Critical Contrast: Chime Financial (CHYM) & Its Competitors

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

Valuation & Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-470.10
Chime Financial Competitors	$6.61 billion	$1.06 billion	10.48

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.

Insider and Institutional Ownership

42.6% of shares of all “Financial Services” companies are owned by institutional investors. 12.3% of Chime Financial shares are owned by company insiders. Comparatively, 21.6% of shares of all “Financial Services” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility and Risk

Chime Financial has a beta of 0.31, suggesting that its share price is 69% less volatile than the S&P 500. Comparatively, Chime Financial’s peers have a beta of 2.25, suggesting that their average share price is 125% more volatile than the S&P 500.

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	-405.54%	-19.36%	-6.48%

Analyst Ratings

This is a breakdown of recent recommendations for Chime Financial and its peers, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	14	4	2.95
Chime Financial Competitors	1885	6762	11448	411	2.51

Chime Financial presently has a consensus price target of $31.39, suggesting a potential downside of 4.61%. As a group, “Financial Services” companies have a potential upside of 5.63%. Given Chime Financial’s peers higher probable upside, analysts clearly believe Chime Financial has less favorable growth aspects than its peers.

Summary

Chime Financial peers beat Chime Financial 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.