Financial Comparison: Chime Financial (NASDAQ:CHYM) and Corpay (NYSE:CPAY)

Corpay (NYSE:CPAY) and Chime Financial (NASDAQ:CHYM) are both large-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, risk, earnings, dividends, institutional ownership, valuation and profitability.

Profitability

This table compares Corpay and Chime Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Corpay	22.72%	42.18%	6.34%
Chime Financial	-0.74%	-1.28%	-0.92%

Valuation & Earnings

This table compares Corpay and Chime Financial”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Corpay	$5.02 billion	5.35	$1.07 billion	$16.43	24.88
Chime Financial	$2.19 billion	5.71	-$1.01 billion	($0.07)	-471.43

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

Volatility and Risk

Corpay has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations for Corpay and Chime Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Corpay	0	3	12	0	2.80
Chime Financial	1	3	16	4	2.96

Corpay presently has a consensus target price of $438.93, suggesting a potential upside of 7.39%. Chime Financial has a consensus target price of $35.00, suggesting a potential upside of 6.06%. Given Corpay’s higher possible upside, equities analysts clearly believe Corpay is more favorable than Chime Financial.

Insider and Institutional Ownership

98.8% of Corpay shares are held by institutional investors. 5.2% of Corpay shares are held by insiders. Comparatively, 12.3% of Chime Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Corpay beats Chime Financial on 10 of the 15 factors compared between the two stocks.

About Corpay

Volatus is a leader in innovative global aerial solutions for intelligence and cargo. With over 100 years of combined institutional knowledge in aviation, Volatus provides comprehensive solutions using both piloted and remotely piloted aircraft systems for a wide array of industries, including oil and gas, energy utilities, healthcare, public safety, and infrastructure. The Company is committed to enhancing operational efficiency, safety, and sustainability through cutting-edge aerial technologies.

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.