Analyzing Chime Financial (CHYM) and Its Rivals

Chime Financial (NASDAQ:CHYM) is one of 341 public companies in the “Financial Services” industry, but how does it compare to its peers? We will compare Chime Financial to related companies based on the strength of its analyst recommendations, dividends, valuation, risk, profitability, earnings and institutional ownership.

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	-412.95%	-40.67%	-5.97%

Analyst Recommendations

This is a summary of current ratings and recommmendations for Chime Financial and its peers, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1	1	18	3	3.00
Chime Financial Competitors	1975	6910	11660	444	2.50

Chime Financial currently has a consensus price target of $38.58, suggesting a potential upside of 27.92%. As a group, “Financial Services” companies have a potential downside of 8.26%. Given Chime Financial’s stronger consensus rating and higher probable upside, analysts plainly believe Chime Financial is more favorable than its peers.

Insider and Institutional 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, 21.9% of shares of all “Financial Services” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Volatility and Risk

Chime Financial has a beta of 0.74, suggesting that its share price is 26% less volatile than the S&P 500. Comparatively, Chime Financial’s peers have a beta of 2.51, suggesting that their average share price is 151% more volatile than the S&P 500.

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	$2.46 billion	-$1.01 billion	-430.84
Chime Financial Competitors	$6.41 billion	$1.09 billion	8.43

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.

Summary

Chime Financial beats its peers 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.