CION INVESTMENT CORP (CION) Fundamental Analysis & Valuation

NYSE:CION • US17259U2042

Current stock price

7.535 USD
+0.07 (+0.87%)
Last:

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.
  • 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.
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

  • CION has a worse Return On Assets (-1.11%) than 76.25% of its industry peers.
  • CION's Return On Equity of -2.92% is on the low side compared to the rest of the industry. CION is outperformed by 71.67% of its industry peers.
  • The Return On Invested Capital of CION (4.01%) is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for CION is below the industry average of 7.28%.
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 69.17% of its industry peers.
  • CION's Operating Margin has declined in the last couple of years.
  • CION has a Gross Margin (43.38%) which is in line with its industry peers.
  • CION's Gross Margin has declined in the last couple of years.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CION Health Analysis

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.
  • The debt/assets ratio for CION is higher compared to a year ago.
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

  • Based on the Altman-Z score of 0.26, we must say that CION is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.26, CION is doing worse than 70.00% of the companies in the same industry.
  • 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 of 14.65. This is comparable to the rest of the industry: CION outperforms 57.08% of 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 Debt to Equity ratio of 1.59. This is in the lower half of the industry: CION underperforms 71.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF 14.65
Altman-Z 0.26
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

  • A Current Ratio of 0.64 indicates that CION may have some problems paying its short term obligations.
  • CION's Current ratio of 0.64 is on the low side compared to the rest of the industry. CION is outperformed by 70.42% of its industry peers.
  • CION has a Quick 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.
  • CION has a worse Quick ratio (0.64) than 70.00% 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

  • CION shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.14%.
  • The Earnings Per Share has been growing slightly by 4.30% on average over the past years.
  • Looking at the last year, CION shows a decrease in Revenue. The Revenue has decreased by -4.60% in the last 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

  • Based on estimates for the next years, CION will show a very negative growth in Earnings Per Share. The EPS will decrease by -17.34% on average per year.
  • The Revenue is expected to decrease by -11.58% on average over the next years. This is quite bad
EPS Next Y-33.31%
EPS Next 2Y-23.39%
EPS Next 3Y-17.34%
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

  • The EPS growth rate is decreasing: in the next years the growth will be less 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 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 2028 0.5 1 1.5

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6

4. CION Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 4.26, the valuation of CION can be described as very cheap.
  • Based on the Price/Earnings ratio, CION is valued cheaper than 88.75% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.47. CION is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.38 indicates a rather cheap valuation of CION.
  • 89.17% of the companies in the same industry are more expensive than CION, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, CION is valued rather cheaply.
Industry RankSector Rank
PE 4.26
Fwd PE 6.38
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CION indicates a rather cheap valuation: CION is cheaper than 87.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.95
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 earnings are expected to decrease with -17.34% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-23.39%
EPS Next 3Y-17.34%

More info and screens

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

4

5. CION Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 5.31%, CION is a good candidate for dividend investing.
  • In the last 3 months the price of CION has falen by -20.36%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 6.46, CION has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, CION pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.31%

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 has negative earnings and hence a negative payout ratio. The dividend may be in danger.
  • 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-23.39%
EPS Next 3Y-17.34%
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 (4/24/2026, 2:30:57 PM)

7.535

+0.07 (+0.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners39.87%
Inst Owner Change0.26%
Ins Owners0.5%
Ins Owner Change0%
Market Cap380.52M
Revenue(TTM)240.82M
Net Income(TTM)-20.63M
Analysts47.5
Price Target9.35 (24.09%)
Short Float %1.26%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 5.31%
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)0%
EPS NQ rev (3m)-11.97%
EPS NY rev (1m)-12.24%
EPS NY rev (3m)-12.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
Industry RankSector Rank
PE 4.26
Fwd PE 6.38
P/S 1.58
P/FCF 4.95
P/OCF 4.95
P/B 0.54
P/tB 0.54
EV/EBITDA N/A
EPS(TTM)1.77
EY23.49%
EPS(NY)1.18
Fwd EY15.67%
FCF(TTM)1.52
FCFY20.19%
OCF(TTM)1.52
OCFY20.19%
SpS4.77
BVpS14.01
TBVpS14.01
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.623 (213.51%)
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 0.26
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-33.31%
EPS Next 2Y-23.39%
EPS Next 3Y-17.34%
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 2 / 10 to CION.


Can you provide the valuation status for CION INVESTMENT CORP?

ChartMill assigns a valuation rating of 6 / 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 4.26 and the Price/Book (PB) ratio is 0.54.


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 -33.31% in the next year.