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CHYM vs PEGA

CHYM
Chime Financial, Inc.
NEUTRAL
Price
$19.13
Market Cap
$7.35B
Sector
Technology
AI Confidence
80%
PEGA
Pegasystems Inc.
NEUTRAL
Price
$43.28
Market Cap
$7.35B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
CHYM
--
PEGA
20.32
Forward P/E
CHYM
16.63
PEGA
14.24
P/B Ratio
CHYM
5.19
PEGA
9.36
P/S Ratio
CHYM
3.36
PEGA
4.21
EV/EBITDA
CHYM
-10.92
PEGA
23.37

Profitability

Gross Margin
CHYM
87.97%
PEGA
75.86%
Operating Margin
CHYM
13.7%
PEGA
24.92%
Profit Margin
CHYM
-46.18%
PEGA
22.54%
ROE
CHYM
-85.54%
PEGA
57.32%
ROA
CHYM
-21.9%
PEGA
10.46%

Growth

Revenue Growth
CHYM
25.5%
PEGA
2.7%
Earnings Growth
CHYM
--
PEGA
104.3%

Financial Health

Debt/Equity
CHYM
0.1
PEGA
0.1
Current Ratio
CHYM
4.53
PEGA
1.33
Quick Ratio
CHYM
3.57
PEGA
1.23

Dividends

Dividend Yield
CHYM
--
PEGA
0.28%
Payout Ratio
CHYM
0.0%
PEGA
6.34%

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%
PEGA NEUTRAL

PEGA demonstrates exceptional financial health with a Piotroski F-Score of 8/9 and a very low Debt/Equity ratio of 0.10. While the stock trades at a significant discount to its growth-based intrinsic value ($62.83) and analyst targets ($59.36), it is severely hindered by stagnant revenue growth of only 2.70% and an alarmingly high PEG ratio of 15.20. The divergence between strong internal efficiency (ROE 57.32%) and poor top-line growth, coupled with bearish insider selling and a 0/100 technical trend, suggests a period of consolidation or transition.

Strengths
Strong financial health (Piotroski F-Score 8/9)
Exceptional Return on Equity (ROE) of 57.32%
Very low leverage with Debt/Equity at 0.10
Risks
Stagnant revenue growth (2.70% YoY) suggests a lack of market expansion
High PEG ratio (15.20) indicates the stock is overvalued relative to its growth rate
Ongoing legal litigation with Appian Corp. poses a material financial risk

Compare Another Pair

CHYM vs PEGA: Head-to-Head Comparison

This page compares Chime Financial, Inc. (CHYM) and Pegasystems Inc. (PEGA) 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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