Contrasting Upexi (NASDAQ:UPXI) and Chime Financial (NASDAQ:CHYM)

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

Earnings & Valuation

This table compares Chime Financial and Upexi”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chime Financial	$2.46 billion	5.11	-$1.01 billion	($0.07)	-473.57
Upexi	$15.81 million	5.28	-$13.68 million	($0.62)	-1.71

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

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	14	4	2.95
Upexi	1	0	1	0	2.00

Chime Financial currently has a consensus target price of $32.33, suggesting a potential downside of 2.46%. Upexi has a consensus target price of $4.65, suggesting a potential upside of 338.68%. Given Upexi’s higher possible upside, analysts clearly believe Upexi is more favorable than Chime Financial.

Profitability

This table compares Chime Financial and Upexi’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%
Upexi	-874.00%	-66.70%	-19.56%

Insider and Institutional Ownership

5.7% of Upexi shares are held by institutional investors. 12.3% of Chime Financial shares are held by insiders. Comparatively, 9.0% of Upexi shares are held by 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.

Volatility & Risk

Chime Financial has a beta of 0.31, suggesting that its share price is 69% less volatile than the S&P 500. Comparatively, Upexi has a beta of -0.27, suggesting that its share price is 127% less volatile than the S&P 500.

Summary

Chime Financial beats Upexi on 10 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 Upexi

Upexi, Inc. manufactures and sells various branded products in the health, wellness, pet, beauty, and other markets. The company was formerly known as Grove, Inc. and changed its name to Upexi, Inc. in August 2022. The company was incorporated in 2018 and is headquartered in Clearwater, Florida.