Head-To-Head Analysis: Chime Financial (NASDAQ:CHYM) vs. Upexi (NASDAQ:UPXI)

Upexi (NASDAQ:UPXI) and Chime Financial (NASDAQ:CHYM) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, valuation, institutional ownership, earnings, profitability, risk and analyst recommendations.

Valuation & Earnings

This table compares Upexi and Chime Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upexi	$26.14 million	3.09	-$13.68 million	($0.62)	-1.65
Chime Financial	$2.19 billion	5.76	-$1.01 billion	($0.07)	-475.64

Upexi has higher earnings, but lower revenue than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Upexi, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

5.7% of Upexi shares are held by institutional investors. 9.0% of Upexi shares are held by company insiders. Comparatively, 12.3% of Chime Financial shares are held 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.

Profitability

This table compares Upexi and Chime Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Upexi	-874.00%	-66.70%	-19.56%
Chime Financial	-0.74%	-1.28%	-0.92%

Analyst Ratings

This is a breakdown of current ratings for Upexi and Chime Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upexi	1	0	1	0	2.00
Chime Financial	1	3	15	4	2.96

Upexi presently has a consensus price target of $4.65, suggesting a potential upside of 353.66%. Chime Financial has a consensus price target of $32.74, suggesting a potential downside of 1.68%. Given Upexi’s higher possible upside, equities research analysts clearly believe Upexi is more favorable than Chime Financial.

Volatility & Risk

Upexi has a beta of -0.22, suggesting that its stock price is 122% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500.

Summary

Chime Financial beats Upexi on 11 of the 15 factors compared between the two stocks.

About Upexi

Upexi, Inc. manufactures and sells various branded products in the health, wellness, pet, beauty, and other markets. The company was formerly known as Grove, Inc. and changed its name to Upexi, Inc. in August 2022. The company was incorporated in 2018 and is headquartered in Clearwater, Florida.

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.