Head to Head Analysis: Chime Financial (CHYM) & Its Rivals

Chime Financial (NASDAQ:CHYM) is one of 346 public companies in the “Financial Services” industry, but how does it compare to its peers? We will compare Chime Financial to similar companies based on the strength of its profitability, analyst recommendations, valuation, risk, earnings, institutional ownership and dividends.

Risk & Volatility

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

Institutional & Insider 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 large money managers, hedge funds and endowments 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	-397.78%	-19.18%	-6.60%

Earnings & Valuation

This table compares Chime Financial and its peers 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 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.

Analyst Ratings

This is a breakdown of current recommendations and price targets for Chime Financial and its peers, as provided by MarketBeat.

	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, suggesting a potential downside of 1.63%. As a group, “Financial Services” companies have a potential upside of 4.60%. Given Chime Financial’s peers higher possible upside, analysts clearly believe Chime Financial has less favorable growth aspects than its peers.

Summary

Chime Financial peers 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.