CION INVESTMENT CORP (CION) Fundamental Analysis & Valuation

NYSE:CION • US17259U2042

Current stock price

7.98 USD
+0.22 (+2.84%)
At close:
7.98 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.
  • In the past year CION had a positive cash flow from operations.
  • CION had positive earnings in 4 of the past 5 years.
  • In multiple years CION reported negative operating cash flow during the last 5 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 76.15% 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 71.55% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 4.01%, CION is in line with its industry, outperforming 54.81% of the companies in the same industry.
  • CION had an Average Return On Invested Capital over the past 3 years of 4.06%. This is below the industry average of 7.31%.
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 Operating Margin of 38.60%. This is in the better half of the industry: CION outperforms 69.04% of its industry peers.
  • CION's Operating Margin has declined in the last couple of years.
  • CION's Gross Margin of 43.38% is in line compared to the rest of the industry. CION outperforms 45.61% of its industry peers.
  • 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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1

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.
  • 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 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 0.27, we must say that CION is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.27, CION is not doing good in the industry: 72.80% of the companies in the same industry are doing better.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 14.65, CION is in line with its industry, outperforming 56.49% of the companies in the same industry.
  • CION has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 1.59, CION is doing worse than 71.13% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF 14.65
Altman-Z 0.27
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.
  • The Current ratio of CION (0.64) is worse than 70.29% of its industry peers.
  • A Quick Ratio of 0.64 indicates that CION may have some problems paying its short term obligations.
  • With a Quick ratio value of 0.64, CION is not doing good in the industry: 69.87% of the companies in the same industry are doing better.
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.
  • The Revenue has decreased by -4.60% in the past year.
  • CION shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
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

  • CION is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -17.34% yearly.
  • CION is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -11.58% yearly.
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 4.51, the valuation of CION can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of CION indicates a rather cheap valuation: CION is cheaper than 89.54% of the companies listed in the same industry.
  • CION is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • CION is valuated cheaply with a Price/Forward Earnings ratio of 6.76.
  • Based on the Price/Forward Earnings ratio, CION is valued cheaper than 88.70% of the companies in the same industry.
  • CION is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.51
Fwd PE 6.76
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 rather cheap when compared to the industry. CION is cheaper than 86.61% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.24
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%

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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 5.35%, which is a nice return.
  • CION's Dividend Yield is comparable with the industry average which is at 6.46.
  • Compared to an average S&P500 Dividend Yield of 1.80, CION pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.35%

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.
  • CION's earnings and Dividend Rate are 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 (5/1/2026, 8:16:43 PM)

After market: 7.98 0 (0%)

7.98

+0.22 (+2.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Industry Strength31.68
Industry Growth53.42
Earnings (Last)03-12
Earnings (Next)05-07
Inst Owners39.87%
Inst Owner Change0.15%
Ins Owners0.5%
Ins Owner Change0%
Market Cap402.99M
Revenue(TTM)240.82M
Net Income(TTM)-20.63M
Analysts47.5
Price Target9.35 (17.17%)
Short Float %1.77%
Short Ratio1.3
Dividend
Industry RankSector Rank
Dividend Yield 5.35%
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 4.51
Fwd PE 6.76
P/S 1.67
P/FCF 5.24
P/OCF 5.24
P/B 0.57
P/tB 0.57
EV/EBITDA N/A
EPS(TTM)1.77
EY22.18%
EPS(NY)1.18
Fwd EY14.79%
FCF(TTM)1.52
FCFY19.07%
OCF(TTM)1.52
OCFY19.07%
SpS4.77
BVpS14.01
TBVpS14.01
PEG (NY)N/A
PEG (5Y)N/A
Graham Number23.623 (196.03%)
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 0.27
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 4.51 and the Price/Book (PB) ratio is 0.57.


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.