Chime Financial, Inc. (CHYM) vs Grab Holdings Limited (GRAB)

Chime Financial, Inc. and Grab Holdings Limited are both Software Application companies. Grab Holdings Limited is the larger, with a market value of $12.7B against $11.0B — 1.2× the size. Chime Financial, Inc. has negative trailing earnings, so its P/E is not meaningful; Grab Holdings Limited trades at 22.8×. Chime Financial, Inc. grew revenue faster over the last twelve months: 32.6% against 21.4%. Grab Holdings Limited has the higher net margin (16.0% vs −0.21%) and the higher return on invested capital (2.55% vs −17.8%). Across the 17 metrics below, Grab Holdings Limited leads on 11 and Chime Financial, Inc. on 6.

Valuation

Metric CHYM GRAB Software Application median
P/E n/m 22.79 24.69
P/S 4.65 3.49 2.74
P/B 8.13 1.81 2.83
Price to free cash flow 36.99 n/m 17.55
EV/EBITDA n/m 26.97 14.66
EV/Sales 4.15 2.35 2.65
Earnings yield (0.20%) 4.39% 0.00%
Free cash flow yield 2.70% (1.30%) 1.87%

Profitability

Metric CHYM GRAB Software Application median
Gross margin 88.71% 43.62% 67.03%
Operating margin (2.08%) 3.22% 0.00%
Net margin (0.21%) 16.01% 0.00%
Free cash flow margin 12.57% (4.53%) 5.01%
Return on equity (0.37%) 8.80% 0.00%
Return on assets (0.27%) 4.86% 0.00%
Return on invested capital (17.81%) 2.55% 0.00%

Growth

Metric CHYM GRAB Software Application median
Revenue growth (TTM) 32.60% 21.42% 12.48%
EPS growth (last fiscal year) (994.87%) 300.00% 32.26%
Revenue growth, 5-year CAGR — 48.35% 14.21%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric CHYM GRAB Software Application median
Debt to equity 0.00 0.28 0.02
Current ratio 4.62 1.52 1.52
Net debt to EBITDA 1.12 (19.63) 0.06

Dividend

Metric CHYM GRAB Software Application median
Dividend yield — — 0.86%
Payout ratio — — 0.29

Size

Metric CHYM GRAB Software Application median
Market cap 10.96b 12.68b 379.49m

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