Chime Financial, Inc. Class A Common Stock (CHYM)vsUber Technologies Inc (UBER)
CHYM
Chime Financial, Inc. Class A Common Stock
$33.00
+1.01%
TECHNOLOGY · Cap: $12.78B
UBER
Uber Technologies Inc
$71.67
-1.23%
TECHNOLOGY · Cap: $146.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 2148% more annual revenue ($55.23B vs $2.46B). UBER leads profitability with a 17.3% profit margin vs -0.7%. CHYM trades at a lower P/E of 6.3x. UBER earns a higher WallStSmart Score of 64/100 (C+).
CHYM
Hold36
out of 100
Grade: F
UBER
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CHYM.
Margin of Safety
+0.4%
Fair Value
$71.93
Current Price
$71.67
$0.26 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Revenue surging 26.8% year-over-year
Every $100 of equity generates 35 in profit
Earnings expanding 85.5% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.8B in free cash flow
Areas to Watch
Trading at 8.9x book value
Weak financial health signals
ROE of -1.3% — below average capital efficiency
Earnings declined 33.8%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CHYM
The strongest argument for CHYM centers on P/E Ratio, Debt/Equity, Revenue Growth. Revenue growth of 26.8% demonstrates continued momentum.
Bull Case : UBER
The strongest argument for UBER centers on Return on Equity, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : CHYM
The primary concerns for CHYM are Price/Book, Piotroski F-Score, Return on Equity.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CHYM profiles as a growth stock while UBER is a mature play — different risk/reward profiles.
CHYM is growing revenue faster at 26.8% — sustainability is the question.
UBER generates stronger free cash flow (2.8B), providing more financial flexibility.
Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UBER scores higher overall (64/100 vs 36/100), backed by strong 17.3% margins and 12.2% revenue growth. 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.
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.
Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
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