` Comparison: CHYM, NATL - Alpha Spread

C
CHYM
vs
N
NATL

Over the past 12 months, CHYM has underperformed NATL, delivering a return of -5% compared to the NATL's +15% growth.

Valuation Growth Profitability Solvency Stocks Performance
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CHYM
NATL
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Stocks Compared:
CHYM NATL
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Valuation Comparison

C
CHYM Intrinsic Value
Not Available
N
NATL Intrinsic Value
63.79 USD
Undervaluation 39%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
C
Chime Financial Inc
NASDAQ:CHYM
25.77 USD
N
NCR Atleos Corp
NYSE:NATL
38.92 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
CHYM, NATL

CHYM
NATL
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
C
Chime Financial Inc
Revenue
N
NCR Atleos Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
CHYM, NATL

CHYM
NATL
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
C
Chime Financial Inc
NASDAQ:CHYM
N
NCR Atleos Corp
NYSE:NATL
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What is Free Cash Flow?

Gross Margin

CHYM
87.6%
NATL
24.3%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

Operating Margin

CHYM
-62%
NATL
10.2%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

Net Margin

CHYM
-61.5%
NATL
2.7%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

FCF Margin

CHYM
-0.9%
NATL
1%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

ROE

CHYM
-67.8%
NATL
47.8%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

ROA

CHYM
-49.8%
NATL
2.5%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

ROIC

CHYM
-117%
NATL
7.6%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

ROCE

CHYM
-61.4%
NATL
13.8%
LTM 3Y Avg 5Y Avg 10Y Avg
C
Chime Financial Inc
N
NCR Atleos Corp

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CHYM, NATL

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CHYM
NATL
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CHYM, NATL

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CHYM
NATL
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
CHYM, NATL

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NATL
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