared to an average industry Dividend Yield of 6.15, CION has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.79, CION pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.56%

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

  • CION pays out 303.09% 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.
DP303.09%
EPS Next 2Y-12.33%
EPS Next 3Y-15.37%
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 0 100M -100M
CION Dividend Payout.CION Dividend Payout, showing the Payout Ratio.CION Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CION INVESTMENT CORP

NYSE:CION (2/13/2026, 7:58:51 PM)

After market: 8.67 +0.03 (+0.35%)

8.64

-0.02 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)11-06
Earnings (Next)03-12
Inst Owners38.98%
Inst Owner Change-3.11%
Ins Owners0.46%
Ins Owner Change0.19%
Market Cap446.43M
Revenue(TTM)244.92M
Net Income(TTM)25.95M
Analysts47.5
Price Target10.88 (25.93%)
Short Float %0.53%
Short Ratio0.69
Dividend
Industry RankSector Rank
Dividend Yield 4.56%
Yearly Dividend1.67
Dividend Growth(5Y)-7.5%
DP303.09%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)55.49%
Min EPS beat(2)-5.79%
Max EPS beat(2)116.78%
EPS beat(4)2
Avg EPS beat(4)27.96%
Min EPS beat(4)-5.79%
Max EPS beat(4)116.78%
EPS beat(8)5
Avg EPS beat(8)18.98%
EPS beat(12)8
Avg EPS beat(12)20.52%
EPS beat(16)11
Avg EPS beat(16)18.06%
Revenue beat(2)1
Avg Revenue beat(2)21.26%
Min Revenue beat(2)-3.98%
Max Revenue beat(2)46.51%
Revenue beat(4)3
Avg Revenue beat(4)13.09%
Min Revenue beat(4)-3.98%
Max Revenue beat(4)46.51%
Revenue beat(8)7
Avg Revenue beat(8)10.78%
Revenue beat(12)10
Avg Revenue beat(12)11.33%
Revenue beat(16)13
Avg Revenue beat(16)9.86%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.8%
EPS NY rev (1m)0%
EPS NY rev (3m)30.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)2.68%
Revenue NY rev (3m)11.44%
Valuation
Industry RankSector Rank
PE 4.88
Fwd PE 6.42
P/S 1.82
P/FCF 8.84
P/OCF 8.84
P/B 0.58
P/tB 0.58
EV/EBITDA N/A
EPS(TTM)1.77
EY20.49%
EPS(NY)1.35
Fwd EY15.57%
FCF(TTM)0.98
FCFY11.31%
OCF(TTM)0.98
OCFY11.31%
SpS4.74
BVpS14.95
TBVpS14.95
PEG (NY)1.72
PEG (5Y)N/A
Graham Number24.4
Profitability
Industry RankSector Rank
ROA 1.38%
ROE 3.36%
ROCE 5.05%
ROIC 3.99%
ROICexc 4%
ROICexgc 4%
OM 38.16%
PM (TTM) 10.59%
GM 42.94%
FCFM 20.62%
ROA(3y)3.06%
ROA(5y)3.03%
ROE(3y)6.88%
ROE(5y)6.43%
ROIC(3y)4%
ROIC(5y)3.85%
ROICexc(3y)4.07%
ROICexc(5y)3.91%
ROICexgc(3y)4.07%
ROICexgc(5y)3.91%
ROCE(3y)5.06%
ROCE(5y)4.88%
ROICexgc growth 3Y5.57%
ROICexgc growth 5Y0.49%
ROICexc growth 3Y5.57%
ROICexc growth 5Y0.49%
OM growth 3Y-7.11%
OM growth 5Y-2.62%
PM growth 3Y-43.77%
PM growth 5Y-12.21%
GM growth 3Y-8.4%
GM growth 5Y-1.98%
F-Score4
Asset Turnover0.13
Health
Industry RankSector Rank
Debt/Equity 1.4
Debt/FCF 21.36
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.07
Cash Conversion N/A
Profit Quality 194.62%
Current Ratio 0.37
Quick Ratio 0.37
Altman-Z 0.35
F-Score4
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)-1.67%
EPS 3Y-32.85%
EPS 5Y-7.01%
EPS Q2Q%85%
EPS Next Y2.84%
EPS Next 2Y-12.33%
EPS Next 3Y-15.37%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.78%
Revenue growth 3Y17.08%
Revenue growth 5Y4.65%
Sales Q2Q%32.01%
Revenue Next Year-4.07%
Revenue Next 2Y-11.23%
Revenue Next 3Y-11.11%
Revenue Next 5YN/A
EBIT growth 1Y-5.58%
EBIT growth 3Y8.76%
EBIT growth 5Y1.91%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y124.44%
FCF growth 3YN/A
FCF growth 5Y-6.89%
OCF growth 1Y124.44%
OCF growth 3YN/A
OCF growth 5Y-6.89%

CION INVESTMENT CORP / CION FAQ

What is the fundamental rating for CION stock?

ChartMill assigns a fundamental rating of 2 / 10 to CION.


Can you provide the valuation status for CION INVESTMENT CORP?

ChartMill assigns a valuation rating of 7 / 10 to CION INVESTMENT CORP (CION). This can be considered as Undervalued.


Can you provide the profitability details for CION INVESTMENT CORP?

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


How financially healthy is CION INVESTMENT CORP?

The financial health rating of CION INVESTMENT CORP (CION) is 1 / 10.


What is the earnings growth outlook for CION INVESTMENT CORP?

The Earnings per Share (EPS) of CION INVESTMENT CORP (CION) is expected to grow by 2.84% in the next year.