COMP <GO>
CHYM vs ARCC // EV/EBITDA & P/E VALUATION
Chime Financial Inc. (NASDAQ) VS. Ares Capital Corporation (NASDAQ) • 15-METRIC TALLY: CHYM 3
— ARCC 8
■ METRIC PARITY
LAST: $27.95 (-3.19%) • MKT CAP: $10.93B
valuation
—
LAST: $19.11 (-0.05%) • MKT CAP: $13.81B
valuation
11.7x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CHYM VS. ARCC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CHYM | ARCC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -35.00% | 6.00% | -41.00 | ARCC | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 11.7x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -0.42% | -13.69% | +13.27 | CHYM | /fcf-yield <GO> |
| Operating Margin | -47.60% | 41.00% | -88.60 | ARCC | /operating-margins <GO> |
| Net Profit Margin | -46.20% | 33.60% | -79.80 | ARCC | /net-margins <GO> |
| Revenue Growth (YoY) | 30.70% | -2.20% | +32.90 | CHYM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 9.15% | -9.15 | ARCC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | CHYM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.0 | 56.1 | -8.10 | ARCC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.91 | 0.93 | -0.02 | ARCC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 22.0x | 9.9x | +12.10 | ARCC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $10.93B | $13.81B | -$2.88B | ARCC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CHYM REV | ARCC REV | CHYM GROSS % | ARCC GROSS % | CHYM FCF | ARCC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.19B | $0 | 88.0% | — | -$45.6M | -$1.72B |
| FY 2024 | $1.67B | $0 | 87.6% | — | -$11.2M | -$2.13B |
| FY 2023 | $1.28B | $0 | — | — | -$214.1M | $511.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CHYM // BETA 0.91
ARCC // BETA 0.93