Comparing Chime Financial (CHYM) & Its Competitors

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

Insider and Institutional Ownership

42.6% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by insiders. Comparatively, 21.6% of shares of all “Financial Services” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Chime Financial and its peers, as reported 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	1893	6772	11451	413	2.51

Chime Financial presently has a consensus target price of $31.39, suggesting a potential downside of 4.24%. As a group, “Financial Services” companies have a potential upside of 6.03%. Given Chime Financial’s peers higher possible upside, analysts plainly believe Chime Financial has less favorable growth aspects than its peers.

Earnings and Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-468.29
Chime Financial Competitors	$6.60 billion	$1.06 billion	10.49

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.

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

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	-405.64%	-19.43%	-6.49%

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.