Chime Financial (CHYM) versus Its Rivals Critical Contrast

Chime Financial (NASDAQ:CHYM) is one of 345 public companies in the “Financial Services” industry, but how does it compare to its competitors? We will compare Chime Financial to similar companies based on the strength of its dividends, risk, earnings, valuation, profitability, analyst recommendations and institutional ownership.

Volatility and Risk

Chime Financial has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500. Comparatively, Chime Financial’s competitors have a beta of 2.26, suggesting that their average stock price is 126% more volatile than the S&P 500.

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	-405.59%	-21.92%	-5.67%

Insider and Institutional Ownership

43.0% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by company insiders. Comparatively, 21.8% of shares of all “Financial Services” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Chime Financial and its competitors top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-480.43
Chime Financial Competitors	$24.20 billion	$1.07 billion	11.09

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.

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	15	4	2.96
Chime Financial Competitors	1891	6808	11510	414	2.51

Chime Financial currently has a consensus target price of $32.74, suggesting a potential downside of 2.66%. As a group, “Financial Services” companies have a potential upside of 3.63%. Given Chime Financial’s competitors higher possible upside, analysts plainly believe Chime Financial has less favorable growth aspects than its competitors.

Summary

Chime Financial competitors beat Chime Financial 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.