COMP <GO>
CHYM vs TRU // DIVIDEND YIELD & FCF PAYOUT SAFETY
Chime Financial Inc. (NASDAQ) VS. TransUnion (NYSE) • 15-METRIC TALLY: CHYM 3
— TRU 8
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: TRU
LAST: $28.87 (+0.24%) • MKT CAP: $10.93B
dividend-safety
0.00%
LAST: $75.49 (+1.59%) • MKT CAP: $14.40B
dividend-safety
0.63%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHYM VS. TRU)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHYM | TRU | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 8.00% | -43.00 | TRU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 16.3x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.42% | 4.60% | -5.02 | TRU | /fcf-yield <GO> |
| Operating Margin | -47.60% | 18.70% | -66.30 | TRU | /operating-margins <GO> |
| Net Profit Margin | -46.20% | 10.00% | -56.20 | TRU | /net-margins <GO> |
| Revenue Growth (YoY) | 30.70% | 9.40% | +21.30 | CHYM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 0.63% | -0.63 | TRU | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 8/9 | -2.00 | TRU | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.0 | 53.2 | -5.20 | TRU | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.89 | +0.02 | CHYM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 29.4x | -7.40 | CHYM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.93B | $14.40B | -$3.47B | TRU | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHYM REV | TRU REV | CHYM GROSS % | TRU GROSS % | CHYM FCF | TRU FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.19B | $4.58B | 88.0% | — | -$45.6M | $661.6M |
| FY 2024 | $1.67B | $4.18B | 87.6% | — | -$11.2M | $516.7M |
| FY 2023 | $1.28B | $3.83B | — | — | -$214.1M | $473.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHYM // BETA 0.91
TRU // BETA 0.89