Chime Financial (NASDAQ:CHYM – Get Free Report) and Neostellar Capital (NASDAQ:NSLR – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings.
Valuation and Earnings
This table compares Chime Financial and Neostellar Capital”s gross 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 | 5.42 | -$1.01 billion | ($0.07) | -447.57 |
| Neostellar Capital | $1.69 million | 90.22 | $48.81 million | $2.95 | 1.95 |
Neostellar Capital has lower revenue, but higher earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Neostellar Capital, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Chime Financial and Neostellar Capital’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% |
| Neostellar Capital | 6,053.56% | -12.63% | -10.14% |
Insider & Institutional Ownership
13.0% of Neostellar Capital shares are owned by institutional investors. 12.3% of Chime Financial shares are owned by company insiders. Comparatively, 8.3% of Neostellar Capital shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current ratings and price targets for Chime Financial and Neostellar Capital, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chime Financial | 1 | 2 | 17 | 3 | 2.96 |
| Neostellar Capital | 0 | 1 | 4 | 1 | 3.00 |
Chime Financial presently has a consensus target price of $39.47, indicating a potential upside of 25.99%. Neostellar Capital has a consensus target price of $12.75, indicating a potential upside of 121.35%. Given Neostellar Capital’s stronger consensus rating and higher possible upside, analysts clearly believe Neostellar Capital is more favorable than Chime Financial.
Volatility & Risk
Chime Financial has a beta of 0.74, meaning that its stock price is 26% less volatile than the S&P 500. Comparatively, Neostellar Capital has a beta of 1.49, meaning that its stock price is 49% more volatile than the S&P 500.
Summary
Neostellar Capital beats Chime Financial on 8 of the 14 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 Neostellar Capital
SuRo Capital Corp. is a business development company. The firm seeks to invest in growing, late stage, venture capital-backed private companies. SuRo Capital Corp. was founded in 2010 and is based in San Francisco, California.
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