` Comparison: SQ3, CHYM - Alpha Spread

SQ3
vs
C
CHYM

Over the past 12 months, SQ3 has underperformed CHYM, delivering a return of +17% compared to the CHYM's +25% growth.

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SQ3
CHYM
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Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

SQ3 Intrinsic Value
96.21 EUR
Undervaluation 30%
Intrinsic Value
Price
C
CHYM Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Block Inc
XBER:SQ3
66.97 EUR
C
Chime Financial Inc
NASDAQ:CHYM
33.82 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SQ3, CHYM

SQ3
CHYM
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Block Inc
Revenue
C
Chime Financial Inc
Revenue

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

Profitability Comparison

Free Cash Flow
SQ3, CHYM

SQ3
CHYM
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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
Block Inc
XBER:SQ3
C
Chime Financial Inc
NASDAQ:CHYM
What is Free Cash Flow?

Gross Margin

SQ3
38%
CHYM
88.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

Operating Margin

SQ3
7.4%
CHYM
1.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

Net Margin

SQ3
10.9%
CHYM
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

FCF Margin

SQ3
5%
CHYM
9.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

ROE

SQ3
12.9%
CHYM
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

ROA

SQ3
7.3%
CHYM
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

ROIC

SQ3
3.9%
CHYM
1.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

ROCE

SQ3
7%
CHYM
0.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Block Inc
C
Chime Financial Inc

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
SQ3, CHYM

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Performance Gap
SQ3, CHYM

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SQ3
CHYM
Difference
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Performance By Year
SQ3, CHYM

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SQ3
CHYM
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