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Chimera Investment Corporation (CIM) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Chimera Investment Corporation stock $18.28, price $7.31, upside +150.1%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Real Estate US

CI Chimera Investment Corporation logo Some data Nov 8, 2026

Chimera Investment Corporation

CIM · US
Cheap, value-trap risk

The stock costs 60% less than our calculation considers fair.

Fair value $18.28 · Strongly undervalued (60%)
Highly profitable · 28.1% net margin (FY2025)
23.5% dividend yield · Sustainable
Positive coverage
Even on cautious assumptions the value is 88% above the price ($13.73).
Quality 40/100
Mixed Growth (revenue 5y +29.1 %/yr in USD)
Mixed vs. peers (6/13)
Moderate moat 46/100
Some data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$29.34 $7.31 Fair Value $18.28 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $7.31 – $29.34 · fair‑value band $13.73 – $22.89 · the $7.31 price screens below the $18.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

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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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 $7.31, while our model-based Fair Value estimate is $18.28, implying the stock looks roughly 60% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $33.77 per share, and 6 of the 6 models we run sit above the $7.31 price.

Bear case: the Asset-Based group reads lowest at $20.59, and 0 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $13.73 (bear) to $22.89 (bull), the price of $7.31 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 40/100 (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 $613M Small · P/S ratio 10.7 · EPS (TTM) $−3.09 · Net margin 28.1% · Return on equity −7.2% · Return on assets (EBIT) 3.5% (5-year average) · Operating margin 138% · Revenue growth (YoY) +8.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (medium confidence).

What moves the price

The share trades about 48% 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 56% fair-value upside, at 150%, CIM screens cheaper than that median.

Fair Value models

Bear $13.73 Fair Value $18.28 Bull $22.89
Price $7.31 · Upside +150.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income $23.27 $24.46 $26.60 74
Gordon GGM $16.14 $25.90 $32.60 67
DDM Multi-Stage $16.14 $25.08 $27.96 65
All 6 models by family
Dividend Discount
Gordon GGM $16.14 $25.90 $32.60 67
DDM Multi-Stage $16.14 $25.08 $27.96 65
Multiples
P/S Multiple $18.38 $24.51 $30.64 58
P/B Multiple $32.27 $43.02 $53.78 55
Asset-Based
NCAV (Graham) $15.37 $20.59 $30.73 54
Economic Profit
Residual Income $23.27 $24.46 $26.60 74

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Quality Score breakdown

Overall quality 40/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 86
Does it invest with discipline instead of growing at any price?
Low Volatility 35
How calm the share price moves, does not count
Price momentum 4
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 70
Buys back shares or issues new ones?

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Insider trades

In the last 6 months, no officer or director bought or sold shares on the open market.

Plus 6 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

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%
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.
≈ +4.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +4.6%
Dividend (yield on the price)0.0%
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.base effect: 4.6% / −3.1%
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%
⚠ 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.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 2.20 per share, median 7.47 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.

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Recent news

News mood ⓘNews mood, the average tone of recent news (91 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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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 · 31 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 40 · Below median
Fair Value upside +150.1% · Top 25%
Profitability
Return on assets 1.5% · Above median
Net margin (12 months) 28.1% · Below median
Operating margin (12 months) 138.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 8.1% · Below median
Dividend yield (12 months) 23.5% · Top 25%
Balance sheet
Debt / equity 2.74× · Above median

Valuation Multiplesvs REIT - Mortgage median · lower = cheaper

P/B 0.24× · Cheapest 25%
P/S (12 months) 10.76× · Priciest 25%
EV/EBITDA 9.3× · Cheaper than median
PEG 3.33× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 100
FUTURE (revenue growth)41 · sector 97
PAST (return on equity)0 · sector 17
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 100

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more REIT - Mortgage stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
MFA Financial, Inc MFA $6.21 $14.69 +137% vs CIM
AGNC Investment Corp AGNC $8.78 $18.66 +113% vs CIM
Starwood Property Trust, Inc STWD $12.05 $25.00 +107% vs CIM
Orchid Island Capital, Inc ORC $4.94 $8.77 +78% vs CIM
ARMOUR Residential REIT, Inc ARR $12.60 $19.59 +56% vs CIM
Rithm Capital Corp RITM $9.23 $13.14 +42% vs CIM
Annaly Capital Management, Inc NLY $18.75 $19.24 +3% vs CIM
Ellington Financial Inc EFC $11.26 $11.12 −1% vs CIM
Dynex Capital, Inc DX $10.68 $9.12 −15% vs CIM
Ladder Capital Corp LADR $8.91 $7.56 −15% vs CIM

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Chimera Investment Corporation: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Chimera Investment Corporation Fair Value". https://www.fairvalue-calculator.com/stock/CIM

Frequently asked questions

Is Chimera Investment Corporation (CIM) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $18.28 versus a price of $7.31, about +150% upside (undervalued).
What is the fair value of CIM?
Our model-based fair value for Chimera Investment Corporation is $18.28 (as of Nov 8, 2026), built from audited fundamentals. The current price: $7.31.
What is the quality score of CIM?
Chimera Investment Corporation has a Quality Score of 40/100. 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 $18.28 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $13.73, optimistic scenario $22.89. 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 $18.28, about +150% upside versus a price of $7.31 (undervalued). Cautious scenario $13.73, optimistic scenario $22.89. The calculation is refreshed regularly with new filings.
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 $18.28 per share (as of Nov 8, 2026), against a price of $7.31. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Chimera Investment Corporation stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CIM trades below its calculated fair value: price $7.31, fair value $18.28, a gap of about +150% (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 ($7.31); the fair value is what the company's own numbers justify ($18.28). For Chimera Investment Corporation the two are $10.97 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 $613M (market capitalisation, as of Nov 8, 2026). Per share that is $7.31; our models calculate a fair value of $18.28 per share.
What do the bullish and bearish scenarios say about CIM?
Our models span a range for Chimera Investment Corporation: cautious scenario $13.73, base $18.28, optimistic $22.89 per share (as of Nov 8, 2026, price $7.31). 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 Nov 8, 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 Nov 8, 2026): return on equity −7.2%, debt of 2.74 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is CIM from its 52-week high?
Chimera Investment Corporation trades at $7.31, about 48% below its 52-week high of $13.95 and at the low of $7.31 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.28 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, Rithm Capital Corp, Starwood Property Trust, Inc, 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 Nov 8, 2026: price $7.31, calculated fair value $18.28 (+150%), Quality Score 40/100, from 6 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 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.28 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Chimera Investment Corporation currently trades 60% 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 Nov 6, 2026 was $7.31. Our model-based fair value is $18.28, about +150% 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 (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($13.73). 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 $613M. 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 10.7 (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 $−3.09. Earnings per share over the last twelve months: total profit spread across every single share.
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 −7.2% (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 138% (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 +8.1% 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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