Reviewing Chime Financial (NASDAQ:CHYM) & SHF (NASDAQ:SHFS)

SHF (NASDAQ:SHFS) and Chime Financial (NASDAQ:CHYM) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, earnings, analyst recommendations, valuation and profitability.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
SHF	-47.33%	-90.25%	-41.71%
Chime Financial	-0.74%	-1.28%	-0.92%

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
SHF	$7.67 million	0.08	-$2.16 million	($0.99)	-1.19
Chime Financial	$2.19 billion	4.72	-$1.01 billion	($0.07)	-389.29

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

Volatility & Risk

SHF has a beta of 0.87, suggesting that its share price is 13% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.84, suggesting that its share price is 16% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and recommmendations for SHF and Chime Financial, as reported by MarketBeat.com.

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

Chime Financial has a consensus price target of $36.53, indicating a potential upside of 34.04%. Given Chime Financial’s stronger consensus rating and higher possible upside, analysts plainly believe Chime Financial is more favorable than SHF.

Insider & Institutional Ownership

29.2% of SHF shares are held by institutional investors. 5.8% of SHF shares are held by company insiders. Comparatively, 12.3% of Chime Financial shares are held by company 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

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

About SHF

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments and origination, and wire payments. Its services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. The company was founded in 2015 and is based in Golden, Colorado. SHF Holdings, Inc. operates as a subsidiary of Partner Colorado Credit Union.

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.