CIMOHIGH SIGNALFINANCIAL10-K

CIMO underwent a dramatic financial turnaround with net income swinging from -$580K to $230.5M while simultaneously experiencing a massive 285% increase in interest expense and turning operating cash flow negative.

The extraordinary profit improvement alongside deteriorating cash flow fundamentals suggests potential non-cash gains or one-time items driving earnings that may not be sustainable. The company's financing costs have nearly tripled while operating activities are now consuming rather than generating cash, indicating significant stress on the underlying business model despite reported profitability.

Comparing 2026-02-18 vs 2025-02-19View on EDGAR →
FINANCIAL ANALYSIS

CIMO's financial profile shows contradictory signals with a remarkable earnings turnaround generating $231M in net income while core operational metrics deteriorated significantly. The company substantially increased its debt burden (+87%) and asset base (+21%), but interest expense surged 285% and operating cash flow turned deeply negative at -$249M from positive $206M, suggesting the earnings improvement may be driven by non-recurring items or unrealized gains rather than sustainable operational performance. The disconnect between reported profitability and cash generation raises questions about earnings quality and the company's ability to service its increased debt load.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+39841.2%
-$580K$230.5M

Net income grew 39841.2% — bottom-line growth signals improving overall business health.

Interest Expense
P&L
+285.5%
$132.2M$509.5M

Interest expense surged 285.5% — significant debt increase or rising rates materially impacting earnings.

Cash & Equivalents
Balance Sheet
+231.7%
$84.0M$278.6M

Cash position surged 231.7% — strong cash generation or capital raise providing significant financial cushion.

Operating Cash Flow
Cash Flow
-221%
$205.7M-$248.9M

Operating cash flow fell 221% — earnings quality concerns; investigate working capital changes and non-cash items.

Total Debt
Balance Sheet
+86.8%
$134.6M$251.5M

Debt increased 86.8% — substantial leverage increase; assess whether deployed for growth or covering losses.

Total Liabilities
Balance Sheet
+25%
$10.6B$13.2B

Liabilities increased 25% — monitor debt-to-equity ratio and interest coverage.

Total Assets
Balance Sheet
+20.5%
$13.1B$15.8B

Asset base grew 20.5% — expansion through organic growth, acquisitions, or capital deployment.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-19
ADDED
FORM 10-K SUMMARY 135 SIGNATURES 136 1 In this Annual Report on Form 10-K, references to we, us, our, Chimera or the Company refer to Chimera Investment Corporation and its subsidiaries unless specifically stated otherwise or the context otherwise indicates.
Government, such as the Government National Mortgage Association ( Ginnie Mae ); GSE refers to a government-sponsored enterprise, such as Fannie Mae, Freddie Mac and Ginnie Mae; FHFA refers to the Federal Housing Financing Agency; CFPB refers to the Consumer Financial Protection Bureau; VA refers to the U.S.
2 SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS We make forward-looking statements in this report that are subject to risks and uncertainties.
Business The Company We are a diversified real estate company that invests in, originates, and manages primarily residential real estate assets.
The assets we may invest in and manage for others, through our wholly-owned subsidiary Palisades Advisory Services LLC ( PAS ), include residential mortgage loans, Non-Agency RMBS, Agency RMBS, business purpose loans (including RTLs) and investor loans, MSRs and other real estate-related assets such as Agency CMBS, junior liens and HELOCs, equity appreciation rights, and reverse mortgages.
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REMOVED
FORM 10-K SUMMARY 135 SIGNATURES 136 1 SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS We make forward-looking statements in this report that are subject to risks and uncertainties.
In this Annual Report on Form 10-K, references to we, us, our or the Company refer to Chimera Investment Corporation and its subsidiaries unless specifically stated otherwise or the context otherwise indicates.
Business The Company We are a publicly traded REIT that is primarily engaged in the business of investing in a diversified portfolio of mortgage assets for ourselves and for unrelated third parties through our third-party investment management and advisory services.
The assets we may invest in and manage for others include residential mortgage loans, Non-Agency RMBS, Agency RMBS, business purpose loans ( BPLs ) (including residential transition loans ( RTLs )) and investor loans, mortgage servicing rights ( MSRs ) and other real estate-related assets such as Agency CMBS, junior liens and home equity lines of credit, or HELOCs, equity appreciation rights, and reverse mortgages.
The MBS and other real estate-related securities we purchase may include investment-grade, non-investment grade, and non-rated securities.
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