COMP <GO>
CHYM vs JPM // 10Y YIELD & FRED MACRO BETA
Chime Financial Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: CHYM 3
— JPM 8
▲ 10Y YIELD & FRED MACRO BETA LEADER: JPM
LAST: $27.95 (-3.19%) • MKT CAP: $10.58B
macro-sensitivity
0.91
LAST: $337.04 (-1.90%) • MKT CAP: $895.92B
macro-sensitivity
1.00
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHYM VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHYM | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 17.37% | -52.37 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 9.8x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.42% | -17.93% | +17.51 | CHYM | /fcf-yield <GO> |
| Operating Margin | -47.60% | 42.07% | -89.67 | JPM | /operating-margins <GO> |
| Net Profit Margin | -46.20% | 32.63% | -78.83 | JPM | /net-margins <GO> |
| Revenue Growth (YoY) | 30.70% | 13.53% | +17.17 | CHYM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.94% | -1.94 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 2/9 | +4.00 | CHYM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.77% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.4 | 51.2 | -8.80 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.91 | 1.00 | -0.09 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 13.3x | +8.73 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.58B | $895.92B | -$885.33B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHYM REV | JPM REV | CHYM GROSS % | JPM GROSS % | CHYM FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.19B | $182.45B | 88.0% | — | -$45.6M | -$147.78B |
| FY 2024 | $1.67B | $177.56B | 87.6% | — | -$11.2M | -$42.01B |
| FY 2023 | $1.28B | $158.10B | — | — | -$214.1M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHYM // BETA 0.91
JPM // BETA 1.00