Corpay (NYSE:CPAY – Get Free Report) and Chime Financial (NASDAQ:CHYM – Get Free Report) are both large-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, profitability, valuation and risk.
Valuation and Earnings
This table compares Corpay and Chime Financial”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Corpay | $5.02 billion | 5.44 | $1.07 billion | $16.43 | 25.33 |
| Chime Financial | $2.19 billion | 5.84 | -$1.01 billion | ($0.07) | -482.29 |
Analyst Recommendations
This is a summary of current ratings and price targets for Corpay and Chime Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Corpay | 0 | 3 | 12 | 0 | 2.80 |
| Chime Financial | 1 | 3 | 15 | 4 | 2.96 |
Corpay currently has a consensus price target of $438.93, indicating a potential upside of 5.49%. Chime Financial has a consensus price target of $32.74, indicating a potential downside of 3.03%. Given Corpay’s higher possible upside, analysts clearly believe Corpay is more favorable than Chime Financial.
Insider and Institutional Ownership
98.8% of Corpay shares are owned by institutional investors. 5.2% of Corpay shares are owned by insiders. Comparatively, 12.3% of Chime Financial shares are owned by 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.
Profitability
This table compares Corpay and Chime Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Corpay | 22.72% | 42.18% | 6.34% |
| Chime Financial | -0.74% | -1.28% | -0.92% |
Risk & Volatility
Corpay has a beta of 0.87, meaning that its stock price is 13% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.6, meaning that its stock price is 40% less volatile than the S&P 500.
Summary
Corpay beats Chime Financial on 10 of the 15 factors compared between the two stocks.
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.
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.
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