Contrasting Chime Financial (NASDAQ:CHYM) & TaoWeave (NASDAQ:TWAV)

Chime Financial (NASDAQ:CHYM) and TaoWeave (NASDAQ:TWAV) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, profitability, institutional ownership, dividends and risk.

Valuation and Earnings

This table compares Chime Financial and TaoWeave”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chime Financial	$2.19 billion	4.61	-$1.01 billion	($0.07)	-380.57
TaoWeave	$2.44 million	2.49	-$6.36 million	($1.60)	-0.98

TaoWeave has lower revenue, but higher earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than TaoWeave, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of current recommendations and price targets for Chime Financial and TaoWeave, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	2	16	3	2.95
TaoWeave	1	0	0	0	1.00

Chime Financial presently has a consensus price target of $36.53, indicating a potential upside of 37.11%. Given Chime Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Chime Financial is more favorable than TaoWeave.

Volatility and Risk

Chime Financial has a beta of 0.6, suggesting that its share price is 40% less volatile than the S&P 500. Comparatively, TaoWeave has a beta of 2.55, suggesting that its share price is 155% more volatile than the S&P 500.

Profitability

This table compares Chime Financial and TaoWeave’s 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%
TaoWeave	-272.06%	-108.74%	-94.22%

Institutional & Insider Ownership

2.0% of TaoWeave shares are owned by institutional investors. 12.3% of Chime Financial shares are owned by insiders. Comparatively, 2.7% of TaoWeave shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

Chime Financial beats TaoWeave on 11 of the 15 factors compared between the two stocks.

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.

About TaoWeave

Oblong Inc., together with its subsidiaries, provides multi-stream collaboration technologies and managed services for video collaboration and network applications in the United States and internationally. The company operates in two segments, Collaboration Products and Managed Services. Its flagship product is Mezzanine that enables visual collaboration across multi-users, multi-screens, multi-devices, and multi-locations for video telepresence, laptop and application sharing, and whiteboard sharing and slides applications. The company also provides managed videoconferencing services; and remote service management, which provides an overlay to enterprise information technology and channel partner support organizations, as well as support and management services for customer video environments. In addition, it offers network services comprising Cloud Connect: Video that allows its customers to outsource the management of their video traffic to them and provides the customer’s office locations with a secure, dedicated video network connection to the Oblong Cloud for video communications; Cloud Connect: Converge, which offers customized multiprotocol label switching solutions; and Cloud Connect: Cross Connect that allows the customer to leverage existing carrier for the extension of a Layer 2 private line to its data center. Further, it provides professional services, such as software development, visual and interaction design, engineering, and project support services; and resells video equipment to its customers. Oblong Inc. is based in Conifer, Colorado.