Pricing Log in Create free account

Chime Financial, Inc. (CHYM) vs Procore Technologies, Inc. (PCOR)

Chime Financial, Inc. and Procore Technologies, Inc. are both Software Application companies. Chime Financial, Inc. and Procore Technologies, Inc. are of similar size ($11.5B and $11.4B). Procore Technologies, Inc. has negative trailing earnings, so its P/E is not meaningful; Chime Financial, Inc. trades at 150×. Chime Financial, Inc. grew revenue faster over the last twelve months: 30.8% against 16.5%. Chime Financial, Inc. has the higher net margin (3.54% vs −2.31%) and the higher return on invested capital (1.95% vs −8.14%). Across the 18 metrics below, Chime Financial, Inc. leads on 16 and Procore Technologies, Inc. on 2.

Valuation

Metric CHYM PCOR Software Application median
P/E 149.70 n/m 25.90
P/S 4.33 7.71 3.04
P/B 7.40 10.56 2.60
Price to free cash flow 27.30 39.91 17.17
EV/EBITDA 131.78 182.34 15.48
EV/Sales 3.87 7.30 2.89
Earnings yield 0.67% (0.30%) 0.00%
Free cash flow yield 3.66% 2.51% 1.98%

Profitability

Metric CHYM PCOR Software Application median
Gross margin 89.36% 80.15% 66.89%
Operating margin 1.83% (4.13%) 0.00%
Net margin 3.54% (2.31%) 0.00%
Free cash flow margin 17.24% 25.25% 5.77%
Return on equity 6.25% (2.98%) 0.00%
Return on assets 4.47% (1.34%) 0.00%
Return on invested capital 1.95% (8.14%) 0.00%

Growth

Metric CHYM PCOR Software Application median
Revenue growth (TTM) 30.77% 16.50% 12.27%
EPS growth (last fiscal year) (994.87%) 6.94% 32.11%
Revenue growth, 5-year CAGR — 27.00% 14.34%
Net income growth, 5-year CAGR — 0.00% 0.00%

Health

Metric CHYM PCOR Software Application median
Debt to equity 0.00 0.00 0.02
Current ratio 4.80 1.06 1.53
Net debt to EBITDA 1.12 53.89 0.09

Dividend

Metric CHYM PCOR Software Application median
Dividend yield — — 1.10%
Payout ratio — — 0.28

Size

Metric CHYM PCOR Software Application median
Market cap 11.43b 11.49b 487.58m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack