Chime Financial, Inc. (CHYM) vs Elastic N.V. (ESTC)

Chime Financial, Inc. and Elastic N.V. are both Software Application companies. Chime Financial, Inc. and Elastic N.V. are of similar size ($10.3B and $9.6B). Chime Financial, Inc. has negative trailing earnings, so its P/E is not meaningful; Elastic N.V. trades at 24.4×. Chime Financial, Inc. grew revenue faster over the last twelve months: 32.6% against 16.2%. Elastic N.V. has the higher net margin (20.8% vs −0.21%) and the higher return on invested capital (−7.35% vs −17.8%). Across the 18 metrics below, Elastic N.V. leads on 11 and Chime Financial, Inc. on 7.

Valuation

Metric CHYM ESTC Software Application median
P/E n/m 24.41 24.79
P/S 4.14 5.12 2.67
P/B 7.24 7.11 3.01
Price to free cash flow 32.93 26.42 16.59
EV/EBITDA n/m 102.19 14.40
EV/Sales 3.64 4.62 2.62
Earnings yield (0.22%) 4.10% 0.00%
Free cash flow yield 3.04% 3.79% 1.91%

Profitability

Metric CHYM ESTC Software Application median
Gross margin 88.71% 75.50% 67.03%
Operating margin (2.08%) (2.64%) 0.00%
Net margin (0.21%) 20.84% 0.00%
Free cash flow margin 12.57% 19.37% 4.32%
Return on equity (0.37%) 33.12% 0.00%
Return on assets (0.27%) 13.60% 0.00%
Return on invested capital (17.81%) (7.35%) 0.00%

Growth

Metric CHYM ESTC Software Application median
Revenue growth (TTM) 32.60% 16.18% 12.40%
EPS growth (last fiscal year) (994.87%) 429.81% —
Revenue growth, 5-year CAGR — 23.37% 13.72%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric CHYM ESTC Software Application median
Debt to equity 0.00 0.44 0.02
Current ratio 4.62 1.81 1.55
Net debt to EBITDA 1.12 (9.19) 0.06

Dividend

Metric CHYM ESTC Software Application median
Dividend yield — 0.05% 1.25%
Payout ratio — 0.00 0.00

Size

Metric CHYM ESTC Software Application median
Market cap 10.26b 9.58b 396.11m

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