Chimera Investment Corporation (CIM)vsAnnaly Capital Management, Inc. (NLY)
CIM
Chimera Investment Corporation
$13.24
-0.30%
REAL ESTATE · Cap: $1.13B
NLY
Annaly Capital Management, Inc.
$21.22
-0.24%
REAL ESTATE · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 1064% more annual revenue ($2.50B vs $214.90M). NLY leads profitability with a 87.4% profit margin vs 9.0%. CIM appears more attractively valued with a PEG of 3.33. NLY earns a higher WallStSmart Score of 77/100 (B+).
CIM
Avoid34
out of 100
Grade: F
NLY
Strong Buy77
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+64.6%
Fair Value
$37.00
Current Price
$13.24
$23.76 discount
Margin of Safety
-37.9%
Fair Value
$16.54
Current Price
$21.22
$4.68 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 87 of every $100 in revenue as profit
Strong operational efficiency at 81.0%
Revenue surging 48.8% year-over-year
Earnings expanding 122.5% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.8% — below average capital efficiency
Expensive relative to growth rate
Revenue declined 76.6%
Weak financial health signals
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CIM
The strongest argument for CIM centers on Price/Book.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 87.4% and operating margin at 81.0%. Revenue growth of 48.8% demonstrates continued momentum.
Bear Case : CIM
The primary concerns for CIM are Market Cap, Return on Equity, PEG Ratio. Debt-to-equity of 5.17 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Free Cash Flow. Debt-to-equity of 7.18 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 1.79 — expect wider price swings.
NLY is growing revenue faster at 48.8% — sustainability is the question.
CIM generates stronger free cash flow (243M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (77/100 vs 34/100), backed by strong 87.4% margins and 48.8% revenue growth. CIM offers better value entry with a 64.6% margin of safety. Both earn "Strong Buy" and "Avoid" 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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