Chime Financial vs OppFi
CHYM and OPFI 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 OPFI compare
Chime Financial is the larger company, worth 22 times as much as OppFi ($10.6B against $479M).
Chime Financial grew revenue faster over the last twelve months (26.4% versus 0.15% for OppFi).
OppFi keeps more of each dollar of sales as profit, with a net margin of 28.0% compared with −0.74% at Chime Financial.
OppFi scores higher on the StockData Score (13 against 11 for Chime Financial), 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 | OPFI |
|---|---|---|
| Size and price | ||
| Market cap | $10.6B | $479M |
| Share price | $27.95 | $5.62 |
| Change, 1 year | 56.5% | −45.8% |
| Change, 5 years | – | −17.4% |
| Beta (5Y) | 1.92 | 1.08 |
| Employees | – | 410 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 3 (better) | 2 |
| Performance score | 2 | 4 (better) |
| Health score | 6 (better) | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/S | 4.3× | 1.3× (better) |
| P/B | 7.5× | 1.2× (better) |
| EV/EBITDA | – | 2.9× |
| P/FCF | 33.9× | 1.2× (better) |
| FCF yield | 3.0% | 80.4% (better) |
| Fair value | – | $20.44 |
| Margin of safety | – | 72.5% |
| Growth | ||
| Revenue growth (TTM) | 26.4% (better) | 0.15% |
| Revenue growth, 5Y average | – | 13.7% |
| Profitability | ||
| Gross margin | 88.7% | – |
| Operating margin | −2.1% | 38.3% (better) |
| Net margin | −0.74% | 28.0% (better) |
| FCF margin | 12.7% | 106% (better) |
| Return on equity | −1.3% | 47.6% (better) |
| Return on invested capital | −11.9% | 87.7% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 4.62 | – |
| Altman Z-score | 10.41 (better) | 1.89 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 1 |
| Buyback yield | 2.8% | 5.6% (better) |
| Shareholder yield | 2.8% | 5.6% (better) |
| Ownership | ||
| Held by institutions | 76.5% | 26.3% |
| Held by insiders | 30.6% | 66.1% |
| Insider net buying, 12 months | −$1.2B | −$590K (better) |
| Superinvestors holding | 3 | – |
| Short interest, % of float | 9.9% | 15.0% |
Go deeper
- CHYM stock overview
- CHYM income statement
- CHYM valuation and score
- OPFI stock overview
- OPFI income statement
- OPFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.