Chime Financial (NASDAQ:CHYM – Get Free Report) and DLocal (NASDAQ:DLO – Get Free Report) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their profitability, risk, dividends, institutional ownership, analyst recommendations, earnings and valuation.
Insider and Institutional Ownership
90.1% of DLocal shares are owned by institutional investors. 12.3% of Chime Financial shares are owned by insiders. Comparatively, 45.4% of DLocal shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of current ratings and target prices for Chime Financial and DLocal, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chime Financial | 1 | 2 | 16 | 3 | 2.95 |
| DLocal | 0 | 1 | 5 | 0 | 2.83 |
Profitability
This table compares Chime Financial and DLocal’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% |
| DLocal | 15.04% | 41.64% | 12.96% |
Volatility & Risk
Chime Financial has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500. Comparatively, DLocal has a beta of 0.9, indicating that its share price is 10% less volatile than the S&P 500.
Valuation and Earnings
This table compares Chime Financial and DLocal”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chime Financial | $2.19 billion | 4.65 | -$1.01 billion | ($0.07) | -383.40 |
| DLocal | $1.09 billion | 3.70 | $196.80 million | $0.67 | 20.46 |
DLocal has lower revenue, but higher earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than DLocal, indicating that it is currently the more affordable of the two stocks.
Summary
DLocal beats Chime Financial on 10 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 DLocal
DLocal Limited operates a payment processing platform worldwide. The company offers pay-in solution which the business and get paid for their products and services through various payment methods, including international and local cards, online bank transfers and direct debit, cash, and alternative payment methods. It also provides pay-out solution used for merchants to scale pay-out operations. In addition, the company offers dLocal for Platforms, an end-to-end payment solution that offers a range of services to help platforms manage payments. It serves its products to commerce, streaming, ride-hailing, financial services, advertising, SaaS, travel, e-learning, on-demand delivery, and gaming and crypto industries. DLocal Limited was founded in 2016 and is headquartered in Montevideo, Uruguay.
Receive News & Ratings for Chime Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Chime Financial and related companies with MarketBeat.com's FREE daily email newsletter.
