Chime Financial (NASDAQ:CHYM – Get Free Report) and Corpay (NYSE:CPAY – Get Free Report) are both large-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, earnings, profitability, institutional ownership, valuation and analyst recommendations.
Risk and Volatility
Chime Financial has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500. Comparatively, Corpay has a beta of 0.87, suggesting that its stock price is 13% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current recommendations and price targets for Chime Financial and Corpay, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chime Financial | 1 | 3 | 15 | 4 | 2.96 |
| Corpay | 0 | 3 | 12 | 0 | 2.80 |
Valuation & Earnings
This table compares Chime Financial and Corpay”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chime Financial | $2.19 billion | 5.84 | -$1.01 billion | ($0.07) | -482.29 |
| Corpay | $5.02 billion | 5.44 | $1.07 billion | $16.43 | 25.33 |
Corpay has higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.
Institutional and Insider Ownership
98.8% of Corpay shares are held by institutional investors. 12.3% of Chime Financial shares are held by insiders. Comparatively, 5.2% of Corpay shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares Chime Financial and Corpay’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chime Financial | -0.74% | -1.28% | -0.92% |
| Corpay | 22.72% | 42.18% | 6.34% |
Summary
Corpay beats Chime Financial on 10 of the 15 factors compared between the two stocks.
About Chime Financial
Chime is a financial technology company that partners with federally regulated, FDIC-insured banks—The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC—to provide consumer banking products and services. The company’s model is designed to eliminate common fees and simplify access to basic financial services.
Chime does not charge overdraft fees, monthly service fees, or require minimum balances. All account balances are held at partner banks and protected by applicable regulatory safeguards to ensure funds remain secure and accessible.
About Corpay
Volatus is a leader in innovative global aerial solutions for intelligence and cargo. With over 100 years of combined institutional knowledge in aviation, Volatus provides comprehensive solutions using both piloted and remotely piloted aircraft systems for a wide array of industries, including oil and gas, energy utilities, healthcare, public safety, and infrastructure. The Company is committed to enhancing operational efficiency, safety, and sustainability through cutting-edge aerial technologies.
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