Corpay (NYSE:CPAY) vs. Chime Financial (NASDAQ:CHYM) Head to Head Analysis

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

Risk & Volatility

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

Analyst Ratings

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

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

Chime Financial currently has a consensus price target of $35.00, suggesting a potential upside of 7.13%. Corpay has a consensus price target of $438.93, suggesting a potential upside of 7.24%. Given Corpay’s higher probable upside, analysts clearly believe Corpay is more favorable than Chime Financial.

Institutional & Insider Ownership

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

Valuation & Earnings

This table compares Chime Financial and Corpay”s gross 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	5.66	-$1.01 billion	($0.07)	-466.71
Corpay	$4.53 billion	5.93	$1.07 billion	$16.43	24.91

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.

Profitability

This table compares Chime Financial and Corpay’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%
Corpay	22.72%	42.18%	6.34%

Summary

Corpay beats Chime Financial 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 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.