Neostellar Capital (NASDAQ:NSLR – Get Free Report) and Chime Financial (NASDAQ:CHYM – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, analyst recommendations, earnings, risk, valuation and dividends.
Risk and Volatility
Neostellar Capital has a beta of 1.49, meaning that its stock price is 49% more volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500.
Earnings and Valuation
This table compares Neostellar Capital and Chime Financial”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Neostellar Capital | $1.69 million | 96.48 | $48.81 million | $2.95 | 2.09 |
| Chime Financial | $2.19 billion | 5.75 | -$1.01 billion | $0.19 | 174.91 |
Neostellar Capital has higher earnings, but lower revenue than Chime Financial. Neostellar Capital is trading at a lower price-to-earnings ratio than Chime Financial, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Neostellar Capital and Chime Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Neostellar Capital | 5,128.31% | -11.78% | -9.57% |
| Chime Financial | 3.05% | 6.72% | 4.80% |
Analyst Ratings
This is a summary of current recommendations and price targets for Neostellar Capital and Chime Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Neostellar Capital | 0 | 1 | 4 | 1 | 3.00 |
| Chime Financial | 0 | 3 | 17 | 3 | 3.00 |
Neostellar Capital presently has a consensus target price of $12.75, suggesting a potential upside of 106.98%. Chime Financial has a consensus target price of $39.47, suggesting a potential upside of 18.78%. Given Neostellar Capital’s higher probable upside, analysts plainly believe Neostellar Capital is more favorable than Chime Financial.
Institutional & Insider Ownership
13.0% of Neostellar Capital shares are owned by institutional investors. 8.3% of Neostellar Capital shares are owned by company insiders. Comparatively, 12.3% of Chime Financial shares 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.
About Neostellar Capital
SuRo Capital Corp. is a business development company. The firm seeks to invest in growing, late stage, venture capital-backed private companies. SuRo Capital Corp. was founded in 2010 and is based in San Francisco, California.
About Chime Financial
Chime Financial operates a digital financial services platform for consumers in the United States. Through its mobile app, the company offers spending and savings accounts, debit cards and tools for managing money. Its products also include credit-building services and features designed to help customers access direct deposits and avoid certain common banking fees. Founded in 2012 by Chris Britt and Ryan King, Chime is a financial technology company, not a bank. Banking services are provided through partner banks, including The Bancorp Bank, N.A., and Stride Bank, N.A. Chris Britt has served as the company’s chief executive officer.
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