Contrasting Chime Financial (NASDAQ:CHYM) and Upexi (NASDAQ:UPXI)

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

Analyst Ratings

This is a summary of current recommendations for Upexi and Chime Financial, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Upexi	1	0	1	0	2.00
Chime Financial	1	3	14	4	2.95

Upexi currently has a consensus target price of $4.65, suggesting a potential upside of 338.68%. Chime Financial has a consensus target price of $32.33, suggesting a potential downside of 2.46%. Given Upexi’s higher possible upside, equities research analysts clearly believe Upexi is more favorable than Chime Financial.

Risk and Volatility

Upexi has a beta of -0.27, indicating that its share price is 127% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.31, indicating that its share price is 69% less volatile than the S&P 500.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Upexi	$15.81 million	5.28	-$13.68 million	($0.62)	-1.71
Chime Financial	$2.46 billion	5.11	-$1.01 billion	($0.07)	-473.57

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.

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%

Insider & Institutional Ownership

5.7% of Upexi shares are owned by institutional investors. 9.0% of Upexi shares are owned by company insiders. Comparatively, 12.3% of Chime Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Chime Financial beats Upexi on 10 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.