Chime Financial, Inc. Class A Common Stock (CHYM)vsShopify Inc (SHOP)
CHYM
Chime Financial, Inc. Class A Common Stock
$28.80
+0.88%
TECHNOLOGY · Cap: $11.19B
SHOP
Shopify Inc
$168.22
+1.45%
TECHNOLOGY · Cap: $215.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Shopify Inc generates 440% more annual revenue ($13.27B vs $2.46B). SHOP leads profitability with a 14.5% profit margin vs -0.7%. CHYM trades at a lower P/E of 33.6x. SHOP earns a higher WallStSmart Score of 63/100 (C+).
CHYM
Hold36
out of 100
Grade: F
SHOP
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CHYM.
Margin of Safety
+22.4%
Fair Value
$150.73
Current Price
$168.22
$17.49 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Conservative balance sheet, low leverage
Revenue surging 26.8% year-over-year
Mega-cap, among the largest globally
Revenue surging 33.7% year-over-year
Earnings expanding 68.1% YoY
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
Premium valuation, high expectations priced in
Weak financial health signals
ROE of -1.3% — below average capital efficiency
Earnings declined 33.8%
Expensive relative to growth rate
Trading at 17.1x book value
Weak financial health signals
Premium valuation, high expectations priced in
Comparative Analysis Report
WallStSmart ResearchBull Case : CHYM
The strongest argument for CHYM centers on Debt/Equity, Revenue Growth. Revenue growth of 26.8% demonstrates continued momentum.
Bull Case : SHOP
The strongest argument for SHOP centers on Market Cap, Revenue Growth, EPS Growth. Revenue growth of 33.7% demonstrates continued momentum.
Bear Case : CHYM
The primary concerns for CHYM are P/E Ratio, Piotroski F-Score, Return on Equity.
Bear Case : SHOP
The primary concerns for SHOP are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 112.0x leaves little room for execution misses.
Key Dynamics to Monitor
SHOP is growing revenue faster at 33.7% — sustainability is the question.
SHOP generates stronger free cash flow (654M), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SHOP scores higher overall (63/100 vs 36/100) and 33.7% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Chime Financial, Inc. Class A Common Stock
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions. The company is headquartered in San Francisco, California.
Shopify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Shopify Inc., a commerce company, offers a commerce and service platform in Canada, the United States, the United Kingdom, Australia, Latin America, and internationally. The company is headquartered in Ottawa, Canada.
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