Upexi (NASDAQ:UPXI – Get Free Report) and Chime Financial (NASDAQ:CHYM – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, earnings, analyst recommendations, valuation and institutional ownership.
Insider & Institutional Ownership
5.7% of Upexi shares are owned by institutional investors. 9.0% of Upexi shares are owned by company insiders. Comparatively, 12.3% of Chime Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Volatility and Risk
Upexi has a beta of -0.27, indicating that its share price is 127% less volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.3, indicating that its share price is 70% less volatile than the S&P 500.
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Upexi | 1 | 0 | 1 | 0 | 2.00 |
| Chime Financial | 1 | 3 | 14 | 4 | 2.95 |
Upexi currently has a consensus price target of $4.65, suggesting a potential upside of 326.61%. Chime Financial has a consensus price target of $32.33, suggesting a potential downside of 2.35%. Given Upexi’s higher possible upside, equities research analysts clearly believe Upexi is more favorable than Chime Financial.
Profitability
This table compares Upexi and Chime Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Upexi | -874.00% | -66.70% | -19.56% |
| Chime Financial | -0.74% | -1.28% | -0.92% |
Valuation and Earnings
This table compares Upexi and Chime Financial”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Upexi | $15.81 million | 5.43 | -$13.68 million | ($0.62) | -1.76 |
| Chime Financial | $2.19 billion | 5.73 | -$1.01 billion | ($0.07) | -473.00 |
Upexi has higher earnings, but lower revenue than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Upexi, indicating that it is currently the more affordable of the two stocks.
Summary
Chime Financial beats Upexi on 11 of the 15 factors compared between the two stocks.
About Upexi
Upexi, Inc. manufactures and sells various branded products in the health, wellness, pet, beauty, and other markets. The company was formerly known as Grove, Inc. and changed its name to Upexi, Inc. in August 2022. The company was incorporated in 2018 and is headquartered in Clearwater, Florida.
About Chime Financial
Chime is a financial technology company that partners with federally regulated, FDIC-insured banks—The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC—to provide consumer banking products and services. The company’s model is designed to eliminate common fees and simplify access to basic financial services.
Chime does not charge overdraft fees, monthly service fees, or require minimum balances. All account balances are held at partner banks and protected by applicable regulatory safeguards to ensure funds remain secure and accessible.
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