Chimera Investment Corporation (CIMN)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Chimera Investment Corporation (CIMN) trades at $25.48 with AI Score 32/100 (Grade D). Chimera Investment Corporation is a real estate investment trust (REIT) focused on investing in mortgage assets. Market cap: $1.10B, Sector: Financial services.
Price live · AI analysis from May 4, 2026Analyst Coverage for CIMN: CIMN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CIMN against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CIMN: 3/7 perspectives are bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Chimera Investment Corporation (CIMN) Financial Services Profile
Chimera Investment Corporation, a REIT established in 2007, specializes in mortgage-related assets, including residential and commercial mortgage-backed securities. With a $1.10B market cap and a dividend yield of 8.93%, Chimera operates within the financial services sector, focusing on generating income from its diverse portfolio of mortgage investments.
What Is the Investment Thesis for CIMN?
Chimera Investment Corporation presents a compelling investment case based on its focus on mortgage-related assets and its high dividend yield of 8.93%. The company's diversified portfolio across residential and commercial mortgage-backed securities provides exposure to various segments of the real estate market. A key value driver is the company's ability to generate income from its mortgage asset portfolio, reflected in its profit margin of 27.4%. Upcoming catalysts include potential interest rate adjustments by the Federal Reserve, which could impact the value and performance of Chimera's mortgage holdings. Potential risks include fluctuations in interest rates and changes in the housing market, which could affect the value of the company's assets. The company's beta of -0.04 suggests a low correlation with the overall market, potentially offering some downside protection during market volatility.
Based on FMP financials and quantitative analysis
CIMN Key Highlights
- Market capitalization of $1.10B, reflecting the company's size and market presence within the REIT sector.
- P/E ratio of 58.0, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 27.4%, demonstrating the company's ability to generate profits from its mortgage asset portfolio.
- Gross margin of 93.4%, highlighting the efficiency of the company's operations in managing its assets.
- Dividend yield of 8.93%, offering an attractive income stream for investors.
Who Are CIMN's Competitors?
CIMN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGNC AGNC Investment Corp. | $11.20 | +1.77% | $12.85B | 51 |
| NRZ New Residential Investment Corp. | $10.89 | -0.18% | $5.16B | — |
| IVR Invesco Mortgage Capital Inc. | $7.87 | +0.25% | $563.83M | 57 |
| TRNO Terreno Realty Corporation | $68.05 | +1.07% | $7.23B | 60 |
| PSA Public Storage | $323.01 | -2.01% | $56.71B | 60 |
| FBBPF FIBRA Prologis | $4.48 | +1.93% | $7.47B | 59 |
| CGIUF ESR-Logos REIT | $1.63 | -1.81% | $1.31B | 59 |
| SCCB Sachem Capital Corp. 7.125% Not | $24.98 | -0.02% | $116.72M | 38 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CIMN's Key Strengths?
- Diversified portfolio of mortgage assets.
- High dividend yield.
- Experienced management team.
- Established presence in the REIT sector.
What Are CIMN's Weaknesses?
- Sensitivity to interest rate fluctuations.
- Exposure to credit risk in non-agency RMBS.
- Reliance on external financing.
- Complex regulatory environment.
What Could Drive CIMN Stock Higher?
- Potential interest rate adjustments by the Federal Reserve, which could impact the value and performance of Chimera's mortgage holdings.
- Active management of the mortgage asset portfolio to optimize risk-adjusted returns.
- Strategic acquisitions of other REITs or mortgage-related businesses to expand operations and market presence.
What Are the Key Risks for CIMN?
- Financial-distress signal — its Altman Z-Score of -0.44 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 58.0 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Insider selling — insiders were net sellers of roughly $2.7M recently.
- Fluctuations in interest rates, which could affect the value of the company's assets.
- Changes in the housing market, which could impact the performance of mortgage-related investments.
- Credit risk associated with non-agency RMBS.
- Regulatory risks related to the REIT industry.
What Are the Growth Opportunities for CIMN?
- Expansion of Mortgage Portfolio: Chimera can pursue growth by expanding its portfolio of mortgage assets, including residential and commercial mortgage-backed securities. The market for mortgage-backed securities is substantial, with trillions of dollars in outstanding debt. By strategically acquiring additional mortgage assets, Chimera can increase its income-generating potential and diversify its holdings. This expansion could be achieved through direct purchases, securitization, or other investment strategies. The timeline for this growth opportunity is ongoing, as Chimera continuously evaluates and adjusts its portfolio based on market conditions.
- Strategic Acquisitions: Chimera can explore opportunities to acquire other REITs or mortgage-related businesses to expand its operations and market presence. The REIT industry is consolidating, with larger players acquiring smaller ones to achieve economies of scale and increase market share. By making strategic acquisitions, Chimera can gain access to new markets, technologies, or expertise. The timeline for this growth opportunity is event-driven, as acquisitions typically occur on an opportunistic basis. The competitive advantage lies in Chimera's financial resources and its ability to identify and integrate suitable acquisition targets.
- Increased Investment in Agency RMBS: Chimera can increase its investment in Agency RMBS, which are backed by government-sponsored enterprises such as Fannie Mae and Freddie Mac. These securities offer a relatively low-risk investment option, as they are guaranteed by the U.S. government. By increasing its allocation to Agency RMBS, Chimera can reduce its overall portfolio risk and generate stable income. The market for Agency RMBS is vast, with trillions of dollars in outstanding debt. The timeline for this growth opportunity is ongoing, as Chimera continuously adjusts its portfolio allocation based on market conditions.
- Diversification into New Asset Classes: Chimera can diversify its investments into new asset classes, such as commercial real estate or infrastructure projects. This diversification can reduce the company's reliance on mortgage-related assets and provide exposure to new growth opportunities. The market for commercial real estate and infrastructure projects is substantial, with trillions of dollars in investment opportunities. By diversifying its asset base, Chimera can enhance its long-term growth potential and reduce its overall risk profile. The timeline for this growth opportunity is long-term, as it requires careful planning and execution.
- Enhanced Risk Management: Chimera can enhance its risk management practices to mitigate potential losses and improve its overall financial performance. This includes implementing more sophisticated risk models, stress-testing its portfolio under various scenarios, and hedging its exposure to interest rate fluctuations and other market risks. By improving its risk management capabilities, Chimera can reduce its vulnerability to adverse market conditions and enhance its long-term stability. The timeline for this growth opportunity is ongoing, as risk management is a continuous process that requires constant monitoring and improvement.
What Opportunities Does CIMN Have?
- Expansion of mortgage portfolio through strategic acquisitions.
- Diversification into new asset classes.
- Increased investment in agency RMBS.
- Enhanced risk management practices.
What Threats Does CIMN Face?
- Rising interest rates.
- Economic downturn.
- Increased competition.
- Changes in government regulations.
What Are CIMN's Competitive Advantages?
- Expertise in mortgage asset management.
- Established relationships with mortgage originators and servicers.
- Access to capital markets for funding investments.
- Diversified portfolio of mortgage assets.
What Does CIMN Do?
Chimera Investment Corporation, founded on June 1, 2007, is a real estate investment trust (REIT) headquartered in New York, NY. The company focuses on investing in a diversified portfolio of mortgage assets. These assets include residential mortgage loans, Agency Residential Mortgage-Backed Securities (RMBS), Non-Agency RMBS, Agency Commercial Mortgage-Backed Securities (CMBS), and other real estate-related assets. Chimera's strategy involves actively managing its portfolio to generate income from the interest and principal payments of these mortgage-related investments. The company operates within the financial services sector, specifically the REIT industry, and aims to provide shareholders with attractive risk-adjusted returns through a combination of current income and capital appreciation. Chimera's investment decisions are influenced by macroeconomic factors, interest rate trends, and the overall health of the housing market. With 77 employees, the company is led by CEO Phillip John Kardis. Chimera continues to adapt its investment strategies to capitalize on opportunities within the evolving mortgage market landscape.
What Products and Services Does CIMN Offer?
- Invests in residential mortgage loans.
- Invests in Agency Residential Mortgage-Backed Securities (RMBS).
- Invests in Non-Agency RMBS.
- Invests in Agency Commercial Mortgage-Backed Securities (CMBS).
- Invests in other real estate-related assets.
- Manages a portfolio of mortgage assets to generate income.
How Does CIMN Make Money?
- Generates income from interest payments on mortgage loans and mortgage-backed securities.
- Profits from the difference between the interest earned on assets and the cost of funding.
- Manages its portfolio to optimize risk-adjusted returns.
- Reinvests profits to grow its asset base and increase shareholder value.
What Industry Does CIMN Operate In?
Chimera Investment Corporation operates within the REIT - Industrial industry, a segment of the broader financial services sector. The REIT industry is influenced by macroeconomic factors, interest rate trends, and the overall health of the real estate market. Competitors in this space include other REITs that invest in mortgage-related assets. The industry is subject to regulatory oversight and capital requirements. Market trends include the increasing demand for housing and commercial properties, as well as the growing use of mortgage-backed securities as investment vehicles. Chimera's focus on a diversified portfolio of mortgage assets positions it to capitalize on these trends.
Who Are CIMN's Key Customers?
- Shareholders seeking income from dividends.
- Institutional investors looking for exposure to mortgage-related assets.
- Pension funds and other long-term investors seeking stable returns.
ROE 1%Key Financial Metrics
Return on equity for Chimera Investment Corporation stands at 0.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. CIMN trades at a trailing price-to-earnings ratio of 58.02, above the Financial Services sector average of ~18x. Its free cash flow yield is -4.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 1.7%, the inverse of the P/E and a quick read on earnings relative to price.
Chimera Investment Corporation (CIMN) Valuation Context
Valued at $1.10B, CIMN is classified as a small-cap stock. Relative to its peer group, CIMN's quantitative score of 32/100 is below the peer average of 57/100.
Company Profile
Chimera Investment Corporation operates in the REIT - Mortgage industry within the Real Estate sector. It is headquartered in New York, US. The company is led by CEO Phillip John Kardis. CIMN has traded publicly since 2024.
F-Score 4/9Financial Health
Chimera Investment Corporation's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.44 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Chimera Investment Corporation revenue of about $386.6M for fiscal 2026, with EPS near $2.16.
Net buyingInsider Activity
Over the past six months, Chimera Investment Corporation insiders filed 14 SEC Form 4 transactions — 4 sales and 10 purchases. On net that is roughly 234K shares acquired (about $2.7M) — insiders putting money in tends to read as conviction.
CIMN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Chimera's future performance, indicating that management believes the stock is undervalued.
- Community sentiment has shifted positively, with many investors highlighting the company’s stable dividend history as a strong point.
- Market perception has been buoyed by favorable commentary regarding the real estate sector, which directly impacts Chimera's portfolio.
- Recent discussions in trading forums reveal a growing belief that Chimera's diversified asset strategy positions it well for upcoming market conditions.
Bear Case
- Some investors express concerns about potential interest rate hikes, which could negatively impact Chimera's mortgage-backed securities.
- Recent bearish sentiment in forums points to worries over the company’s exposure to the real estate market's volatility.
- Insider selling activity has raised flags for some traders, suggesting that even insiders may have reservations about the company's near-term prospects.
- Community discussions have highlighted a lack of significant growth catalysts, leading to skepticism about Chimera's ability to enhance shareholder value.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · January 2026
CIMN Latest News
No recent news available for CIMN.
CIMN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CIMN.
Price Targets
Wall Street price target analysis for CIMN.
CIMN MoonshotScore
What does this score mean?
The MoonshotScore rates CIMN's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Phillip John Kardis
CEO
Phillip John Kardis serves as the CEO of Chimera Investment Corporation. His background includes extensive experience in the financial services industry, with a focus on real estate and mortgage-related investments. He has held various leadership positions throughout his career, demonstrating expertise in portfolio management, risk assessment, and strategic decision-making. Kardis is responsible for overseeing the company's operations, setting its strategic direction, and managing its relationships with investors and other stakeholders. He manages a team of 77 employees.
Track Record: Under Phillip John Kardis's leadership, Chimera Investment Corporation has maintained a strong focus on generating income from its diversified portfolio of mortgage assets. Key achievements include navigating the company through various economic cycles and maintaining a high dividend yield for shareholders. Kardis has also overseen the implementation of enhanced risk management practices and the expansion of the company's investment portfolio.
What Investors Ask About Chimera Investment Corporation (CIMN) — Financial Services
What does Chimera Investment Corporation do?
Chimera Investment Corporation is a real estate investment trust (REIT) that specializes in investing in mortgage assets. The company's primary focus is on generating income from its portfolio of residential mortgage loans, Agency RMBS, Non-Agency RMBS, Agency CMBS, and other real estate-related assets. Chimera actively manages its portfolio to optimize risk-adjusted returns and provide shareholders with attractive dividends. The company operates within the financial services sector and aims to capitalize on opportunities within the evolving mortgage market landscape.
What do analysts say about CIMN stock?
Analyst consensus on Chimera Investment Corporation (CIMN) is mixed, with some analysts highlighting the company's high dividend yield and diversified portfolio of mortgage assets as positive factors. Key valuation metrics include the company's P/E ratio and market capitalization, which are used to assess its relative value compared to peers. Growth considerations include the company's ability to generate income from its mortgage asset portfolio and its exposure to interest rate fluctuations and changes in the housing market. Analysts typically provide price targets and ratings based on their assessment of the company's prospects.
What are the main risks for CIMN?
The main risks for Chimera Investment Corporation (CIMN) include fluctuations in interest rates, which could affect the value of its mortgage asset portfolio. Changes in the housing market, such as a decline in home prices or an increase in foreclosures, could also negatively impact the company's performance. Credit risk associated with non-agency RMBS is another concern, as these securities are not guaranteed by the U.S. government. Regulatory risks related to the REIT industry and the potential for increased competition are also factors to consider.
What are the key factors to evaluate for CIMN?
Chimera Investment Corporation (CIMN) holds an AI score of 32/100 (low). P/E: 58.0x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CIMN data refresh on this page?
CIMN prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CIMN's recent stock price performance?
Chimera Investment Corporation (CIMN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified portfolio of mortgage assets. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CIMN overvalued or undervalued right now?
Chimera Investment Corporation (CIMN) trades at 58.0x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CIMN?
Before investing in Chimera Investment Corporation (CIMN), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
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- Information is based on available data and may be subject to change.
- Investment decisions should be made based on individual risk tolerance and financial circumstances.