Chime Financial, Inc. (CHYM) vs Paycom Software, Inc. (PAYC)
- Chime Financial, Inc. CHYM 29.67 −0.97%
- Paycom Software, Inc. PAYC 250.52 −0.93%
Chime Financial, Inc. and Paycom Software, Inc. are both Software Application companies. Chime Financial, Inc. and Paycom Software, Inc. are of similar size ($11.3B and $11.2B). Chime Financial, Inc. has negative trailing earnings, so its P/E is not meaningful; Paycom Software, Inc. trades at 26.6×. Chime Financial, Inc. grew revenue faster over the last twelve months: 32.6% against 9.22%. Paycom Software, Inc. has the higher net margin (22.8% vs −0.21%) and the higher return on invested capital (31.8% vs −17.8%). Across the 18 metrics below, Paycom Software, Inc. leads on 11 and Chime Financial, Inc. on 7.
Valuation
Profitability
| Metric | CHYM | PAYC | Software Application median |
|---|---|---|---|
| Gross margin | 88.71% | 83.66% | 67.03% |
| Operating margin | (2.08%) | 30.29% | 0.00% |
| Net margin | (0.21%) | 22.78% | 0.00% |
| Free cash flow margin | 12.57% | 26.87% | 5.01% |
| Return on equity | (0.37%) | 41.09% | 0.00% |
| Return on assets | (0.27%) | 10.56% | 0.00% |
| Return on invested capital | (17.81%) | 31.83% | 0.00% |
Growth
Health
Dividend
Size
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