Chime Financial (CHYM) and Its Peers Head to Head Analysis

Chime Financial (NASDAQ:CHYM) is one of 347 publicly-traded companies in the “Financial Services” industry, but how does it contrast to its rivals? We will compare Chime Financial to similar companies based on the strength of its dividends, valuation, earnings, profitability, institutional ownership, analyst recommendations and risk.

Profitability

This table compares Chime Financial and its rivals’ 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	-405.64%	-19.45%	-6.49%

Valuation & Earnings

This table compares Chime Financial and its rivals gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-465.57
Chime Financial Competitors	$23.93 billion	$1.05 billion	11.65

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

Insider and Institutional Ownership

42.7% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by company insiders. Comparatively, 21.7% of shares of all “Financial Services” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent recommendations for Chime Financial and its rivals, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	14	4	2.95
Chime Financial Competitors	1897	6781	11466	414	2.51

Chime Financial currently has a consensus price target of $32.00, indicating a potential downside of 1.81%. As a group, “Financial Services” companies have a potential upside of 4.63%. Given Chime Financial’s rivals higher possible upside, analysts plainly believe Chime Financial has less favorable growth aspects than its rivals.

Volatility and Risk

Chime Financial has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500. Comparatively, Chime Financial’s rivals have a beta of 2.25, indicating that their average stock price is 125% more volatile than the S&P 500.

Summary

Chime Financial rivals beat Chime Financial on 7 of the 13 factors compared.

About Chime Financial

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.