COMP <GO>
CHYM vs KLAR // GROSS PROFIT MARGIN
Chime Financial Inc. (NASDAQ) VS. Klarna Group plc (NYSE) • 15-METRIC TALLY: CHYM 3
— KLAR 7
■ METRIC PARITY
LAST: $28.87 (+0.24%) • MKT CAP: $10.93B
gross-margins
—
LAST: $13.65 (+3.72%) • MKT CAP: $9.63B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHYM VS. KLAR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHYM | KLAR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 9.90% | -44.90 | KLAR | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 21.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.42% | 2.21% | -2.63 | KLAR | /fcf-yield <GO> |
| Operating Margin | -47.60% | 13.90% | -61.50 | KLAR | /operating-margins <GO> |
| Net Profit Margin | -46.20% | 10.90% | -57.10 | KLAR | /net-margins <GO> |
| Revenue Growth (YoY) | 30.70% | -1.10% | +31.80 | CHYM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | KLAR | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.0 | 54.0 | -6.00 | KLAR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.92 | -0.01 | KLAR | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 30.5x | -8.50 | CHYM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.93B | $9.63B | $1.30B | CHYM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHYM REV | KLAR REV | CHYM GROSS % | KLAR GROSS % | CHYM FCF | KLAR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.19B | — | 88.0% | — | -$45.6M | — |
| FY 2024 | $1.67B | — | 87.6% | — | -$11.2M | — |
| FY 2023 | $1.28B | — | — | — | -$214.1M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHYM // BETA 0.91
KLAR // BETA 0.92