CIM
Chimera Investment Corporation
REIT - Mortgage
Market Cap$1.13B
5Y Perf.-45.7%
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Stock Comparison
CIM vs AGNC vs NLY
Revenue, margins, valuation, and 5-year total return — side by side.
AGNC
AGNC Investment Corp.
REIT - Mortgage
Market Cap$9.62B
5Y Perf.-17.2%
NLY
Annaly Capital Management, Inc.
REIT - Mortgage
Market Cap$16.08B
5Y Perf.-9.1%
CIM vs AGNC vs NLY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIM | AGNC | NLY |
|---|---|---|---|
| Industry | REIT - Mortgage | REIT - Mortgage | REIT - Mortgage |
| Market Cap | $1.13B | $9.62B | $16.08B |
| Revenue (TTM) | $499M | $3.46B | $6.70B |
| Net Income (TTM) | $19M | $838M | $2.03B |
| Gross Margin | 93.3% | 100.0% | 99.2% |
| Operating Margin | 64.2% | 107.1% | 102.6% |
| Forward P/E | 6.4x | 6.9x | 7.5x |
| Total Debt | $13.07B | $64M | $111.86B |
| Cash & Equiv. | $279M | $505M | $2.04B |
CIM vs AGNC vs NLY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIM
AGNC
NLY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Chimera Investment … (CIM) | 100 | 54.3 | -45.7% |
| AGNC Investment Cor… (AGNC) | 100 | 82.8 | -17.2% |
| Annaly Capital Mana… (NLY) | 100 | 90.9 | -9.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIM vs AGNC vs NLY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AGNC and NLY are tied at the top with 3 categories each — the right choice depends on your priorities. Annaly Capital Management, Inc. is the stronger pick specifically for profitability and margin quality and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
CIM
Chimera Investment Corporation
The Real Estate Income Play
CIM is the clearest fit if your priority is value.
- Lower P/E (6.4x vs 7.5x)
Best for: value
AGNC
AGNC Investment Corp.
The Real Estate Income Play
AGNC has the current edge in this matchup, primarily because of its strength in growth exposure and long-term compounding.
- Rev growth 384.7%, EPS growth 17.6%, 3Y rev CAGR 26.4%
- 46.9% 10Y total return vs NLY's 35.5%
- 384.7% FFO/revenue growth vs NLY's 5.4%
Best for: growth exposure and long-term compounding
NLY
Annaly Capital Management, Inc.
The Real Estate Income Play
NLY is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.64, yield 13.1%
- Lower volatility, beta 0.64, current ratio 0.03x
- Beta 0.64, yield 13.1%, current ratio 0.03x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | AGNC | 384.7% FFO/revenue growth vs NLY's 5.4% |
| Value | CIM | Lower P/E (6.4x vs 7.5x) |
| Quality / Margins | NLY | 30.3% margin vs CIM's 3.9% |
| Stability / Safety | NLY | Beta 0.64 vs CIM's 0.81 |
| Dividends | AGNC | 14.7% yield, vs NLY's 13.1% |
| Momentum (1Y) | AGNC | +39.4% vs CIM's +25.7% |
| Efficiency (ROA) | NLY | 1.7% ROA vs CIM's 0.1%, ROIC 6.4% vs 4.1% |
CIM vs AGNC vs NLY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2018
Segment breakdown not available.
FY 2021
CIM vs AGNC vs NLY — Financial Metrics
Side-by-side numbers across 3 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNLYLAGGINGAGNC
AGNCAGNC Investment Corp.
1leads
CIMChimera Investment Co…
1leads
NLYAnnaly Capital Manage…
2leads
6 Total Categories
CATEGORYLEADERvs CIMvs AGNCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AGNC5/6
Valuation MetricsMultiples, price ratios, and targets
CIM4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
Tied
—
Total Returns1Y, 3Y, 5Y total returns with dividends
NLY3/6
Risk & VolatilityBeta, volatility, and downside exposure
NLY2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
AGNC leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
NLY is the larger business by revenue, generating $6.7B annually — 13.4x CIM's $499M. NLY is the more profitable business, keeping 30.3% of every revenue dollar as net income compared to CIM's 3.9%. On growth, AGNC holds the edge at +2.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| RevenueTrailing 12 months | $499M | $3.5B | $6.7B |
| EBITDAEarnings before interest/tax | $434M | $3.7B | $6.9B |
| Net IncomeAfter-tax profit | $19M | $838M | $2.0B |
| Free Cash FlowCash after capex | -$54M | $604M | -$222M |
| Gross MarginGross profit ÷ Revenue | +93.3% | +100.0% | +99.2% |
| Operating MarginEBIT ÷ Revenue | +64.2% | +107.1% | +102.6% |
| Net MarginNet income ÷ Revenue | +3.9% | +24.2% | +30.3% |
| FCF MarginFCF ÷ Revenue | -10.9% | +17.5% | -3.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | -100.0% | +2.5% | -8.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -144.1% | +84.6% | +79.5% |
AGNC leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
CIM leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, CIM trades at a 57% valuation discount to AGNC's 11.5x P/E. On an enterprise value basis, AGNC's 2.4x EV/EBITDA is more attractive than NLY's 18.3x.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| Market CapShares × price | $1.1B | $9.6B | $16.1B |
| Enterprise ValueMkt cap + debt − cash | $13.9B | $9.2B | $125.9B |
| Trailing P/EPrice ÷ TTM EPS | 4.92x | 11.53x | 7.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.41x | 6.87x | 7.46x |
| PEG RatioP/E ÷ EPS growth rate | 0.10x | — | — |
| EV / EBITDAEnterprise value multiple | 18.04x | 2.42x | 18.32x |
| Price / SalesMarket cap ÷ Revenue | 1.38x | 1.97x | 2.40x |
| Price / BookPrice ÷ Book value/share | 0.44x | 0.86x | 0.89x |
| Price / FCFMarket cap ÷ FCF | — | 111.86x | — |
CIM leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
Evenly matched — AGNC and NLY each lead in 5 of 9 comparable metrics.
Profitability & Efficiency
NLY delivers a 14.1% return on equity — every $100 of shareholder capital generates $14 in annual profit, vs $1 for CIM. AGNC carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to NLY's 6.92x. On the Piotroski fundamental quality scale (0–9), AGNC scores 5/9 vs CIM's 3/9, reflecting solid financial health.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| ROE (TTM)Return on equity | +0.8% | +7.3% | +14.1% |
| ROA (TTM)Return on assets | +0.1% | +0.8% | +1.7% |
| ROICReturn on invested capital | +4.1% | +34.0% | +6.4% |
| ROCEReturn on capital employed | +8.3% | +4.9% | +19.7% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 | 5 |
| Debt / EquityFinancial leverage | 5.08x | 0.01x | 6.92x |
| Net DebtTotal debt minus cash | $12.8B | -$441M | $109.8B |
| Cash & Equiv.Liquid assets | $279M | $505M | $2.0B |
| Total DebtShort + long-term debt | $13.1B | $64M | $111.9B |
| Interest CoverageEBIT ÷ Interest expense | 1.42x | 1.32x | 1.42x |
Evenly matched — AGNC and NLY each lead in 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NLY leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NLY five years ago would be worth $10,144 today (with dividends reinvested), compared to $6,252 for CIM. Over the past 12 months, AGNC leads with a +39.4% total return vs CIM's +25.7%. The 3-year compound annual growth rate (CAGR) favors NLY at 17.0% vs CIM's 5.7% — a key indicator of consistent wealth creation.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| YTD ReturnYear-to-date | +9.8% | +2.5% | +0.8% |
| 1-Year ReturnPast 12 months | +25.7% | +39.4% | +31.7% |
| 3-Year ReturnCumulative with dividends | +18.2% | +58.3% | +60.1% |
| 5-Year ReturnCumulative with dividends | -37.5% | -2.2% | +1.4% |
| 10-Year ReturnCumulative with dividends | +19.1% | +46.9% | +35.5% |
| CAGR (3Y)Annualised 3-year return | +5.7% | +16.5% | +17.0% |
NLY leads this category, winning 3 of 6 comparable metrics.
Risk & Volatility
NLY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
NLY is the less volatile stock with a 0.64 beta — it tends to amplify market swings less than CIM's 0.81 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NLY currently trades 91.3% from its 52-week high vs AGNC's 87.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.81x | 0.74x | 0.64x |
| 52-Week HighHighest price in past year | $14.88 | $12.19 | $24.52 |
| 52-Week LowLowest price in past year | $11.67 | $8.65 | $18.43 |
| % of 52W HighCurrent price vs 52-week peak | +91.0% | +87.9% | +91.3% |
| RSI (14)Momentum oscillator 0–100 | 54.3 | 52.1 | 52.7 |
| Avg Volume (50D)Average daily shares traded | 728K | 18.2M | 7.0M |
NLY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AGNC and NLY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: CIM as "Hold", AGNC as "Hold", NLY as "Buy". Consensus price targets imply 9.4% upside for NLY (target: $25) vs 3.8% for AGNC (target: $11). For income investors, AGNC offers the higher dividend yield at 14.73% vs CIM's 7.57%.
| Metric | CIMChimera Investmen… | AGNCAGNC Investment C… | NLYAnnaly Capital Ma… |
|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold | Buy |
| Price TargetConsensus 12-month target | $14.25 | $11.13 | $24.50 |
| # AnalystsCovering analysts | 16 | 35 | 28 |
| Dividend YieldAnnual dividend ÷ price | +7.6% | +14.7% | +13.1% |
| Dividend StreakConsecutive years of raises | 0 | 0 | 1 |
| Dividend / ShareAnnual DPS | $1.02 | $1.58 | $2.94 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | +0.1% |
Evenly matched — AGNC and NLY each lead in 1 of 2 comparable metrics.
Key Takeaway
NLY leads in 2 of 6 categories (Total Returns, Risk & Volatility). AGNC leads in 1 (Income & Cash Flow). 2 tied.
Best OverallAnnaly Capital Management, … (NLY)Leads 2 of 6 categories
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CIM vs AGNC vs NLY: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is CIM or AGNC or NLY a better buy right now?
For growth investors, AGNC Investment Corp.
(AGNC) is the stronger pick with 384. 7% revenue growth year-over-year, versus 5. 4% for Annaly Capital Management, Inc. (NLY). Chimera Investment Corporation (CIM) offers the better valuation at 4. 9x trailing P/E (6. 4x forward), making it the more compelling value choice. Analysts rate Annaly Capital Management, Inc. (NLY) a "Buy" — based on 28 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CIM or AGNC or NLY?
On trailing P/E, Chimera Investment Corporation (CIM) is the cheapest at 4.
9x versus AGNC Investment Corp. at 11. 5x. On forward P/E, Chimera Investment Corporation is actually cheaper at 6. 4x.
03Which is the better long-term investment — CIM or AGNC or NLY?
Over the past 5 years, Annaly Capital Management, Inc.
(NLY) delivered a total return of +1. 4%, compared to -37. 5% for Chimera Investment Corporation (CIM). Over 10 years, the gap is even starker: AGNC returned +46. 9% versus CIM's +19. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CIM or AGNC or NLY?
By beta (market sensitivity over 5 years), Annaly Capital Management, Inc.
(NLY) is the lower-risk stock at 0. 64β versus Chimera Investment Corporation's 0. 81β — meaning CIM is approximately 26% more volatile than NLY relative to the S&P 500. On balance sheet safety, AGNC Investment Corp. (AGNC) carries a lower debt/equity ratio of 1% versus 7% for Annaly Capital Management, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIM or AGNC or NLY?
By revenue growth (latest reported year), AGNC Investment Corp.
(AGNC) is pulling ahead at 384. 7% versus 5. 4% for Annaly Capital Management, Inc. (NLY). On earnings-per-share growth, the picture is similar: AGNC Investment Corp. grew EPS 1760% year-over-year, compared to 80. 2% for Annaly Capital Management, Inc.. Over a 3-year CAGR, AGNC leads at 26. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CIM or AGNC or NLY?
Annaly Capital Management, Inc.
(NLY) is the more profitable company, earning 30. 3% net margin versus 17. 7% for AGNC Investment Corp. — meaning it keeps 30. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NLY leads at 102. 6% versus 79. 6% for AGNC. At the gross margin level — before operating expenses — AGNC leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CIM or AGNC or NLY more undervalued right now?
On forward earnings alone, Chimera Investment Corporation (CIM) trades at 6.
4x forward P/E versus 7. 5x for Annaly Capital Management, Inc. — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for NLY: 9. 4% to $24. 50.
08Which pays a better dividend — CIM or AGNC or NLY?
All stocks in this comparison pay dividends.
AGNC Investment Corp. (AGNC) offers the highest yield at 14. 7%, versus 7. 6% for Chimera Investment Corporation (CIM).
09Is CIM or AGNC or NLY better for a retirement portfolio?
For long-horizon retirement investors, Annaly Capital Management, Inc.
(NLY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 64), 13. 1% yield). Both have compounded well over 10 years (NLY: +35. 5%, CIM: +19. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CIM and AGNC and NLY?
Both stocks operate in the Real Estate sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CIM is a small-cap high-growth stock; AGNC is a small-cap high-growth stock; NLY is a mid-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CIM: -100.0% · AGNC: 245.9%)Net Margin>
%
(CIM: 3.9% · AGNC: 24.2%)P/E Ratio<
x
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