COMP <GO>
CHYM vs BAC // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Chime Financial Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: CHYM 5
— BAC 7
■ METRIC PARITY
LAST: $27.95 (-3.19%) • MKT CAP: $10.93B
options-implied-move
6.60%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
options-implied-move
6.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHYM VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHYM | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 88.00% | 41.00% | +47.00 | CHYM | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 2.50% | -37.50 | BAC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.42% | 2.10% | -2.52 | BAC | /fcf-yield <GO> |
| Operating Margin | -47.60% | 32.90% | -80.50 | BAC | /operating-margins <GO> |
| Net Profit Margin | -46.20% | 27.00% | -73.20 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 30.70% | 6.80% | +23.90 | CHYM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 9.45 | 0.45 | +9.00 | CHYM | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | 6.60% | 6.60% | 0.00 | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.3 | 27.7 | +13.58 | CHYM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.90 | +0.01 | CHYM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 10.9x | +11.10 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.93B | $357.61B | -$346.68B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHYM REV | BAC REV | CHYM GROSS % | BAC GROSS % | CHYM FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.19B | $113.10B | 88.0% | 44.0% | -$45.6M | $7.52B |
| FY 2024 | $1.67B | $105.86B | 87.6% | 44.0% | -$11.2M | -$13.57B |
| FY 2023 | $1.28B | $102.77B | 44.0% | 44.0% | -$214.1M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHYM // BETA 0.91
BAC // BETA 0.90