Chime Financial (CHYM) versus Its Competitors Financial Survey

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

Institutional and Insider Ownership

42.8% of shares of all “Financial Services” companies are owned by institutional investors. 12.3% of Chime Financial shares are owned by company insiders. Comparatively, 21.5% of shares of all “Financial Services” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk and Volatility

Chime Financial has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500. Comparatively, Chime Financial’s rivals have a beta of 2.26, indicating that their average stock price is 126% 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	-397.66%	-19.10%	-6.60%

Valuation and Earnings

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-449.34
Chime Financial Competitors	$6.64 billion	$1.06 billion	9.87

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.

Analyst Recommendations

This is a summary of recent ratings and target prices 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	1880	6729	11347	406	2.50

Chime Financial currently has a consensus target price of $31.06, suggesting a potential downside of 1.27%. As a group, “Financial Services” companies have a potential upside of 5.05%. Given Chime Financial’s rivals higher probable upside, analysts clearly believe Chime Financial has less favorable growth aspects than its rivals.

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.