Chimera Investment Corporation (CIM) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Chimera Investment Corporation $24.68, price $10.75, upside +129.6%, quality 38 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $9.07 – $29.34 · fair‑value band $18.40 – $30.66 · the $10.75 price screens below the $24.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Chimera Investment Corporation operates as a real estate investment trust (REIT) in the United States. It operates in two segments, Investment Portfolio and Residential Origination.
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Chimera Investment Corporation operates as a real estate investment trust (REIT) in the United States. It operates in two segments, Investment Portfolio and Residential Origination. The company, through its subsidiaries, invests in, originates, and manages a portfolio of mortgage assets, including residential mortgage loans, non-agency mortgage-backed securities, agency mortgage-backed securities, business purpose loans, investor loans, mortgage servicing rights, and other real estate-related assets. It also invests in investment grade, non-investment grade, and non-rated securities. In addition, the company offers third-party advisory services. The company qualifies as a REIT for federal income tax purposes. As a REIT, it intends to distribute at least 90% of its taxable income as dividends to shareholders. Chimera Investment Corporation was incorporated in 2007 and is headquartered in New York, New York.
Stock analysis
Chimera Investment Corporation (CIM) currently trades at $10.75, while our model-based Fair Value estimate is $24.68, implying the stock looks roughly 56.4% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $31.91 per share, and 8 of the 8 models we run sit above the $10.75 price.
Bear case: the Asset-Based group reads lowest at $20.61, and 0 of the 8 models stay below the price. Evidence for this calculation is medium.
Scenario range: $18.40 (bear) to $30.66 (bull), the price of $10.75 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Chimera Investment Corporation reported revenue of $821M in FY2025 versus $1.1B in FY2021, a compound −6.1%/yr. Reported net income was $230M in FY2025, compounding −23.4%/yr from FY2021.
Key figures
Market cap $1.1B · P/S ratio 5.17 · EPS (TTM) $−0.8300 · Dividend yield 14.5% · Net margin 28.1% · Return on equity 0.8% · Return on assets (EBIT) 3.5% · Operating margin −4.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 23% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at 130%, CIM screens cheaper than that median.
Fair Value models
Bear $18.40Fair Value $24.68Bull $30.66
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.48/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+218.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.1%
Start year 2020 (pandemic). Over 10 years: +9.7% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+19.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.6%
Dividend (yield on the price)14.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5% vs −3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.39% → 93%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 4.3%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Chimera Investment Corporation with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 39 stocks
Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+130% · Above median
Profitability
Return on equity (TTM)1% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)9% · Bottom 25%
Operating margin (TTM)−4% · Bottom 25%
Growth and dividend
Revenue growth−77% · Bottom 25%
Dividend yield (TTM)14.5% · Below median
Balance sheet
Debt / equity2.74× · Above median
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
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Is Chimera Investment Corporation (CIM) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $24.68 versus a price of $10.75, about +130% upside (undervalued).
What is the fair value of CIM?
Our model-based fair value for Chimera Investment Corporation is $24.68 (as of Sep 23, 2026), built from audited fundamentals. The current price: $10.75.
What is the quality score of CIM?
Chimera Investment Corporation has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Chimera Investment Corporation (CIM)?
Our model-based price target is the fair value of $24.68 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario $18.40, optimistic scenario $30.66. It is a calculation from audited fundamentals, not an analyst target.
What is the Chimera Investment Corporation stock forecast for 2026?
Our models put fair value at $24.68, about +130% upside versus a price of $10.75 (undervalued). Cautious scenario $18.40, optimistic scenario $30.66. The calculation is refreshed regularly with new filings.
Does Chimera Investment Corporation pay a dividend?
Chimera Investment Corporation currently shows a dividend yield of about 14.51% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Chimera Investment Corporation (CIM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Chimera Investment Corporation it is $24.68 per share (as of Sep 23, 2026), against a price of $10.75. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Chimera Investment Corporation stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CIM trades below its calculated fair value: price $10.75, fair value $24.68, a gap of about +130% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CIM?
No. The price is what the market pays today ($10.75); the fair value is what the company's own numbers justify ($24.68). For Chimera Investment Corporation the two are $13.93 per share apart. That gap is exactly why we show both numbers side by side.
How much is Chimera Investment Corporation worth?
The market values Chimera Investment Corporation at about $1.1B (market capitalisation, as of Sep 23, 2026). Per share that is $10.75; our models calculate a fair value of $24.68 per share.
What do the bullish and bearish scenarios say about CIM?
Our models span a range for Chimera Investment Corporation: cautious scenario $18.40, base $24.68, optimistic $30.66 per share (as of Sep 23, 2026, price $10.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of CIM?
The PEG ratio of Chimera Investment Corporation is 3.33 (P/E divided by earnings growth, as of Sep 23, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Chimera Investment Corporation (CIM)?
Balance-sheet figures for Chimera Investment Corporation (as of Sep 23, 2026): return on equity 0.8%, debt of 2.74 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is CIM from its 52-week high?
Chimera Investment Corporation trades at $10.75, about 23% below its 52-week high of $13.95 and at the low of $10.75 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $24.68 is for.
Which stocks are comparable to Chimera Investment Corporation?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Chimera Investment Corporation stock attractive at the current price?
The data as of Sep 23, 2026: price $10.75, calculated fair value $24.68 (+130%), Quality Score 38/100, from 8 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CIM calculated?
We run Chimera Investment Corporation through 8 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $24.68, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Chimera Investment Corporation currently trades 130 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Chimera Investment Corporation (CIM)?
The closing price on Sep 23, 2026 was $10.75. Our model-based fair value is $24.68, about +130% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Chimera Investment Corporation right now?
The large discount to fair value meets weak quality (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($18.40). The market is more pessimistic than our downside scenario. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Chimera Investment Corporation (CIM) come from?
Earnings per share at Chimera Investment Corporation grew −6.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.7 %, EBIT margin +1.4 %, tax rate +0.0 %, residual (interest, one-offs) −9.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Chimera Investment Corporation
How large is the market capitalisation of Chimera Investment Corporation (CIM)?
The market capitalisation of Chimera Investment Corporation is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Chimera Investment Corporation (CIM)?
The price-to-sales ratio of Chimera Investment Corporation is 5.17 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Chimera Investment Corporation (CIM)?
Earnings per share at Chimera Investment Corporation are $−0.8300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Chimera Investment Corporation (CIM)?
The dividend yield of Chimera Investment Corporation is 14.5%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Chimera Investment Corporation (CIM)?
The net margin of Chimera Investment Corporation is 28.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Chimera Investment Corporation (CIM)?
The return on equity (ROE) of Chimera Investment Corporation is 0.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Chimera Investment Corporation (CIM)?
On an EBIT basis the return on assets of Chimera Investment Corporation is 3.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Chimera Investment Corporation (CIM)?
The operating margin of Chimera Investment Corporation is −4.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Chimera Investment Corporation (CIM)?
Revenue at Chimera Investment Corporation is growing −76.6% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Chimera Investment Corporation (CIM)?
Earnings per share at Chimera Investment Corporation are growing −58.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Chimera Investment Corporation (CIM) generate?
The free cash flow of Chimera Investment Corporation is −$249M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Chimera Investment Corporation (CIM) carry?
The net debt of Chimera Investment Corporation is $12.8B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026