Chime Financial vs Green Dot
CHYM and GDOT 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 GDOT compare
Chime Financial is the larger company, worth 15 times as much as Green Dot ($10.6B against $701M).
Chime Financial grew revenue faster over the last twelve months (26.4% versus 17.7% for Green Dot).
Chime Financial keeps more of each dollar of sales as profit, with a net margin of −0.74% compared with −1.1% at Green Dot.
Chime Financial scores higher on the StockData Score (11 against 9 for Green Dot), 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 | GDOT |
|---|---|---|
| Size and price | ||
| Market cap | $10.6B | $701M |
| Share price | $27.95 | $12.30 |
| Change, 1 year | 56.5% | 0.00% |
| Change, 5 years | – | −72.1% |
| Beta (5Y) | 1.92 | 1.10 |
| Employees | – | 900 |
| StockData Score | ||
| Total score | 11 (better) | 9 |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 2 | 2 |
| Health score | 6 (better) | 2 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/S | 4.3× | 0.3× (better) |
| P/B | 7.5× | 0.7× (better) |
| EV/EBITDA | – | −4.9× |
| P/FCF | 33.9× | 8.4× (better) |
| FCF yield | 3.0% | 11.8% (better) |
| Fair value | – | $23.73 |
| Margin of safety | – | 48.2% |
| Growth | ||
| Revenue growth (TTM) | 26.4% (better) | 17.7% |
| Revenue growth, 5Y average | – | 10.7% |
| Profitability | ||
| Gross margin | 88.7% | – |
| Operating margin | −2.1% | 0.34% (better) |
| Net margin | −0.74% (better) | −1.1% |
| FCF margin | 12.7% (better) | 3.7% |
| Return on equity | −1.3% (better) | −2.8% |
| Return on invested capital | −11.9% | – |
| Financial health | ||
| Debt / equity | 0.00 | 0.07 (better) |
| Net debt / EBITDA | – | −13.83 |
| Current ratio | 4.62 (better) | 0.45 |
| Altman Z-score | 10.41 (better) | 0.05 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Buyback yield | 2.8% | – |
| Shareholder yield | 2.8% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 76.5% | 82.2% |
| Held by insiders | 30.6% | 11.0% |
| Insider net buying, 12 months | −$1.2B | −$268K (better) |
| Superinvestors holding | 3 | – |
| Short interest, % of float | 9.9% | 3.7% |
Go deeper
- CHYM stock overview
- CHYM income statement
- CHYM valuation and score
- GDOT stock overview
- GDOT income statement
- GDOT valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.