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Side-by-side financial comparison of CHIMERA INVESTMENT CORP (CIM) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $66.2M, roughly 1.2× CHIMERA INVESTMENT CORP). CHIMERA INVESTMENT CORP runs the higher net margin — 42.8% vs -178.3%, a 221.1% gap on every dollar of revenue. On growth, CHIMERA INVESTMENT CORP posted the faster year-over-year revenue change (0.5% vs 0.4%). Over the past eight quarters, CHIMERA INVESTMENT CORP's revenue compounded faster (0.8% CAGR vs -1.3%).
Chimera Investment Corp is a US-based real estate investment trust (REIT) primarily investing in residential mortgage-backed securities, residential and commercial mortgage loans, and other real estate-related financial assets. It delivers sustainable risk-adjusted returns for shareholders via regular dividend distributions from its investment portfolio.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
CIM vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $66.2M | $78.6M |
| Net Profit | $28.3M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 42.6% | -182.2% |
| Net Margin | 42.8% | -178.3% |
| Revenue YoY | 0.5% | 0.4% |
| Net Profit YoY | 119.3% | -3304.1% |
| EPS (diluted) | $0.05 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $66.2M | $78.6M | ||
| Q3 25 | $65.0M | $77.7M | ||
| Q2 25 | $66.0M | $75.6M | ||
| Q1 25 | $69.2M | $77.3M | ||
| Q4 24 | $65.8M | $78.3M | ||
| Q3 24 | $66.5M | $79.1M | ||
| Q2 24 | $67.3M | $74.9M | ||
| Q1 24 | $65.1M | $80.7M |
| Q4 25 | $28.3M | $-140.1M | ||
| Q3 25 | $-580.0K | $-6.4M | ||
| Q2 25 | $35.5M | $-102.3M | ||
| Q1 25 | $167.3M | $-7.9M | ||
| Q4 24 | $-146.5M | $-4.1M | ||
| Q3 24 | $136.5M | $3.2M | ||
| Q2 24 | $56.7M | $-4.1M | ||
| Q1 24 | $129.5M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 42.6% | -182.2% | ||
| Q3 25 | -0.5% | -3.9% | ||
| Q2 25 | 54.3% | -138.7% | ||
| Q1 25 | — | -4.7% | ||
| Q4 24 | -222.6% | -1.5% | ||
| Q3 24 | — | -0.9% | ||
| Q2 24 | 84.2% | -4.6% | ||
| Q1 24 | — | -3.1% |
| Q4 25 | 42.8% | -178.3% | ||
| Q3 25 | -0.9% | -8.3% | ||
| Q2 25 | 53.7% | -135.2% | ||
| Q1 25 | 241.7% | -10.3% | ||
| Q4 24 | -222.6% | -5.3% | ||
| Q3 24 | 205.4% | 4.1% | ||
| Q2 24 | 84.2% | -5.4% | ||
| Q1 24 | 198.8% | -6.5% |
| Q4 25 | $0.05 | $-1.68 | ||
| Q3 25 | $-0.27 | $-0.08 | ||
| Q2 25 | $0.17 | $-1.15 | ||
| Q1 25 | $1.77 | $-0.09 | ||
| Q4 24 | $-2.06 | $-0.04 | ||
| Q3 24 | $1.39 | $0.03 | ||
| Q2 24 | $0.41 | $-0.04 | ||
| Q1 24 | $1.36 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $278.6M | $115.7M |
| Total DebtLower is stronger | $251.5M | $280.1M |
| Stockholders' EquityBook value | $2.6B | $484.4M |
| Total Assets | $15.8B | $1.2B |
| Debt / EquityLower = less leverage | 0.10× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $278.6M | $115.7M | ||
| Q3 25 | $491.5M | $95.7M | ||
| Q2 25 | $250.2M | $162.6M | ||
| Q1 25 | $253.3M | $165.5M | ||
| Q4 24 | $84.0M | $189.5M | ||
| Q3 24 | $97.3M | $168.7M | ||
| Q2 24 | $162.3M | $147.1M | ||
| Q1 24 | $169.0M | $128.3M |
| Q4 25 | $251.5M | $280.1M | ||
| Q3 25 | $251.0M | $279.5M | ||
| Q2 25 | $135.2M | $279.0M | ||
| Q1 25 | $134.9M | $497.6M | ||
| Q4 24 | $134.6M | $496.8M | ||
| Q3 24 | $134.4M | $496.2M | ||
| Q2 24 | $62.4M | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $2.6B | $484.4M | ||
| Q3 25 | $2.6B | $616.9M | ||
| Q2 25 | $2.6B | $633.7M | ||
| Q1 25 | $2.6B | $755.7M | ||
| Q4 24 | $2.5B | $761.3M | ||
| Q3 24 | $2.7B | $754.7M | ||
| Q2 24 | $2.6B | $815.4M | ||
| Q1 24 | $2.6B | $813.8M |
| Q4 25 | $15.8B | $1.2B | ||
| Q3 25 | $15.1B | $1.3B | ||
| Q2 25 | $14.9B | $1.4B | ||
| Q1 25 | $13.2B | $1.5B | ||
| Q4 24 | $13.1B | $1.6B | ||
| Q3 24 | $13.7B | $1.6B | ||
| Q2 24 | $13.1B | $1.5B | ||
| Q1 24 | $12.5B | $1.5B |
| Q4 25 | 0.10× | 0.58× | ||
| Q3 25 | 0.10× | 0.45× | ||
| Q2 25 | 0.05× | 0.44× | ||
| Q1 25 | 0.05× | 0.66× | ||
| Q4 24 | 0.05× | 0.65× | ||
| Q3 24 | 0.05× | 0.66× | ||
| Q2 24 | 0.02× | 0.53× | ||
| Q1 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-248.9M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | -8.78× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-248.9M | $23.3M | ||
| Q3 25 | $-137.5M | $32.2M | ||
| Q2 25 | $-7.4M | $33.1M | ||
| Q1 25 | $48.8M | $2.5M | ||
| Q4 24 | $205.7M | $34.3M | ||
| Q3 24 | $41.4M | $60.1M | ||
| Q2 24 | $69.0M | $31.0M | ||
| Q1 24 | $57.3M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | -8.78× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | -0.21× | — | ||
| Q1 25 | 0.29× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.30× | 18.52× | ||
| Q2 24 | 1.22× | — | ||
| Q1 24 | 0.44× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIM
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
