CHERRY HILL MORTGAGE INVESTM (CHMI) Stock Fundamental Analysis
NYSE:CHMI - New York Stock Exchange, Inc. - US1646511014 - REIT - Currency: USD
Taking everything into account, CHMI scores 4 out of 10 in our fundamental rating. CHMI was compared to 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CHMI has a bad profitability rating. Also its financial health evaluation is rather negative. CHMI is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year CHMI was profitable.
CHMI had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: CHMI reported negative net income in multiple years.
Of the past 5 years CHMI 4 years had a positive operating cash flow.
1.2 Ratios
The Return On Assets of CHMI (0.14%) is worse than 64.62% of its industry peers.
CHMI has a worse Return On Equity (0.90%) than 63.08% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.87%, CHMI is in the better half of the industry, outperforming 70.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.9% | ||
| ROIC | 0.87% |
ROA(3y)-0.74%
ROA(5y)-1.19%
ROE(3y)-4.01%
ROE(5y)-6.23%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CHMI's Profit Margin of 2.02% is on the low side compared to the rest of the industry. CHMI is outperformed by 64.62% of its industry peers.
CHMI's Profit Margin has declined in the last couple of years.
With a decent Operating Margin value of 15.87%, CHMI is doing good in the industry, outperforming 61.54% of the companies in the same industry.
CHMI's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 27.77%, CHMI is doing good in the industry, outperforming 63.08% of the companies in the same industry.
CHMI's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 15.87% | ||
| PM (TTM) | 2.02% | ||
| GM | 27.77% |
OM growth 3Y-17.23%
OM growth 5YN/A
PM growth 3Y-26.59%
PM growth 5YN/A
GM growth 3Y-13.35%
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for CHMI has been increased compared to 1 year ago.
Compared to 5 years ago, CHMI has more shares outstanding
CHMI has a worse debt/assets ratio than last year.
2.2 Solvency
CHMI has an Altman-Z score of -0.97. This is a bad value and indicates that CHMI is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of -0.97, CHMI is not doing good in the industry: 93.85% of the companies in the same industry are doing better.
A Debt/Equity ratio of 5.09 is on the high side and indicates that CHMI has dependencies on debt financing.
CHMI has a Debt to Equity ratio (5.09) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.09 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.97 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
A Current Ratio of 0.05 indicates that CHMI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.05, CHMI is doing worse than 80.00% of the companies in the same industry.
A Quick Ratio of 0.05 indicates that CHMI may have some problems paying its short term obligations.
CHMI has a worse Quick ratio (0.05) than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
3. Growth
3.1 Past
The earnings per share for CHMI have decreased strongly by -44.29% in the last year.
The earnings per share for CHMI have been decreasing by -27.62% on average. This is quite bad
The Revenue has grown by 146.68% in the past year. This is a very strong growth!
The Revenue has been growing by 33.15% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-44.29%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%-41.18%
Revenue 1Y (TTM)146.68%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%249.93%
3.2 Future
CHMI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 25.79% yearly.
The Revenue is expected to grow by 173.12% on average over the next years. This is a very strong growth
EPS Next Y36%
EPS Next 2Y25.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year462.8%
Revenue Next 2Y173.12%
Revenue Next 3YN/A
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 7.59, the valuation of CHMI can be described as very cheap.
CHMI's Price/Earnings ratio is a bit cheaper when compared to the industry. CHMI is cheaper than 80.00% of the companies in the same industry.
CHMI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.88.
The Price/Forward Earnings ratio is 5.58, which indicates a rather cheap valuation of CHMI.
92.31% of the companies in the same industry are more expensive than CHMI, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.20. CHMI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.59 | ||
| Fwd PE | 5.58 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
CHMI's earnings are expected to grow with 25.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y25.79%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 22.39%, CHMI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 14.31, CHMI pays a better dividend. On top of this CHMI pays more dividend than 98.46% of the companies listed in the same industry.
CHMI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.39% |
5.2 History
The dividend of CHMI decreases each year by -18.25%.
CHMI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-18.25%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
1354.88% of the earnings are spent on dividend by CHMI. This is not a sustainable payout ratio.
DP1354.88%
EPS Next 2Y25.79%
EPS Next 3YN/A
NYSE:CHMI (5/1/2025, 12:37:43 PM)
2.96
-0.06 (-1.99%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners16.82%
Inst Owner Change-0.21%
Ins Owners0.72%
Ins Owner Change-0.18%
Market Cap96.67M
Analysts82.22
Price Target4.08 (37.84%)
Short Float %1.57%
Short Ratio1.45
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 22.39% |
Yearly Dividend0.91
Dividend Growth(5Y)-18.25%
DP1354.88%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-34.95%
Min EPS beat(2)-49.4%
Max EPS beat(2)-20.51%
EPS beat(4)0
Avg EPS beat(4)-37.12%
Min EPS beat(4)-49.4%
Max EPS beat(4)-20.51%
EPS beat(8)0
Avg EPS beat(8)-26.43%
EPS beat(12)1
Avg EPS beat(12)-20.07%
EPS beat(16)3
Avg EPS beat(16)-17.47%
Revenue beat(2)2
Avg Revenue beat(2)1104.09%
Min Revenue beat(2)680.17%
Max Revenue beat(2)1528.02%
Revenue beat(4)3
Avg Revenue beat(4)548.7%
Min Revenue beat(4)-106.11%
Max Revenue beat(4)1528.02%
Revenue beat(8)5
Avg Revenue beat(8)274.12%
Revenue beat(12)7
Avg Revenue beat(12)242.84%
Revenue beat(16)9
Avg Revenue beat(16)194.21%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-48.78%
EPS NY rev (1m)0.97%
EPS NY rev (3m)-29.25%
Revenue NQ rev (1m)3.84%
Revenue NQ rev (3m)-90.2%
Revenue NY rev (1m)-80.87%
Revenue NY rev (3m)-80.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.59 | ||
| Fwd PE | 5.58 | ||
| P/S | 0.94 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.42 | ||
| P/tB | 0.42 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.39
EY13.18%
EPS(NY)0.53
Fwd EY17.92%
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.14
OCFYN/A
SpS3.15
BVpS7.05
TBVpS7.05
PEG (NY)0.21
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.14% | ||
| ROE | 0.9% | ||
| ROCE | 4.91% | ||
| ROIC | 0.87% | ||
| ROICexc | 0.9% | ||
| ROICexgc | 0.92% | ||
| OM | 15.87% | ||
| PM (TTM) | 2.02% | ||
| GM | 27.77% | ||
| FCFM | N/A |
ROA(3y)-0.74%
ROA(5y)-1.19%
ROE(3y)-4.01%
ROE(5y)-6.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y1.62%
ROICexcg growth 5YN/A
ROICexc growth 3Y1.54%
ROICexc growth 5YN/A
OM growth 3Y-17.23%
OM growth 5YN/A
PM growth 3Y-26.59%
PM growth 5YN/A
GM growth 3Y-13.35%
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.09 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 0.48 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 | ||
| Altman-Z | -0.97 |
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)-44.29%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%-41.18%
EPS Next Y36%
EPS Next 2Y25.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)146.68%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%249.93%
Revenue Next Year462.8%
Revenue Next 2Y173.12%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y146.66%
EBIT growth 3Y7.04%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-111.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-111.54%
OCF growth 3YN/A
OCF growth 5YN/A