Analyzing Chime Financial (CHYM) & The Competition

Chime Financial (NASDAQ:CHYM) is one of 347 publicly-traded companies in the “Financial Services” industry, but how does it contrast to its competitors? We will compare Chime Financial to similar businesses based on the strength of its valuation, earnings, analyst recommendations, institutional ownership, dividends, risk and profitability.

Profitability

This table compares Chime Financial and its competitors’ 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	-405.54%	-19.36%	-6.48%

Analyst Recommendations

This is a summary of recent ratings and price targets for Chime Financial and its competitors, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	14	4	2.95
Chime Financial Competitors	1885	6762	11448	411	2.51

Chime Financial currently has a consensus target price of $31.39, indicating a potential downside of 4.61%. As a group, “Financial Services” companies have a potential upside of 5.63%. Given Chime Financial’s competitors higher possible upside, analysts clearly believe Chime Financial has less favorable growth aspects than its competitors.

Risk and 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 competitors have a beta of 2.25, suggesting that their average stock price is 125% more volatile than the S&P 500.

Institutional & Insider Ownership

42.6% of shares of all “Financial Services” companies are owned by institutional investors. 12.3% of Chime Financial shares are owned by insiders. Comparatively, 21.6% 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 stock is poised for long-term growth.

Valuation & Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-470.10
Chime Financial Competitors	$6.61 billion	$1.06 billion	10.48

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

Summary

Chime Financial competitors beat Chime Financial 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.