CHYM vs CRCL: stock comparison and AI forecast
Chime Financial, Inc. (CHYM) and Circle Internet Group, Inc. (CRCL) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CHYM Chime Financial, Inc.
- Market Cap
- $11.43B
- P/E Ratio
- 9.2x
- Size
- large-cap
- AI Forecast
CRCL Circle Internet Group, Inc.
- Market Cap
- $17.64B
- P/E Ratio
- 16.4x
- Size
- large-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CRCL is 1.5 times larger than CHYM by market capitalization ($17.64B against $11.43B).
- CHYM trades at 9.2 times trailing earnings, CRCL at 16.4 times.
- CRCL carries 19.12 times debt per unit of equity, against 0.43 times for CHYM.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CHYM | CRCL |
|---|---|---|
| Market Cap | $11.43B | $17.64B |
| P/E Ratio | 9.20x | 16.39x |
| P/B Ratio | 7.41x | 4.57x |
| EPS | $3.28 | $4.24 |
| Book Value/Share | $4.07 | $15.21 |
| Revenue/Share | $8.32 | $14.22 |
| FCF/Share | $1.10 | $2.92 |
Profitability & Margins
| Metric | CHYM | CRCL |
|---|---|---|
| ROIC | 3.2% | 11.1% |
| Gross Margin | 89.2% | – |
| Operating Margin | 1.8% | 12.1% |
| EBT Margin | 3.0% | 15.7% |
| Tax Rate | 2.6% | 7.0% |
Financial Health
| Metric | CHYM | CRCL |
|---|---|---|
| Current Ratio | 4.80x | 1.04x |
| D/E Ratio | 0.43x | 19.12x |
| Financial Leverage | 1.43x | 20.12x |
| Interest Coverage | 32.1x | 964.5x |
| Working Capital | $1.59B | $2.88B |
Cash Flow
| Metric | CHYM | CRCL |
|---|---|---|
| Operating Cash Flow | $454M | $772M |
| Free Cash Flow | $418M | $741M |
| Capital Spending | -$35M | -$31M |
| FCF/Sales | 13.3% | 20.5% |
| CapEx/Sales | 1.1% | 0.9% |
Operational Efficiency
| Metric | CHYM | CRCL |
|---|---|---|
| Asset Turnover | 1.43x | 0.05x |
| Receivables Turnover | 9.8x | 53.1x |
| Fixed Assets Turnover | 33.1x | 170.6x |
| Days Sales Outstanding | 37 days | 7 days |
| Payables Period | 31 days | – |
Income Statement
| Metric | CHYM | CRCL |
|---|---|---|
| Total Revenue | $3.15B | $3.61B |
| Operating Income | $57M | $436M |
| R&D Expense | $531M | – |
| SG&A Expense | $963M | – |
| Cost of Goods Sold | $340M | – |
Dividend & Shareholder Information
| Metric | CHYM | CRCL |
|---|---|---|
| Shares Outstanding | 379M | 254M |
CHYM vs CRCL: stock comparison and AI forecast
Which is bigger, CHYM or CRCL?
CRCL is 1.5 times larger than CHYM by market capitalization ($17.64B against $11.43B).
Which is cheaper on earnings, CHYM or CRCL?
CHYM trades at 9.2 times trailing earnings, CRCL at 16.4 times.
Which one does Intratio's AI model rank higher, CHYM or CRCL?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.