Chime Financial, Inc. (CHYM) vs Manhattan Associates, Inc. (MANH)

Chime Financial, Inc. and Manhattan Associates, Inc. are both Software Application companies. Manhattan Associates, Inc. is the larger, with a market value of $12.2B against $10.3B — 1.2× the size. Chime Financial, Inc. has negative trailing earnings, so its P/E is not meaningful; Manhattan Associates, Inc. trades at 58.4×. Chime Financial, Inc. grew revenue faster over the last twelve months: 32.6% against 6.48%. Manhattan Associates, Inc. has the higher net margin (18.7% vs −0.21%) and the higher return on invested capital (0.00% vs −17.8%). Across the 17 metrics below, Manhattan Associates, Inc. leads on 11 and Chime Financial, Inc. on 6.

Valuation

Metric CHYM MANH Software Application median
P/E n/m 58.37 24.79
P/S 4.14 10.75 2.67
P/B 7.24 76.86 3.01
Price to free cash flow 32.93 30.33 16.59
EV/EBITDA n/m 42.47 14.40
EV/Sales 3.64 10.58 2.62
Earnings yield (0.22%) 1.71% 0.00%
Free cash flow yield 3.04% 3.30% 1.91%

Profitability

Metric CHYM MANH Software Application median
Gross margin 88.71% 55.81% 67.03%
Operating margin (2.08%) 24.33% 0.00%
Net margin (0.21%) 18.67% 0.00%
Free cash flow margin 12.57% 35.45% 4.32%
Return on equity (0.37%) 96.38% 0.00%
Return on assets (0.27%) 29.13% 0.00%
Return on invested capital (17.81%) 0.00% 0.00%

Growth

Metric CHYM MANH Software Application median
Revenue growth (TTM) 32.60% 6.48% 12.40%
EPS growth (last fiscal year) (994.87%) 2.56% —
Revenue growth, 5-year CAGR — 13.02% 13.72%
Net income growth, 5-year CAGR — 20.32% 0.00%

Health

Metric CHYM MANH Software Application median
Debt to equity 0.00 0.00 0.02
Current ratio 4.62 0.98 1.55
Net debt to EBITDA 1.12 (1.15) 0.06

Dividend

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

Size

Metric CHYM MANH Software Application median
Market cap 10.26b 12.22b 396.11m

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