Chime Financial vs Oportun Financial
CHYM and OPRT 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 OPRT compare
Chime Financial is the larger company, worth 23 times as much as Oportun Financial ($12.5B against $543M).
Chime Financial grew revenue faster over the last twelve months (27.4% versus −0.40% for Oportun Financial).
Oportun Financial keeps more of each dollar of sales as profit, with a net margin of 3.9% compared with 3.0% at Chime Financial.
Chime Financial scores higher on the StockData Score (12 against 8 for Oportun 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 | OPRT |
|---|---|---|
| Size and price | ||
| Market cap | $12.5B | $543M |
| Share price | $33.08 | $11.80 |
| Change, 1 year | 55.6% | 149% |
| Change, 5 years | – | −50.3% |
| Beta (5Y) | 1.73 | 1.89 |
| Employees | – | 83 |
| StockData Score | ||
| Total score | 12 (better) | 8 |
| Valuation score | 0 | 1 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 6 (better) | 4 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 15.9× |
| P/S | 4.8× | 0.6× (better) |
| P/B | 8.1× | 1.3× (better) |
| EV/EBITDA | 144× | 3.7× (better) |
| P/FCF | 30.0× | – |
| FCF yield | 3.3% | – |
| Fair value | $5.42 | $12.70 |
| Margin of safety | −510% | 7.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 27.4% (better) | −0.40% |
| Revenue growth, 5Y average | – | 10.4% |
| Net income growth (TTM) | – | 21.7% |
| EPS growth (TTM) | – | 12.1% |
| Profitability | ||
| Gross margin | 89.4% | – |
| Operating margin | 1.8% | – |
| Net margin | 3.0% | 3.9% (better) |
| FCF margin | 15.9% | – |
| Return on equity | 5.4% | 9.1% (better) |
| Return on invested capital | 13.1% | – |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 4.80 | – |
| Altman Z-score | 11.36 (better) | 0.33 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 2.4% | – |
| Shareholder yield | 2.4% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 76.5% | 82.4% |
| Held by insiders | 30.5% | 27.2% |
| Insider net buying, 12 months | −$1.3B | −$416K (better) |
| Superinvestors holding | 3 | – |
| Short interest, % of float | 9.1% | 4.2% |
Go deeper
- CHYM stock overview
- CHYM income statement
- CHYM valuation and score
- OPRT stock overview
- OPRT income statement
- OPRT valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.