Chime Financial vs Circle Internet
CHYM and CRCL side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CHYM and CRCL compare
Circle Internet is the larger company, worth 1.7 times as much as Chime Financial ($18.4B against $10.6B).
Circle Internet grew revenue faster over the last twelve months (37.2% versus 26.4% for Chime Financial).
Circle Internet keeps more of each dollar of sales as profit, with a net margin of 15.5% compared with −0.74% at Chime Financial.
Chime Financial scores higher on the StockData Score (11 against 10 for Circle Internet), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CHYM | CRCL |
|---|---|---|
| Size and price | ||
| Market cap | $10.6B | $18.4B |
| Share price | $27.95 | $72.54 |
| Change, 1 year | 56.5% | −44.9% |
| Beta (5Y) | 1.92 | 1.01 |
| Employees | – | 1,100 |
| StockData Score | ||
| Total score | 11 (better) | 10 |
| Valuation score | 0 | 0 |
| Growth score | 3 (better) | 2 |
| Performance score | 2 | 3 (better) |
| Health score | 6 (better) | 5 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/S | 4.3× (better) | 6.3× |
| P/B | 7.5× | 5.2× (better) |
| EV/EBITDA | – | 52.0× |
| P/FCF | 33.9× | 24.2× (better) |
| FCF yield | 3.0% | 4.1% (better) |
| Fair value | – | $17.34 |
| Margin of safety | – | −318% |
| Growth | ||
| Revenue growth (TTM) | 26.4% | 37.2% (better) |
| Profitability | ||
| Gross margin | 88.7% | – |
| Operating margin | −2.1% | 7.4% (better) |
| Net margin | −0.74% | 15.5% (better) |
| FCF margin | 12.7% | 26.2% (better) |
| Return on equity | −1.3% | 15.4% (better) |
| Return on invested capital | −11.9% | 14.2% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Interest coverage | – | 332× |
| Current ratio | 4.62 (better) | 1.03 |
| Altman Z-score | 10.41 (better) | 0.22 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Buyback yield | 2.8% | – |
| Shareholder yield | 2.8% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 76.5% | 52.2% |
| Held by insiders | 30.6% | 23.8% |
| Insider net buying, 12 months | −$1.2B | −$319M (better) |
| Superinvestors holding | 3 | – |
| Short interest, % of float | 9.9% | 14.2% |
Go deeper
- CHYM stock overview
- CHYM income statement
- CHYM valuation and score
- CRCL stock overview
- CRCL income statement
- CRCL valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.