Chime Financial, Inc. (CHYM) vs Guidewire Software, Inc. (GWRE)
Chime Financial, Inc. and Guidewire Software, Inc. are both Software Application companies. Guidewire Software, Inc. is the larger, with a market value of $12.4B against $10.3B — 1.2× the size. Chime Financial, Inc. has negative trailing earnings, so its P/E is not meaningful; Guidewire Software, Inc. trades at 87.7×. Chime Financial, Inc. grew revenue faster over the last twelve months: 32.6% against 22.7%. Guidewire Software, Inc. has the higher net margin (9.44% vs −0.21%) and the higher return on invested capital (8.37% vs −17.8%). Across the 18 metrics below, Chime Financial, Inc. leads on 9 and Guidewire Software, Inc. on 9.
Valuation
Profitability
| Metric | CHYM | GWRE | Software Application median |
|---|---|---|---|
| Gross margin | 88.71% | 64.21% | 67.03% |
| Operating margin | (2.08%) | 10.16% | 0.00% |
| Net margin | (0.21%) | 9.44% | 0.00% |
| Free cash flow margin | 12.57% | 24.31% | 4.32% |
| Return on equity | (0.37%) | 10.51% | 0.00% |
| Return on assets | (0.27%) | 5.26% | 0.00% |
| Return on invested capital | (17.81%) | 8.37% | 0.00% |
Growth
Health
Dividend
Size
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