Chimera Investment Corporation (CIM)vsAnnaly Capital Management, Inc. (NLY)
CIM
Chimera Investment Corporation
$11.13
-0.45%
REAL ESTATE · Cap: $935.16M
NLY
Annaly Capital Management, Inc.
$21.90
-0.45%
REAL ESTATE · Cap: $17.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 1379% more annual revenue ($3.25B vs $220.03M). NLY leads profitability with a 90.7% profit margin vs 0.6%. CIM appears more attractively valued with a PEG of 3.33. NLY earns a higher WallStSmart Score of 77/100 (B+).
CIM
Hold46
out of 100
Grade: D+
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+65.1%
Fair Value
$37.46
Current Price
$11.13
$26.33 discount
Margin of Safety
-8.8%
Fair Value
$20.97
Current Price
$21.90
$0.93 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 33.8%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 91 of every $100 in revenue as profit
Strong operational efficiency at 91.6%
Revenue surging 479.4% year-over-year
Earnings expanding 3426.0% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.1% — below average capital efficiency
0.6% margin — thin
Expensive relative to growth rate
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : CIM
The strongest argument for CIM centers on Price/Book, Operating Margin.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 90.7% and operating margin at 91.6%. Revenue growth of 479.4% demonstrates continued momentum.
Bear Case : CIM
The primary concerns for CIM are Market Cap, Return on Equity, Profit Margin. Debt-to-equity of 5.57 is elevated, increasing financial risk. Thin 0.6% margins leave little buffer for downturns.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 7.38 is elevated, increasing financial risk.
Key Dynamics to Monitor
CIM profiles as a value stock while NLY is a growth play — different risk/reward profiles.
CIM carries more volatility with a beta of 1.75 — expect wider price swings.
NLY is growing revenue faster at 479.4% — sustainability is the question.
NLY generates stronger free cash flow (1.4B), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 46/100), backed by strong 90.7% margins and 479.4% revenue growth. CIM offers better value entry with a 65.1% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chimera Investment Corporation
REAL ESTATE · REIT - MORTGAGE · USA
Chimera Investment Corporation is a real estate investment trust (REIT) in the United States. The company is headquartered in New York, New York.
Visit Website →Annaly Capital Management, Inc.
REAL ESTATE · REIT - MORTGAGE · USA
Annaly Capital Management, Inc., a diversified capital manager, invests in and finances residential and commercial assets. The company is headquartered in New York, New York.
Visit Website →Compare with Other REIT - MORTGAGE Stocks
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