Chime Financial (CHYM) versus Its Rivals Head-To-Head Analysis

Chime Financial (NASDAQ:CHYM) is one of 346 publicly-traded companies in the “Financial Services” industry, but how does it weigh in compared to its rivals? We will compare Chime Financial to related businesses based on the strength of its earnings, risk, institutional ownership, profitability, analyst recommendations, valuation and dividends.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Chime Financial and its rivals, as reported 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	1882	6740	11420	409	2.51

Chime Financial presently has a consensus target price of $31.39, indicating a potential downside of 1.63%. As a group, “Financial Services” companies have a potential upside of 4.60%. Given Chime Financial’s rivals higher probable upside, analysts plainly believe Chime Financial has less favorable growth aspects than its rivals.

Valuation & Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.46 billion	-$1.01 billion	-455.86
Chime Financial Competitors	$9.24 billion	$1.06 billion	10.01

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 0.31, suggesting that its stock price is 69% less volatile than the S&P 500. Comparatively, Chime Financial’s rivals have a beta of 2.27, suggesting that their average stock price is 127% more volatile than the S&P 500.

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	-397.78%	-19.18%	-6.60%

Insider and 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, 21.3% of shares of all “Financial Services” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Chime Financial rivals 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.