CHYM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While CHYM has a great health rating, there are worries on its profitability. CHYM is quite expensive at the moment. It does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year CHYM has reported negative net income.

1.2 Ratios

With a Return On Assets value of -1.29%, CHYM is not doing good in the industry: 79.38% of the companies in the same industry are doing better.
With a Return On Equity value of -1.76%, CHYM is not doing good in the industry: 74.23% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-1.29%
ROE	-1.76%
ROIC	N/A

ROA(3y)-16.76%

ROA(5y)N/A

ROE(3y)-22.35%

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Gross Margin, with a value of 87.60%, CHYM belongs to the top of the industry, outperforming 90.72% of the companies in the same industry.
CHYM does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	87.6%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CHYM does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CHYM has about the same amount of shares outstanding.
CHYM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

An Altman-Z score of 10.69 indicates that CHYM is not in any danger for bankruptcy at the moment.
The Altman-Z score of CHYM (10.69) is better than 93.81% of its industry peers.
CHYM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	10.69

ROIC/WACCN/A

WACC8.88%

2.3 Liquidity

A Current Ratio of 4.94 indicates that CHYM has no problem at all paying its short term obligations.
CHYM has a Current ratio of 4.94. This is amongst the best in the industry. CHYM outperforms 91.75% of its industry peers.
A Quick Ratio of 4.94 indicates that CHYM has no problem at all paying its short term obligations.
CHYM has a Quick ratio of 4.94. This is amongst the best in the industry. CHYM outperforms 91.75% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	4.94
Quick Ratio	4.94

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CHYM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 87.50%, which is quite impressive.
Looking at the last year, CHYM shows a very strong growth in Revenue. The Revenue has grown by 30.88%.

EPS 1Y (TTM)87.5%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%N/A

Revenue 1Y (TTM)30.88%

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%N/A

3.2 Future

Based on estimates for the next years, CHYM will show a very strong growth in Earnings Per Share. The EPS will grow by 109.57% on average per year.
The Revenue is expected to grow by 25.23% on average over the next years. This is a very strong growth

EPS Next Y-6224%

EPS Next 2Y34.63%

EPS Next 3Y109.57%

EPS Next 5YN/A

Revenue Next Year32.2%

Revenue Next 2Y26.04%

Revenue Next 3Y23.33%

Revenue Next 5Y25.23%

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CHYM. In the last year negative earnings were reported.
Also next year CHYM is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.