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

Chime Financial, Inc. and Elastic N.V. are both Software Application companies. Chime Financial, Inc. is the larger, with a market value of $11.4B against $8.9B — 1.3× the size. Elastic N.V. trades at the lower P/E: 23.4× against 150×. Chime Financial, Inc. grew revenue faster over the last twelve months: 30.8% against 16.2%. Elastic N.V. has the higher net margin (20.8% vs 3.54%) and the lower return on invested capital (−7.35% vs 1.95%). Across the 20 metrics below, Elastic N.V. leads on 12 and Chime Financial, Inc. on 8.

Valuation

Metric CHYM ESTC Software Application median
P/E 149.70 23.42 25.90
P/S 4.33 4.91 3.04
P/B 7.40 6.82 2.60
Price to free cash flow 27.30 25.34 17.17
EV/EBITDA 131.78 97.59 15.48
EV/Sales 3.87 4.41 2.89
Earnings yield 0.67% 4.27% 0.00%
Free cash flow yield 3.66% 3.95% 1.98%

Profitability

Metric CHYM ESTC Software Application median
Gross margin 89.36% 75.50% 66.89%
Operating margin 1.83% (2.64%) 0.00%
Net margin 3.54% 20.84% 0.00%
Free cash flow margin 17.24% 19.37% 5.77%
Return on equity 6.25% 33.12% 0.00%
Return on assets 4.47% 13.60% 0.00%
Return on invested capital 1.95% (7.35%) 0.00%

Growth

Metric CHYM ESTC Software Application median
Revenue growth (TTM) 30.77% 16.18% 12.27%
EPS growth (last fiscal year) (994.87%) 429.81% 32.11%
Revenue growth, 5-year CAGR — 23.37% 14.34%
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 4.80 1.81 1.53
Net debt to EBITDA 1.12 (9.19) 0.09

Dividend

Metric CHYM ESTC Software Application median
Dividend yield — — 1.10%
Payout ratio — — 0.28

Size

Metric CHYM ESTC Software Application median
Market cap 11.43b 8.92b 487.58m

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