Financial Review: Chime Financial (CHYM) and Its Competitors

Chime Financial (NASDAQ:CHYM) is one of 343 publicly-traded companies in the “Financial Services” industry, but how does it contrast to its peers? We will compare Chime Financial to similar businesses based on the strength of its dividends, institutional ownership, profitability, analyst recommendations, earnings, risk and valuation.

Profitability

This table compares Chime Financial and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chime Financial	-0.74%	-1.28%	-0.92%
Chime Financial Competitors	-407.42%	-21.88%	-5.62%

Valuation and Earnings

This table compares Chime Financial and its peers top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-466.71
Chime Financial Competitors	$6.31 billion	$1.08 billion	9.32

Chime Financial’s peers have higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Risk & Volatility

Chime Financial has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Chime Financial’s peers have a beta of 2.27, indicating that their average stock price is 127% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and target prices for Chime Financial and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	16	4	2.96
Chime Financial Competitors	1892	6727	11415	414	2.51

Chime Financial presently has a consensus target price of $35.00, suggesting a potential upside of 7.13%. As a group, “Financial Services” companies have a potential upside of 3.81%. Given Chime Financial’s stronger consensus rating and higher possible upside, equities analysts clearly believe Chime Financial is more favorable than its peers.

Institutional and Insider Ownership

43.2% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by company insiders. Comparatively, 22.0% of shares of all “Financial Services” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

Chime Financial beats its peers on 7 of the 13 factors compared.

Chime Financial Company Profile

Chime is a financial technology company that partners with federally regulated, FDIC-insured banks—The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC—to provide consumer banking products and services. The company’s model is designed to eliminate common fees and simplify access to basic financial services.

Chime does not charge overdraft fees, monthly service fees, or require minimum balances. All account balances are held at partner banks and protected by applicable regulatory safeguards to ensure funds remain secure and accessible.