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ZYBERNO

Stock Report

Updated Jun 2, 2026

Chiron Real Estate Inc. (GMRE)

Financial Services • NYSE

$33.60

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

27.0/100

POOR BUSINESS

Chiron Real Estate Inc. (GMRE) scores 27/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full GMRE quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

-19.7%

Overvalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

⚠ Significant divergence between Owner Earnings and Free Cash Flow (1.40×). Intrinsic Value and Brina Gap are likely overstated — acquisition-related D&A is inflating Owner Earnings. Verify earnings quality before acting.

🎯 Expected Annual Return →

-10.6%

5-year annualised assuming price converges to intrinsic value

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full GMRE valuation analysis · → View full GMRE Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-1.7%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.05x)

Operating Margin (Operational Efficiency):CRITICAL (0.0%)

Return on Capital (Capital Efficiency):CRITICAL (0.0%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Chiron Real Estate Inc. (GMRE) stock report — Zyberno Score 27/100 (POOR BUSINESS), Margin of Safety -19.7%, -11% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, Chiron Real Estate Inc. (GMRE) trades at $33.60 against an estimated intrinsic value per share of $28.07 — a -19.7% Margin of Safety based on Owner Earnings of $54.38M TTM, projected at -7.4% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of -10.6% annually.

Over the trailing twelve months, GMRE generated $54.38M in Owner Earnings. Capital was deployed as follows: $6.00M returned via share buybacks, $15.31M paid as dividends, $52.00M invested in capital expenditures. Owner Earnings have declined at 7.4% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:33.60

Market Cap:$444.70M

Valuation Multiples (3)

P/B Ratio:0.85x

P/S Ratio:2.93x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$451.00M

Ev Ebitda Ratio:10.07x

Pfcf Ratio:19.60x

B. Profitability Assessment

Return Metrics (2)

ROE:

-1.7%

📊 Click to view full GMRE ROE analysis →

ROA:-0.7%

Margin Analysis (2)

Net Margin Ttm:-5.9%

Ebitda Margin:29.5%

TTM Performance (1)

Net Margin Ttm:-5.9%

Yield Metrics (3)

Earnings Yield:-$2.92

Owner Earnings Yield:$12.23

Dividend Yield:3.4%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

-2.78

📊 Click to view full GMRE Earnings Surprise analysis →

EPS Surprise vs Expected:-10,614.3%

Latest Earnings Filed:2026-03-02

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):2.0%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-22.0%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-0.5%

Operating Cash Flow Growth Rate (Linear):-3.1%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.01x

Quick Ratio:0.01x

Cash Ratio:0.01x

Leverage Analysis (3)

Debt To Equity Ttm:0.05x

Debt-to-Equity Ratio:0.05x

Debt To Ebitda:0.32x

Coverage Ratios (2)

Interest Coverage Ratio:0.00x

Times Interest Earned:0.00

Capital Structure (4)

Working Capital:-709,186,000.00

Cash And Cash Equivalents:8,183,000.00

Long Term Debt:$13.34M

Net Debt:$6.31M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $151.65M

Linear Growth: 2.0%

📊 Click to view full GMRE Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00$0.00

Bottom Line Performance (3)

Net income TTM: -$8.97M

Linear Growth: -22.0%

📊 Click to view full GMRE Net Income analysis & methodology →

Income Before Tax:$0.00

Ebitda Ttm:44,805,000.00

Operating Expenses (5)

Operating Expenses:129,852,000.00

R And D Expense:0.00

Sga Expense:21,467,000.00

Income Tax Expense:$0.00

Interest Expense:31,820,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:56.4%

Ebitda Margin:29.5%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$1.24B

Current Assets:$8.18M

Ppe Net:1,495,394,000.00

Goodwill:5,903,000.00

Intangible Assets:$41.88M

Liability Structure (4)

Total Liabilities:717,369,000.00

Current Liabilities:717,369,000.00

Long Term Debt:$13.34M

Short Term Debt:$1.15M

Equity & Capital (3)

Equity:$520.65M

Retained Earnings:-$360.64M

Common Stock:100,000,000.00

Working Capital Items (3)

Accounts Receivable:6,800,000.00

Inventory:0.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:350,000.00

Stock Based Compensation:1,229,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $74.69M

Linear Growth: -3.1%

Free cash flow TTM: $22.69M

Linear Growth: -51.0%

📊 Click to view full GMRE Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$9.84M

Capital Expenditures Ttm:52,003,000.00

Financing Activities (3)

Financing Cash Flow:-$4.44M

Dividends Paid Ttm:15,306,000.00

Stock Repurchase:6,004,000.00

Capital Transactions (3)

Common Stock Issuance:9,896,000.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:44,805,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-1.00

Eps diluted TTM: -$0.98

Linear Growth: -12.5%

📊 Click to view full GMRE EPS analysis & methodology →

Earnings Per Share Ttm:-$0.68

Revenue & Cash Per Share (3)

Sales Per Share Ttm:11.46

Operating Cash Flow Per Share:$5.56

Fcf Per Share Ttm:1.71

Book Value & Capital (2)

Book Value Per Share:$39.34

Cash Per Share:0.62

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.12x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:22.30x

Days Sales Outstanding Ttm:16.37

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:16.37

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:45.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $54.38M

Linear Growth: -7.4%

📊 Click to view full GMRE Owner Earnings analysis & methodology →

Owner Earnings Per Share:$4.11

Owner Earnings Yield:$12.23

Growth Assessment (1)

Owner Earnings Growth Rate:-$7.36

Intrinsic Value Models (1)

Intrinsic Value:

$371.46M

📊 Click to view full GMRE DCF valuation →

Margin of Safety (1)

Margin Of Safety:

-19.7%

📊 Click to view full GMRE valuation analysis →

Return Scenarios (1)

Theoretical 5-Year Return:

-10.6%

📊 Click to view full GMRE expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):2.0%

Net Income Growth Rate (Linear):-22.0%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-0.5%

Operating Cash Flow Growth Rate (Linear):-3.1%

Other Growth Rates (2)

Book Value Growth Rate (Linear):-6.8%

Owner Earnings Growth Rate:-$7.36

C. Company Profile & Context

Corporate Information (6)

Symbol:GMRE

Company Name:Chiron Real Estate Inc.

Sector:Financial Services

Industry:Real Estate

Exchange:NYSE

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:13.24M

Shares Outstanding Basic:13.24M

Shares Outstanding Diluted:13.24M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-06-02 20:34:23 UTC

Data Timestamp:2026-06-02T20:34:23.511837