Chime Financial (CHYM) & Its Rivals Head-To-Head Comparison

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

Analyst Recommendations

This is a breakdown of current recommendations for Chime Financial and its peers, 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	1897	6813	11511	414	2.51

Chime Financial presently has a consensus price target of $32.74, suggesting a potential downside of 3.03%. As a group, “Financial Services” companies have a potential upside of 4.15%. Given Chime Financial’s peers higher possible upside, analysts plainly believe Chime Financial has less favorable growth aspects than its peers.

Risk & Volatility

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

Insider & Institutional Ownership

43.0% 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 endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Chime Financial and its peers’ 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	-405.72%	-21.94%	-5.67%

Valuation and Earnings

This table compares Chime Financial and its peers gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-482.29
Chime Financial Competitors	$24.20 billion	$1.07 billion	10.35

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

Summary

Chime Financial peers beat Chime Financial on 7 of the 13 factors compared.

Chime Financial Company Profile

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.