Chimera Investment Corporation (CIM)vsAnnaly Capital Management, Inc. (NLY)
CIM
Chimera Investment Corporation
$12.86
+1.58%
REAL ESTATE · Cap: $1.05B
NLY
Annaly Capital Management, Inc.
$21.41
+1.57%
REAL ESTATE · Cap: $15.14B
Smart Verdict
WallStSmart Research — data-driven comparison
Annaly Capital Management, Inc. generates 546% more annual revenue ($2.38B vs $368.88M). NLY leads profitability with a 85.1% profit margin vs 62.5%. CIM appears more attractively valued with a PEG of 3.33. NLY earns a higher WallStSmart Score of 75/100 (B).
CIM
Buy55
out of 100
Grade: C-
NLY
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-11.9%
Fair Value
$11.70
Current Price
$12.86
$1.16 premium
Margin of Safety
+83.2%
Fair Value
$135.72
Current Price
$21.41
$114.31 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 63 of every $100 in revenue as profit
Strong operational efficiency at 43.2%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 85 of every $100 in revenue as profit
Strong operational efficiency at 93.7%
Revenue surging 113.9% year-over-year
Earnings expanding 81.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Revenue declined 75.9%
Earnings declined 58.5%
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 P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 62.5% and operating margin at 43.2%.
Bull Case : NLY
The strongest argument for NLY centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 85.1% and operating margin at 93.7%. Revenue growth of 113.9% demonstrates continued momentum.
Bear Case : CIM
The primary concerns for CIM are Market Cap, PEG Ratio, Revenue Growth. Debt-to-equity of 5.08 is elevated, increasing financial risk.
Bear Case : NLY
The primary concerns for NLY are Piotroski F-Score, PEG Ratio, Altman Z-Score. Debt-to-equity of 6.95 is elevated, increasing financial risk.
Key Dynamics to Monitor
CIM profiles as a declining stock while NLY is a growth play — different risk/reward profiles.
CIM carries more volatility with a beta of 1.85 — expect wider price swings.
NLY is growing revenue faster at 113.9% — sustainability is the question.
NLY generates stronger free cash flow (472M), providing more financial flexibility.
Bottom Line
NLY scores higher overall (75/100 vs 55/100), backed by strong 85.1% margins and 113.9% revenue growth. Both earn "Strong Buy" and "Buy" 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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