Chime Financial (NASDAQ:CHYM – Get Free Report) and Walker & Dunlop (NYSE:WD – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, valuation, risk, earnings and profitability.
Institutional & Insider Ownership
81.0% of Walker & Dunlop shares are owned by institutional investors. 12.3% of Chime Financial shares are owned by insiders. Comparatively, 4.0% of Walker & Dunlop shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Ratings
This is a summary of current ratings and recommmendations for Chime Financial and Walker & Dunlop, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chime Financial | 1 | 2 | 17 | 3 | 2.96 |
| Walker & Dunlop | 1 | 0 | 5 | 0 | 2.67 |
Profitability
This table compares Chime Financial and Walker & Dunlop’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% |
| Walker & Dunlop | 2.94% | 7.25% | 2.31% |
Risk & Volatility
Chime Financial has a beta of 0.83, meaning that its share price is 17% less volatile than the S&P 500. Comparatively, Walker & Dunlop has a beta of 1.52, meaning that its share price is 52% more volatile than the S&P 500.
Valuation and Earnings
This table compares Chime Financial and Walker & Dunlop”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chime Financial | $2.19 billion | 5.12 | -$1.01 billion | ($0.07) | -422.43 |
| Walker & Dunlop | $1.23 billion | 0.95 | $57.08 million | $1.12 | 30.48 |
Walker & Dunlop has lower revenue, but higher earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Walker & Dunlop, indicating that it is currently the more affordable of the two stocks.
Summary
Walker & Dunlop beats Chime Financial on 9 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 Walker & Dunlop
Walker & Dunlop, Inc. is a holding company, which engages in the provision of commercial real estate and finance services. It operates through the following segments: Capital Markets, Servicing and Asset Management, and Corporate. The Capital Markets segment offers a comprehensive range of commercial real estate finance products to customers. The Servicing and Asset Management segment includes servicing and asset-managing and managing third-party capital investments. The Corporate segment consists primarily of the company’s treasury operations and other corporate-level activities. The company was founded by Oliver Walker and Laird Dunlop in 1937 and is headquartered in Bethesda, MD.
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