Invests in a diverse portfolio of mortgage assets across the United States. Acquires residential mortgage loans directly and through various channels. Now — the numbers.
This is an established company with proven profits.
An average decline of 6% a year over the last 3 years — the most striking risk in this picture.
The market pays 4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 74% of them.
Analysts' average target sits 3% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
This grade is a blend: the profit side is strong, the sales tempo slow.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
An investor who bought at the very peak is down 78% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
The net profit margin is 28% — still a thick cushion, though costs have been eating into it lately.
Over the last 12 months, company executives reported 18 buys and 11 sells. Management buying with its own money is usually read as a good sign.
It pays out $1.64 per share each year — regular cash for whoever holds the stock.
Over the last 4 years, sales fell about 6% a year on average. Profit is holding up, but a shrinking business is a risk worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 4/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 6/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, CIM sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: CIM does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s what that quality should cost.
Not covered, because the filings we hold do not carry it: the revenue breakdown.