Chime Financial (CHYM) versus The Competition Head to Head Survey
by Kim Johansen · The Markets DailyChime Financial (NASDAQ:CHYM – Get Free Report) is one of 343 public companies in the “Financial Services” industry, but how does it weigh in compared to its peers? We will compare Chime Financial to related businesses based on the strength of its profitability, analyst recommendations, risk, institutional ownership, dividends, earnings and valuation.
Valuation and Earnings
This table compares Chime Financial and its peers gross revenue, earnings per share and valuation.
| Gross Revenue | Net Income | Price/Earnings Ratio | |
| Chime Financial | $2.19 billion | -$1.01 billion | -471.43 |
| Chime Financial Competitors | $9.22 billion | $1.08 billion | 9.07 |
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 0.6, suggesting that its stock price is 40% less volatile than the S&P 500. Comparatively, Chime Financial’s peers have a beta of 2.27, suggesting that their average stock price is 127% more volatile than the S&P 500.
Insider and Institutional Ownership
43.2% of shares of all “Financial Services” companies are held by institutional investors. 12.3% of Chime Financial shares are held by company insiders. Comparatively, 22.0% of shares of all “Financial Services” companies are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Analyst Ratings
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 | 3 | 16 | 4 | 2.96 |
| Chime Financial Competitors | 1899 | 6731 | 11416 | 414 | 2.51 |
Chime Financial currently has a consensus price target of $35.00, indicating a potential upside of 6.06%. As a group, “Financial Services” companies have a potential upside of 3.20%. Given Chime Financial’s stronger consensus rating and higher possible upside, equities analysts clearly believe Chime Financial is more favorable than its peers.
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 | -407.42% | -21.88% | -5.62% |
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.