Financial Survey: Chime Financial (CHYM) vs. Its Rivals

Chime Financial (NASDAQ:CHYM) is one of 345 publicly-traded companies in the “Financial Services” industry, but how does it contrast to its competitors? We will compare Chime Financial to related businesses based on the strength of its profitability, analyst recommendations, valuation, risk, earnings, institutional ownership and dividends.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Chime Financial and its competitors, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	3	15	4	2.96
Chime Financial Competitors	1891	6808	11510	414	2.51

Chime Financial currently has a consensus target price of $32.74, indicating a potential downside of 2.66%. As a group, “Financial Services” companies have a potential upside of 3.63%. Given Chime Financial’s competitors higher probable upside, analysts plainly believe Chime Financial has less favorable growth aspects than its competitors.

Institutional & Insider Ownership

43.0% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by insiders. Comparatively, 21.8% of shares of all “Financial Services” companies are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Chime Financial and its competitors’ 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	-405.59%	-21.92%	-5.67%

Volatility & Risk

Chime Financial has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500. Comparatively, Chime Financial’s competitors have a beta of 2.26, meaning that their average stock price is 126% more volatile than the S&P 500.

Valuation & Earnings

This table compares Chime Financial and its competitors gross revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Chime Financial	$2.19 billion	-$1.01 billion	-480.43
Chime Financial Competitors	$24.20 billion	$1.07 billion	11.09

Chime Financial’s competitors have higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Summary

Chime Financial competitors 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.