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APLD vs CHYM

APLD
Applied Digital Corporation
BEARISH
Price
$27.05
Market Cap
$7.56B
Sector
Technology
AI Confidence
85%
CHYM
Chime Financial, Inc.
NEUTRAL
Price
$19.13
Market Cap
$7.35B
Sector
Technology
AI Confidence
80%

Valuation

P/E Ratio
APLD
--
CHYM
--
Forward P/E
APLD
-30.22
CHYM
16.63
P/B Ratio
APLD
5.21
CHYM
5.19
P/S Ratio
APLD
28.65
CHYM
3.36
EV/EBITDA
APLD
414.75
CHYM
-10.92

Profitability

Gross Margin
APLD
19.61%
CHYM
87.97%
Operating Margin
APLD
-24.45%
CHYM
13.7%
Profit Margin
APLD
-47.35%
CHYM
-46.18%
ROE
APLD
-7.9%
CHYM
-85.54%
ROA
APLD
-1.49%
CHYM
-21.9%

Growth

Revenue Growth
APLD
250.1%
CHYM
25.5%
Earnings Growth
APLD
--
CHYM
--

Financial Health

Debt/Equity
APLD
1.26
CHYM
0.1
Current Ratio
APLD
4.82
CHYM
4.53
Quick Ratio
APLD
3.43
CHYM
3.57

Dividends

Dividend Yield
APLD
--
CHYM
--
Payout Ratio
APLD
0.0%
CHYM
0.0%

AI Verdict

APLD BEARISH

APLD's deterministic health scores signal severe financial distress: the Piotroski F-Score of 1/9 indicates extreme weakness in operational and financial health, while the absence of an Altman Z-Score raises red flags for potential bankruptcy risk. Despite a remarkable 250% YoY revenue growth and strong earnings surprises in recent quarters, the company operates at a deep loss with a -47.35% profit margin and negative ROE, undermining long-term sustainability. Insider selling totaling $18.85M over six months, including large sales by the CEO and directors, contradicts the 'strong_buy' analyst consensus and suggests internal skepticism. The stock trades at a premium valuation (Price/Sales: 28.65, Price/Book: 5.21) with no intrinsic value or Graham Number available, reflecting speculative pricing rather than fundamental strength.

Strengths
Exceptional 250.10% YoY revenue growth indicates strong market traction and expansion
Recent quarters have consistently beaten earnings estimates with average surprise of 69.94%
High insider selling volume may reflect strategic liquidity events rather than panic
Risks
Piotroski F-Score of 1/9 indicates severe financial deterioration and operational weakness
Negative profit margin (-47.35%) and ROE (-7.90%) signal unsustainable business model
Insider selling of $18.85M in 6 months, including CEO and directors, is a major bearish signal
CHYM NEUTRAL

CHYM shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Mixed signals with both opportunities and risks present.

Strengths
Strong revenue growth of 25.5%
Low debt with D/E ratio of 0.10
Risks
Low profit margin of -46.2%
Weak financial trend (Piotroski F-Score: 2/9)
Weak ROE of -85.5%

Compare Another Pair

APLD vs CHYM: Head-to-Head Comparison

This page compares Applied Digital Corporation (APLD) and Chime Financial, Inc. (CHYM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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