Financial Survey: Chime Financial (CHYM) & The Competition

Chime Financial (NASDAQ:CHYM) is one of 350 public companies in the “Financial Services” industry, but how does it weigh in compared to its rivals? We will compare Chime Financial to similar businesses based on the strength of its profitability, dividends, institutional ownership, risk, valuation, analyst recommendations and earnings.

Profitability

This table compares Chime Financial and its rivals’ 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	-425.24%	-21.00%	-6.80%

Institutional and Insider Ownership

42.4% of shares of all “Financial Services” companies are owned by institutional investors. 12.3% of Chime Financial shares are owned by insiders. Comparatively, 21.8% of shares of all “Financial Services” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	14	3	2.90
Chime Financial Competitors	1872	6708	11311	405	2.50

Chime Financial currently has a consensus price target of $31.06, suggesting a potential upside of 2.64%. As a group, “Financial Services” companies have a potential downside of 4.12%. Given Chime Financial’s stronger consensus rating and higher probable upside, equities analysts plainly believe Chime Financial is more favorable than its rivals.

Earnings & Valuation

This table compares Chime Financial and its rivals revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-432.24
Chime Financial Competitors	$20.91 billion	$1.04 billion	8.73

Chime Financial’s rivals have higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Risk & Volatility

Chime Financial has a beta of 0.3, meaning that its stock price is 70% less volatile than the S&P 500. Comparatively, Chime Financial’s rivals have a beta of 2.26, meaning that their average stock price is 126% more volatile than the S&P 500.

Summary

Chime Financial beats its rivals 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.