CHIMERA INVESTMENT CORP (CIM) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CIM • US16934Q8024

12.33 USD
-0.02 (-0.16%)
At close: Feb 2, 2026
12.33 USD
0 (0%)
After Hours: 2/2/2026, 8:04:00 PM
Fundamental Rating

3

Overall CIM gets a fundamental rating of 3 out of 10. We evaluated CIM against 70 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CIM may be in some trouble as it scores bad on both profitability and health. CIM is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • CIM had positive earnings in the past year.
  • In the past year CIM has reported a negative cash flow from operations.
  • Of the past 5 years CIM 4 years were profitable.
  • Each year in the past 5 years CIM had a positive operating cash flow.
CIM Yearly Net Income VS EBIT VS OCF VS FCFCIM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M 600M

1.2 Ratios

  • CIM has a Return On Assets of -0.20%. This is in the lower half of the industry: CIM underperforms 65.71% of its industry peers.
  • Looking at the Return On Equity, with a value of -1.18%, CIM is doing worse than 65.71% of the companies in the same industry.
  • CIM has a Return On Invested Capital of 0.83%. This is in the better half of the industry: CIM outperforms 75.71% of its industry peers.
  • CIM had an Average Return On Invested Capital over the past 3 years of 1.06%. This is in line with the industry average of 1.26%.
Industry RankSector Rank
ROA -0.2%
ROE -1.18%
ROIC 0.83%
ROA(3y)-1.1%
ROA(5y)0.13%
ROE(3y)-5.46%
ROE(5y)0%
ROIC(3y)1.06%
ROIC(5y)1.7%
CIM Yearly ROA, ROE, ROICCIM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • In the last couple of years the Profit Margin of CIM has declined.
  • Looking at the Operating Margin, with a value of 18.08%, CIM is in the better half of the industry, outperforming 72.86% of the companies in the same industry.
  • CIM's Operating Margin has declined in the last couple of years.
  • CIM has a better Gross Margin (33.41%) than 71.43% of its industry peers.
  • In the last couple of years the Gross Margin of CIM has declined.
Industry RankSector Rank
OM 18.08%
PM (TTM) N/A
GM 33.41%
OM growth 3Y-27.82%
OM growth 5Y-11.26%
PM growth 3Y-41.81%
PM growth 5Y-13.49%
GM growth 3Y-21.29%
GM growth 5Y-6.24%
CIM Yearly Profit, Operating, Gross MarginsCIM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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1

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIM is destroying value.
  • The number of shares outstanding for CIM has been increased compared to 1 year ago.
  • Compared to 5 years ago, CIM has more shares outstanding
  • The debt/assets ratio for CIM has been reduced compared to a year ago.
CIM Yearly Shares OutstandingCIM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
CIM Yearly Total Debt VS Total AssetsCIM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B 25B

2.2 Solvency

  • CIM has an Altman-Z score of -0.50. This is a bad value and indicates that CIM is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of CIM (-0.50) is worse than 64.29% of its industry peers.
  • CIM has a Debt/Equity ratio of 4.27. This is a high value indicating a heavy dependency on external financing.
  • CIM has a Debt to Equity ratio of 4.27. This is comparable to the rest of the industry: CIM outperforms 60.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.27
Debt/FCF N/A
Altman-Z -0.5
ROIC/WACC0.17
WACC4.88%
CIM Yearly LT Debt VS Equity VS FCFCIM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.12 indicates that CIM may have some problems paying its short term obligations.
  • With a Current ratio value of 0.12, CIM perfoms like the industry average, outperforming 41.43% of the companies in the same industry.
  • CIM has a Quick Ratio of 0.12. This is a bad value and indicates that CIM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CIM has a Quick ratio (0.12) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
CIM Yearly Current Assets VS Current LiabilitesCIM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B

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4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.05% over the past year.
  • Measured over the past years, CIM shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -26.31% on average per year.
  • Looking at the last year, CIM shows a small growth in Revenue. The Revenue has grown by 5.28% in the last year.
  • The Revenue for CIM have been decreasing by -11.37% on average. This is quite bad
EPS 1Y (TTM)4.05%
EPS 3Y-35.1%
EPS 5Y-26.31%
EPS Q2Q%2.78%
Revenue 1Y (TTM)5.28%
Revenue growth 3Y-8.39%
Revenue growth 5Y-11.37%
Sales Q2Q%-2.17%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.14% on average over the next years. This is quite good.
  • Based on estimates for the next years, CIM will show a quite strong growth in Revenue. The Revenue will grow by 11.18% on average per year.
EPS Next Y22.62%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
EPS Next 5YN/A
Revenue Next Year6.23%
Revenue Next 2Y16.46%
Revenue Next 3Y11.18%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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 accelerating.
CIM Yearly Revenue VS EstimatesCIM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
CIM Yearly EPS VS EstimatesCIM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

  • CIM is valuated reasonably with a Price/Earnings ratio of 8.01.
  • Compared to the rest of the industry, the Price/Earnings ratio of CIM indicates a somewhat cheap valuation: CIM is cheaper than 80.00% of the companies listed in the same industry.
  • CIM's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.41.
  • CIM is valuated cheaply with a Price/Forward Earnings ratio of 5.80.
  • Based on the Price/Forward Earnings ratio, CIM is valued cheaply inside the industry as 91.43% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.64, CIM is valued rather cheaply.
Industry RankSector Rank
PE 8.01
Fwd PE 5.8
CIM Price Earnings VS Forward Price EarningsCIM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, CIM is valued cheaper than 85.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 54.88
CIM Per share dataCIM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

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.
  • CIM's earnings are expected to grow with 15.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y20.63%
EPS Next 3Y15.14%

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4

5. Dividend

5.1 Amount

  • CIM has a Yearly Dividend Yield of 11.42%, which is a nice return.
  • CIM's Dividend Yield is comparable with the industry average which is at 11.04.
  • CIM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 11.42%

5.2 History

  • The dividend of CIM decreases each year by -17.33%.
  • CIM has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-17.33%
Div Incr Years0
Div Non Decr Years0
CIM Yearly Dividends per shareCIM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1 2 3 4 5

5.3 Sustainability

  • CIM has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-682.63%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
CIM Yearly Income VS Free CF VS DividendCIM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M 400M -400M

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CHIMERA INVESTMENT CORP

NYSE:CIM (2/2/2026, 8:04:00 PM)

After market: 12.33 0 (0%)

12.33

-0.02 (-0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)02-10
Inst Owners55.79%
Inst Owner Change2.33%
Ins Owners1.65%
Ins Owner Change5.63%
Market Cap1.03B
Revenue(TTM)791.98M
Net Income(TTM)-30.31M
Analysts71.11
Price Target14.79 (19.95%)
Short Float %2.46%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 11.42%
Yearly Dividend2.77
Dividend Growth(5Y)-17.33%
DP-682.63%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-18.19%
Min EPS beat(2)-20.93%
Max EPS beat(2)-15.44%
EPS beat(4)0
Avg EPS beat(4)-18.38%
Min EPS beat(4)-21.72%
Max EPS beat(4)-15.43%
EPS beat(8)0
Avg EPS beat(8)-20.42%
EPS beat(12)0
Avg EPS beat(12)-24.36%
EPS beat(16)2
Avg EPS beat(16)-17.42%
Revenue beat(2)0
Avg Revenue beat(2)-21.8%
Min Revenue beat(2)-24.11%
Max Revenue beat(2)-19.49%
Revenue beat(4)0
Avg Revenue beat(4)-17.34%
Min Revenue beat(4)-24.11%
Max Revenue beat(4)-9.79%
Revenue beat(8)0
Avg Revenue beat(8)-14.15%
Revenue beat(12)1
Avg Revenue beat(12)-10.59%
Revenue beat(16)5
Avg Revenue beat(16)3.25%
PT rev (1m)0%
PT rev (3m)-6.45%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)-0.98%
EPS NY rev (1m)0%
EPS NY rev (3m)-4.53%
Revenue NQ rev (1m)3.42%
Revenue NQ rev (3m)3.32%
Revenue NY rev (1m)-0.91%
Revenue NY rev (3m)-6.53%
Valuation
Industry RankSector Rank
PE 8.01
Fwd PE 5.8
P/S 1.29
P/FCF N/A
P/OCF N/A
P/B 0.4
P/tB 0.4
EV/EBITDA 54.88
EPS(TTM)1.54
EY12.49%
EPS(NY)2.12
Fwd EY17.23%
FCF(TTM)-1.16
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS9.52
BVpS30.92
TBVpS30.92
PEG (NY)0.35
PEG (5Y)N/A
Graham Number32.73
Profitability
Industry RankSector Rank
ROA -0.2%
ROE -1.18%
ROCE 1.65%
ROIC 0.83%
ROICexc 0.87%
ROICexgc 0.88%
OM 18.08%
PM (TTM) N/A
GM 33.41%
FCFM N/A
ROA(3y)-1.1%
ROA(5y)0.13%
ROE(3y)-5.46%
ROE(5y)0%
ROIC(3y)1.06%
ROIC(5y)1.7%
ROICexc(3y)1.07%
ROICexc(5y)1.73%
ROICexgc(3y)1.08%
ROICexgc(5y)1.74%
ROCE(3y)1.76%
ROCE(5y)2.84%
ROICexgc growth 3Y-27.85%
ROICexgc growth 5Y-7.12%
ROICexc growth 3Y-27.99%
ROICexc growth 5Y-7.16%
OM growth 3Y-27.82%
OM growth 5Y-11.26%
PM growth 3Y-41.81%
PM growth 5Y-13.49%
GM growth 3Y-21.29%
GM growth 5Y-6.24%
F-Score3
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 4.27
Debt/FCF N/A
Debt/EBITDA 76.53
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.28
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -0.5
F-Score3
WACC4.88%
ROIC/WACC0.17
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)4.05%
EPS 3Y-35.1%
EPS 5Y-26.31%
EPS Q2Q%2.78%
EPS Next Y22.62%
EPS Next 2Y20.63%
EPS Next 3Y15.14%
EPS Next 5YN/A
Revenue 1Y (TTM)5.28%
Revenue growth 3Y-8.39%
Revenue growth 5Y-11.37%
Sales Q2Q%-2.17%
Revenue Next Year6.23%
Revenue Next 2Y16.46%
Revenue Next 3Y11.18%
Revenue Next 5YN/A
EBIT growth 1Y-11.4%
EBIT growth 3Y-33.87%
EBIT growth 5Y-21.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-146.25%
FCF growth 3Y-26.56%
FCF growth 5Y25.89%
OCF growth 1Y-127.91%
OCF growth 3Y-26.56%
OCF growth 5Y25.89%

CHIMERA INVESTMENT CORP / CIM FAQ

Can you provide the ChartMill fundamental rating for CHIMERA INVESTMENT CORP?

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


What is the valuation status for CIM stock?

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


Can you provide the profitability details for CHIMERA INVESTMENT CORP?

CHIMERA INVESTMENT CORP (CIM) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for CIM stock?

The Price/Earnings (PE) ratio for CHIMERA INVESTMENT CORP (CIM) is 8.01 and the Price/Book (PB) ratio is 0.4.


Can you provide the dividend sustainability for CIM stock?

The dividend rating of CHIMERA INVESTMENT CORP (CIM) is 4 / 10 and the dividend payout ratio is -682.63%.