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Chime Financial, Inc. (CHYM) vs Paycom Software, Inc. (PAYC)

Chime Financial, Inc. and Paycom Software, Inc. are both Software Application companies. Chime Financial, Inc. and Paycom Software, Inc. are of similar size ($11.4B and $11.1B). Paycom Software, Inc. trades at the lower P/E: 23.8× against 150×. Chime Financial, Inc. grew revenue faster over the last twelve months: 30.8% against 9.49%. Paycom Software, Inc. has the higher net margin (23.3% vs 3.54%) and the higher return on invested capital (36.2% vs 1.95%). Across the 20 metrics below, Paycom Software, Inc. leads on 13 and Chime Financial, Inc. on 7.

Valuation

Metric CHYM PAYC Software Application median
P/E 149.70 23.79 25.90
P/S 4.33 5.21 3.04
P/B 7.40 16.13 2.60
Price to free cash flow 27.30 17.77 17.17
EV/EBITDA 131.78 14.15 15.48
EV/Sales 3.87 5.46 2.89
Earnings yield 0.67% 4.20% 0.00%
Free cash flow yield 3.66% 5.63% 1.98%

Profitability

Metric CHYM PAYC Software Application median
Gross margin 89.36% 0.00% 66.89%
Operating margin 1.83% 33.39% 0.00%
Net margin 3.54% 23.28% 0.00%
Free cash flow margin 17.24% 30.08% 5.77%
Return on equity 6.25% 42.21% 0.00%
Return on assets 4.47% 9.87% 0.00%
Return on invested capital 1.95% 36.20% 0.00%

Growth

Metric CHYM PAYC Software Application median
Revenue growth (TTM) 30.77% 9.49% 12.27%
EPS growth (last fiscal year) (994.87%) (9.42%) 32.11%
Revenue growth, 5-year CAGR — 19.51% 14.34%
Net income growth, 5-year CAGR — 25.88% 0.00%

Health

Metric CHYM PAYC Software Application median
Debt to equity 0.00 1.06 0.02
Current ratio 4.80 1.06 1.53
Net debt to EBITDA 1.12 (0.50) 0.09

Dividend

Metric CHYM PAYC Software Application median
Dividend yield — 0.60% 1.10%
Payout ratio — 0.14 0.28

Size

Metric CHYM PAYC Software Application median
Market cap 11.43b 11.07b 487.58m

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