Chime Financial (NASDAQ:CHYM) & Neostellar Capital (NASDAQ:NSLR) Critical Survey
by Danessa Lincoln · The Markets DailyNeostellar Capital (NASDAQ:NSLR – Get Free Report) and Chime Financial (NASDAQ:CHYM – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their dividends, earnings, risk, institutional ownership, profitability, analyst recommendations and valuation.
Volatility and Risk
Neostellar Capital has a beta of 1.49, suggesting that its stock price is 49% more volatile than the S&P 500. Comparatively, Chime Financial has a beta of 0.74, suggesting that its stock price is 26% less volatile than the S&P 500.
Valuation and Earnings
This table compares Neostellar Capital and Chime Financial”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Neostellar Capital | $1.69 million | 90.22 | $48.81 million | $2.95 | 1.95 |
| Chime Financial | $2.19 billion | 5.42 | -$1.01 billion | ($0.07) | -447.57 |
Neostellar Capital has higher earnings, but lower revenue than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Neostellar Capital, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Neostellar Capital and Chime Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Neostellar Capital | 6,053.56% | -12.63% | -10.14% |
| Chime Financial | -0.74% | -1.28% | -0.92% |
Insider and Institutional Ownership
13.0% of Neostellar Capital shares are held by institutional investors. 8.3% of Neostellar Capital shares are held by insiders. Comparatively, 12.3% of Chime Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Analyst Ratings
This is a summary of current ratings and price targets for Neostellar Capital and Chime Financial, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Neostellar Capital | 0 | 1 | 4 | 1 | 3.00 |
| Chime Financial | 1 | 2 | 17 | 3 | 2.96 |
Neostellar Capital presently has a consensus target price of $12.75, suggesting a potential upside of 121.35%. Chime Financial has a consensus target price of $39.47, suggesting a potential upside of 25.99%. Given Neostellar Capital’s stronger consensus rating and higher possible upside, analysts plainly believe Neostellar Capital is more favorable than Chime Financial.
Summary
Neostellar Capital beats Chime Financial on 8 of the 14 factors compared between the two stocks.
About Neostellar Capital
SuRo Capital Corp. is a business development company. The firm seeks to invest in growing, late stage, venture capital-backed private companies. SuRo Capital Corp. was founded in 2010 and is based in San Francisco, California.
About Chime Financial
Chime is a financial technology company that partners with federally regulated, FDIC-insured banks—The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC—to provide consumer banking products and services. The company’s model is designed to eliminate common fees and simplify access to basic financial services.
Chime does not charge overdraft fees, monthly service fees, or require minimum balances. All account balances are held at partner banks and protected by applicable regulatory safeguards to ensure funds remain secure and accessible.