Analyzing 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 competitors? We will compare Chime Financial to similar companies based on the strength of its earnings, analyst recommendations, profitability, dividends, valuation, institutional ownership and risk.

Earnings and Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-486.64
Chime Financial Competitors	$6.31 billion	$1.08 billion	9.82

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

Risk and Volatility

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

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Chime Financial and its competitors, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	2	17	4	3.00
Chime Financial Competitors	1901	6736	11422	414	2.51

Chime Financial currently has a consensus price target of $35.85, indicating a potential upside of 5.24%. As a group, “Financial Services” companies have a potential upside of 2.02%. Given Chime Financial’s stronger consensus rating and higher possible upside, research analysts plainly believe Chime Financial is more favorable than its competitors.

Insider and Institutional Ownership

43.2% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by insiders. Comparatively, 22.1% of shares of all “Financial Services” companies are held by 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.

Profitability

This table compares Chime Financial and its competitors’ 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	-407.52%	-22.02%	-5.73%

Summary

Chime Financial beats its competitors 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.