What is Cherry Hill Mtg Invt Corp's earnings per share (EPS)?

Cherry Hill Mtg Invt Corp (CHMI) reported diluted earnings per share of $-0.09 for fiscal year 2025. This represents a -228.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cherry Hill Mtg Invt Corp Financials

CHMI

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Cherry Hill Mtg Invt Corp (CHMI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CHMI FY2025 2026-05-07

Balance-sheet leverage and externally supported payouts dominate a business whose earnings are small relative to a $1.54B asset base.

FY2025 operating cash flow turned positive at $19.1M after -$4.7M in FY2024, even though reported profit was lower. That mix points to better earnings quality, but the $28.7M dividend still ran ahead of internally generated cash, leaving financing inflows to help complete the payout.

With $1.54B of assets supported by only $236.0M of equity, the company is structurally leveraged. FY2025 return on assets was just 0.5% and return on equity 2.9%, which is the profile of a business earning thin spreads on a large balance sheet rather than wide margins on sales.

Cash of $54.9M sits against $1.30B of liabilities, so liquidity depends on financed assets more than on a large cash buffer. Interest expense of $49.8M exceeded reported revenue of $23.3M, a clue that the income statement is being driven by balance-sheet spread mechanics rather than conventional sales volume.

Financial Health Signals

Financial health score pending refresh

We are recalculating Cherry Hill Mtg Invt Corp's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Partial

4/8

Cherry Hill Mtg Invt Corp passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.75x

For every $1 of reported earnings, Cherry Hill Mtg Invt Corp generates $2.75 in operating cash flow ($19.1M OCF vs $6.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$23.3M

YoY-32.5%

10Y CAGR+37.6%

Cherry Hill Mtg Invt Corp generated $23.3M in revenue in fiscal year 2025. This represents a decrease of 32.5% from the prior year.

EBITDA

N/A

Net Income

$6.9M

YoY-43.1%

10Y CAGR-6.2%

Cherry Hill Mtg Invt Corp reported $6.9M in net income in fiscal year 2025. This represents a decrease of 43.1% from the prior year.

EPS (Diluted)

$-0.09

YoY-228.6%

Cherry Hill Mtg Invt Corp earned $-0.09 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 228.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$54.9M

YoY+18.6%

5Y CAGR-8.1%

10Y CAGR+17.9%

Cherry Hill Mtg Invt Corp held $54.9M in cash against $146.3M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.50

YoY-16.7%

5Y CAGR-16.2%

10Y CAGR-12.9%

Cherry Hill Mtg Invt Corp paid $0.50 per share in dividends in fiscal year 2025. This represents a decrease of 16.7% from the prior year.

Shares Outstanding

37M

YoY+16.2%

5Y CAGR+16.6%

10Y CAGR+17.2%

Cherry Hill Mtg Invt Corp had 37M shares outstanding in fiscal year 2025. This represents an increase of 16.2% from the prior year.

Margins & Returns

Gross Margin

60.2%

YoY-3.9pp

Cherry Hill Mtg Invt Corp's gross margin was 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 3.9 percentage points from the prior year.

Operating Margin

N/A

Net Margin

29.8%

YoY-5.5pp

10Y CAGR-1349.6pp

Cherry Hill Mtg Invt Corp's net profit margin was 29.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.5 percentage points from the prior year.

Return on Equity

2.9%

YoY-2.4pp

5Y CAGR+20.1pp

10Y CAGR-5.8pp

Cherry Hill Mtg Invt Corp's ROE was 2.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.4 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

N/A

CHMI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$23.3M-32.5%	$34.6M	N/A	$40.2M+42.8%	$28.1M	N/A
Cost of Revenue	$9.3M-25.3%	$12.4M+10.4%	$11.2M-5.0%	$11.8M-13.1%	$13.6M-39.8%	$22.6M
Gross Profit	$14.0M-36.6%	$22.2M+168.3%	-$32.5M-214.4%	$28.4M+95.4%	$14.5M+118.3%	-$79.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$7.7M-27.7%	$10.7M+65.6%	$6.4M+10.7%	$5.8M-16.8%	$7.0M-9.8%	$7.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$49.8M-10.7%	$55.8M+8.0%	$51.6M+194.0%	$17.6M+204.5%	$5.8M-73.9%	$22.1M
Income Tax	$2.2M-46.4%	$4.1M+684.3%	$523K-89.7%	$5.1M+549.2%	$781K+104.2%	-$18.8M
Net Income	$6.9M-43.1%	$12.2M+134.4%	-$35.5M-259.8%	$22.2M+77.1%	$12.5M+123.5%	-$53.2M
EPS (Diluted)	$-0.09-228.6%	$0.07+104.1%	$-1.70-383.3%	$0.60+328.6%	$0.14+103.8%	$-3.67

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$4.6M-60.5%	$11.8M+37.2%	$8.6M+42.0%	$6.0M	N/A	$18.7M	N/A	$6.6M
Cost of Revenue	$2.3M-7.7%	$2.5M+8.0%	$2.3M+17.7%	$2.0M-23.3%	$2.5M-18.5%	$3.1M-2.6%	$3.2M-7.2%	$3.5M
Gross Profit	$2.4M-74.7%	$9.3M+47.9%	$6.3M+53.6%	$4.1M+173.0%	-$5.6M-135.9%	$15.6M+251.7%	-$10.3M-429.2%	$3.1M
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$1.7M+9.7%	$1.5M-28.3%	$2.2M+10.6%	$1.9M-5.4%	$2.1M-17.9%	$2.5M-22.5%	$3.2M+1.1%	$3.2M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$11.4M-9.8%	$12.6M+2.3%	$12.3M+1.4%	$12.2M-3.7%	$12.6M-12.2%	$14.4M+1.2%	$14.2M+5.2%	$13.5M
Income Tax	$939K+51.7%	$619K+118.0%	$284K-74.7%	$1.1M+548.0%	$173K-92.9%	$2.5M+759.6%	$285K-57.1%	$664K
Net Income	$429K-94.5%	$7.9M+74.0%	$4.5M+189.2%	$1.6M+122.3%	-$7.0M-159.2%	$11.8M+194.9%	-$12.4M-1687.2%	$784K
EPS (Diluted)	$-0.05	N/A	$0.05+266.7%	$-0.03+89.7%	$-0.29	N/A	$-0.49-716.7%	$-0.06

CHMI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B+3.3%	$1.5B+7.0%	$1.4B-1.1%	$1.4B+8.1%	$1.3B-18.2%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54.9M+18.6%	$46.3M-12.4%	$52.9M-7.7%	$57.3M-10.3%	$63.9M-23.8%	$83.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.3B+3.5%	$1.3B+10.8%	$1.1B-0.8%	$1.1B+11.6%	$1.0B-20.1%	$1.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$146.3M-3.8%	$152.1M-10.8%	$170.5M-7.6%	$184.5M+26.4%	$146.0M+30.9%	$111.5M
Total Equity	$236.0M+2.5%	$230.3M-9.8%	$255.5M-2.5%	$262.0M-5.0%	$275.9M-11.1%	$310.2M
Retained Earnings	-$270.4M-8.3%	-$249.6M-7.1%	-$233.2M-38.0%	-$169.0M-6.6%	-$158.5M-11.6%	-$142.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$1.5B-1.4%	$1.5B+1.3%	$1.5B+2.1%	$1.5B+2.8%	$1.4B-2.8%	$1.5B-3.9%	$1.6B+9.5%	$1.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$46.7M-15.0%	$54.9M-0.9%	$55.4M-4.5%	$58.0M+22.7%	$47.3M+2.1%	$46.3M-7.7%	$50.2M-4.3%	$52.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.3B-1.1%	$1.3B+1.2%	$1.3B+2.2%	$1.3B+3.1%	$1.2B-3.0%	$1.3B-4.1%	$1.3B+11.3%	$1.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$144.3M-1.4%	$146.3M-1.2%	$148.0M-1.4%	$150.1M0.0%	$150.1M-1.3%	$152.1M+0.2%	$151.8M-5.4%	$160.5M
Total Equity	$228.1M-3.3%	$236.0M+1.2%	$233.1M+1.4%	$229.9M+1.5%	$226.6M-1.6%	$230.3M-2.7%	$236.7M+0.9%	$234.5M
Retained Earnings	-$276.0M-2.1%	-$270.4M+0.6%	-$272.0M-0.6%	-$270.2M-2.4%	-$263.9M-5.7%	-$249.6M+1.7%	-$253.9M-8.3%	-$234.4M

CHMI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$19.1M+507.1%	-$4.7M-111.5%	$40.7M-32.1%	$59.9M+24.8%	$48.0M-23.0%	$62.4M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$66.7M+52.8%	-$141.3M-35.8%	-$104.1M+18.8%	-$128.2M-177.0%	$166.5M-86.8%	$1.3B
Financing Cash Flow	$39.3M-73.4%	$147.5M+119.5%	$67.2M+17.7%	$57.1M+121.3%	-$268.0M+79.1%	-$1.3B
Dividends Paid	$28.7M+1.7%	$28.2M-9.7%	$31.2M+1.3%	$30.8M+8.3%	$28.5M-12.0%	$32.3M
Share Buybacks	N/A	N/A	N/A	$0	$0-100.0%	$1.7M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$12.6M+51.0%	$8.4M+449.5%	-$2.4M-119.2%	$12.5M+1725.7%	$682K-88.5%	$5.9M+35.8%	$4.4M+7.5%	$4.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$28.5M+167.5%	-$42.3M-70.2%	-$24.8M-30.5%	-$19.0M-197.7%	$19.5M-26.3%	$26.4M+127.2%	-$96.9M-536.5%	-$15.2M
Financing Cash Flow	-$23.5M-174.1%	$31.7M+32.9%	$23.9M-5.5%	$25.3M+160.7%	-$41.6M-156.5%	-$16.2M-118.3%	$88.7M+423.3%	$17.0M
Dividends Paid	$6.1M-1.0%	$6.2M-21.6%	$7.9M+6.4%	$7.4M+1.9%	$7.2M-1.2%	$7.3M+3.9%	$7.1M+3.6%	$6.8M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

CHMI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	60.2%-3.9pp	64.1%	N/A	70.5%+19.0pp	51.6%	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	29.8%-5.5pp	35.3%	N/A	55.2%+10.7pp	44.5%	N/A
Return on Equity	2.9%-2.4pp	5.3%+19.2pp	-13.9%-22.4pp	8.5%+3.9pp	4.5%+21.7pp	-17.2%
Return on Assets	0.4%-0.4pp	0.8%+3.4pp	-2.5%-4.1pp	1.6%+0.6pp	1.0%+4.3pp	-3.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.62-0.0	0.660.0	0.67-0.0	0.70+0.2	0.53+0.2	0.36
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	50.7%-28.2pp	78.9%+5.7pp	73.2%+5.5pp	67.7%	N/A	83.3%	N/A	47.5%
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	9.3%-57.6pp	66.8%+14.1pp	52.7%+26.8pp	25.9%	N/A	63.1%	N/A	11.9%
Return on Equity	0.2%-3.1pp	3.3%+1.4pp	1.9%+1.3pp	0.7%+3.8pp	-3.1%-8.2pp	5.1%+10.4pp	-5.3%-5.6pp	0.3%
Return on Assets	0.0%-0.5pp	0.5%+0.2pp	0.3%+0.2pp	0.1%+0.6pp	-0.5%-1.3pp	0.8%+1.6pp	-0.8%-0.9pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.63+0.0	0.62-0.0	0.63-0.0	0.650.0	0.660.0	0.66+0.0	0.64-0.0	0.68
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Cherry Hill Mtg Invt Corp's annual revenue?

Cherry Hill Mtg Invt Corp (CHMI) reported $23.3M in total revenue for fiscal year 2025. This represents a -32.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Cherry Hill Mtg Invt Corp's revenue growing?

Cherry Hill Mtg Invt Corp (CHMI) revenue declined by 32.5% year-over-year, from $34.6M to $23.3M in fiscal year 2025.

Is Cherry Hill Mtg Invt Corp profitable?

Yes, Cherry Hill Mtg Invt Corp (CHMI) reported a net income of $6.9M in fiscal year 2025, with a net profit margin of 29.8%.

How much debt does Cherry Hill Mtg Invt Corp have?

As of fiscal year 2025, Cherry Hill Mtg Invt Corp (CHMI) had $54.9M in cash and equivalents against $146.3M in long-term debt.

What is Cherry Hill Mtg Invt Corp's gross margin?

Cherry Hill Mtg Invt Corp (CHMI) had a gross margin of 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Cherry Hill Mtg Invt Corp's net profit margin?

Cherry Hill Mtg Invt Corp (CHMI) had a net profit margin of 29.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cherry Hill Mtg Invt Corp pay dividends?

Yes, Cherry Hill Mtg Invt Corp (CHMI) paid $0.50 per share in dividends during fiscal year 2025.

What is Cherry Hill Mtg Invt Corp's return on equity (ROE)?

Cherry Hill Mtg Invt Corp (CHMI) has a return on equity of 2.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cherry Hill Mtg Invt Corp's operating cash flow?

Cherry Hill Mtg Invt Corp (CHMI) generated $19.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cherry Hill Mtg Invt Corp's total assets?

Cherry Hill Mtg Invt Corp (CHMI) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Cherry Hill Mtg Invt Corp have outstanding?

Cherry Hill Mtg Invt Corp (CHMI) had 37M shares outstanding as of fiscal year 2025.

What is Cherry Hill Mtg Invt Corp's debt-to-equity ratio?

Cherry Hill Mtg Invt Corp (CHMI) had a debt-to-equity ratio of 0.62 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Cherry Hill Mtg Invt Corp's return on assets (ROA)?

Cherry Hill Mtg Invt Corp (CHMI) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Cherry Hill Mtg Invt Corp's Piotroski F-Score?

Cherry Hill Mtg Invt Corp (CHMI) has a Piotroski F-Score of 4 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cherry Hill Mtg Invt Corp's earnings high quality?

Cherry Hill Mtg Invt Corp (CHMI) has an earnings quality ratio of 2.75x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.