No connection

Search Results

CHYM vs CWAN

CHYM
Chime Financial, Inc.
NEUTRAL
Price
$19.13
Market Cap
$7.35B
Sector
Technology
AI Confidence
80%
CWAN
Clearwater Analytics Holdings, Inc.
BEARISH
Price
$24.15
Market Cap
$7.19B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
CHYM
--
CWAN
--
Forward P/E
CHYM
16.63
CWAN
27.2
P/B Ratio
CHYM
5.19
CWAN
3.48
P/S Ratio
CHYM
3.36
CWAN
9.83
EV/EBITDA
CHYM
-10.92
CWAN
91.12

Profitability

Gross Margin
CHYM
87.97%
CWAN
67.29%
Operating Margin
CHYM
13.7%
CWAN
-3.1%
Profit Margin
CHYM
-46.18%
CWAN
-5.31%
ROE
CHYM
-85.54%
CWAN
-2.63%
ROA
CHYM
-21.9%
CWAN
0.03%

Growth

Revenue Growth
CHYM
25.5%
CWAN
72.0%
Earnings Growth
CHYM
--
CWAN
--

Financial Health

Debt/Equity
CHYM
0.1
CWAN
0.42
Current Ratio
CHYM
4.53
CWAN
1.83
Quick Ratio
CHYM
3.57
CWAN
1.63

Dividends

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

AI Verdict

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%
CWAN BEARISH

CWAN exhibits a critical disconnect between explosive top-line growth and fundamental financial health, evidenced by a weak Piotroski F-Score of 2/9. While revenue growth is an impressive 72% YoY, the valuation is severely stretched with a PEG ratio of 10.15 and a Price/Sales ratio of 9.83. This fundamental weakness is compounded by aggressive insider selling from the CEO, CFO, and CTO, and a bearish technical trend. Despite a consistent track record of earnings beats, the lack of GAAP profitability and poor deterministic health scores suggest the stock is significantly overvalued.

Strengths
Exceptional revenue growth of 72% YoY
Strong gross margins at 67.29%
Consistent history of beating quarterly earnings estimates
Risks
Very weak financial health (Piotroski F-Score 2/9)
Extreme valuation stretch (PEG Ratio 10.15)
Negative profit margins (-5.31%) and ROE (-2.63%)

Compare Another Pair

CHYM vs CWAN: Head-to-Head Comparison

This page compares Chime Financial, Inc. (CHYM) and Clearwater Analytics Holdings, Inc. (CWAN) 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.

Home
Terminal
AI Chat
Markets
Profile