Automatic Data Processing Inc (ADP)vsChime Financial, Inc. Class A Common Stock (CHYM)
ADP
Automatic Data Processing Inc
$286.08
+0.25%
TECHNOLOGY · Cap: $113.74B
CHYM
Chime Financial, Inc. Class A Common Stock
$28.80
+0.88%
TECHNOLOGY · Cap: $11.19B
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 793% more annual revenue ($21.95B vs $2.46B). ADP leads profitability with a 20.1% profit margin vs -0.7%. ADP trades at a lower P/E of 26.2x. ADP earns a higher WallStSmart Score of 62/100 (C+).
ADP
Buy62
out of 100
Grade: C+
CHYM
Hold36
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-84.1%
Fair Value
$165.18
Current Price
$286.08
$120.90 premium
Intrinsic value data unavailable for CHYM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 73 in profit
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Strong operational efficiency at 23.5%
Generating 1.4B in free cash flow
Conservative balance sheet, low leverage
Revenue surging 26.8% year-over-year
Areas to Watch
Expensive relative to growth rate
Moderate valuation
Trading at 18.9x book value
Weak financial health signals
Premium valuation, high expectations priced in
Weak financial health signals
ROE of -1.3% — below average capital efficiency
Earnings declined 33.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Market Cap, Profit Margin. Profitability is solid with margins at 20.1% and operating margin at 23.5%.
Bull Case : CHYM
The strongest argument for CHYM centers on Debt/Equity, Revenue Growth. Revenue growth of 26.8% demonstrates continued momentum.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, P/E Ratio, Price/Book.
Bear Case : CHYM
The primary concerns for CHYM are P/E Ratio, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
ADP profiles as a mature stock while CHYM is a growth play — different risk/reward profiles.
CHYM is growing revenue faster at 26.8% — sustainability is the question.
ADP generates stronger free cash flow (1.4B), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ADP scores higher overall (62/100 vs 36/100), backed by strong 20.1% margins. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Chime Financial, Inc. Class A Common Stock
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions. The company is headquartered in San Francisco, California.
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