Chime Financial vs SoFi Technologies
CHYM and SOFI 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 SOFI compare
SoFi Technologies is the larger company, worth 2.0 times as much as Chime Financial ($21.6B against $10.6B).
Chime Financial grew revenue faster over the last twelve months (26.4% versus 9.2% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 104% compared with −0.74% at Chime Financial.
Chime Financial scores higher on the StockData Score (11 against 9 for SoFi Technologies), 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 | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $10.6B | $21.6B |
| Share price | $27.95 | $16.76 |
| Change, 1 year | 56.5% | −45.8% |
| Change, 5 years | – | −25.7% |
| Beta (5Y) | 1.92 | 2.09 |
| Employees | – | 6,100 |
| StockData Score | ||
| Total score | 11 (better) | 9 |
| Valuation score | 0 | 0 |
| Growth score | 3 (better) | 2 |
| Performance score | 2 | 3 (better) |
| Health score | 6 (better) | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 34.9× |
| P/S | 4.3× (better) | 35.5× |
| P/B | 7.5× | 2.0× (better) |
| P/FCF | 33.9× | – |
| FCF yield | 3.0% (better) | −40.6% |
| Fair value | – | $9.58 |
| Margin of safety | – | −74.9% |
| Growth | ||
| Revenue growth (TTM) | 26.4% (better) | 9.2% |
| Revenue growth, 5Y average | – | 43.1% |
| Net income growth (TTM) | – | 13.3% |
| EPS growth (TTM) | – | 2.1% |
| Profitability | ||
| Gross margin | 88.7% (better) | −13.8% |
| Operating margin | −2.1% | – |
| Net margin | −0.74% | 104% (better) |
| FCF margin | 12.7% (better) | −1441% |
| Return on equity | −1.3% | 7.1% (better) |
| Return on invested capital | −11.9% | – |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 4.62 | – |
| Altman Z-score | 10.41 (better) | 0.26 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | 2.8% (better) | −15.1% |
| Shareholder yield | 2.8% (better) | −15.1% |
| Ownership | ||
| Held by institutions | 76.5% | 50.7% |
| Held by insiders | 30.6% | 6.9% |
| Insider net buying, 12 months | −$1.2B | −$9.1M (better) |
| Superinvestors holding | 3 (better) | 1 |
| Short interest, % of float | 9.9% | 17.9% |
Go deeper
- CHYM stock overview
- CHYM income statement
- CHYM valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.