Oversold

CHMG

Same as last week
Valuation24/ 100
Cash flow & growth69/ 100
Upside potential38/ 100
Risk potential29/ 100

CHMG's valuation is expensive, fundamentals are above averages and forward estimates point to earnings growth and improving margins, though analyst coverage is limited.

Valuation

Historical cheapness: current PE is 12.2× versus the full-history median of 7.9× shown in the valuation table, producing 23.8/100. Positive weekly observations receive equal weight; lower past EPS alone does not disqualify them.

Outlook-adjusted valuation: 24.3/100. The model applies a 12.3% earnings-growth assumption and a 10% annual return hurdle, with positive credit limited by evidence coverage and confidence.

Forward price scenarios use recent PE history separately. Recent history has a separately weighted median of 10.2× (18-month half-life). The favorable scenario uses 11.9× PE and $8.4 projected EPS, informed by growth, margins and earnings-quality checks. This is a model scenario, not an analyst target. A return to the full-history median is not assumed.

Cash flow & growth

Business trends are strong. Over the past year: revenue +2.2%, earnings +194.1%, operating margin +5.2 percentage points. The business score is 68.7/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Stronger earnings and valuation could support a higher share price.

Our favorable case uses $8.43 of EPS and a 11.9× PE, suggesting a share price of about $100.21. Valuation history and outlook inform the PE.

The displayed favorable scenario is 18.1% upside, or about $100.20.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Weaker than expected earnings could put pressure on the share price.

Our downside case uses $5.87 of EPS and a 10.3× PE, suggesting a share price of about $60.45 — 29% below today’s price. Valuation history and outlook inform the PE.

This is a scenario based on our model, not a forecast or probability.

CHMG vs Historical averages

MetricCurrentAverageRelative
PE12x9.8x25% higher
PE percentile855071% higher
EPS$6.94$4.8144% higher
FCF$45.4M$32.6M39% higher
Loading historical comparisons…

CHMG’s earnings and cash flow are above their historical averages, while its earnings multiple is higher.

CHMG Forward outlook

MetricOutlook
Forward valuationImproving
Forward earningsGrowth
Forward revenueDecline
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionTight

CHMG’s outlook is generally improving, with declining sales expectations a concern.

CHMG PE Valuation

Loading pe valuation table…

This table applies CHMG's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

CHMG Earnings Per Share

Loading earnings per share…

This chart tracks CHMG's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

CHMG Quarterly Revenue

Loading quarterly revenue…

This chart tracks CHMG's quarterly revenue over time and shows how sales are changing from year to year.

CHMG Free Cash Flow

Loading free cash flow…

This chart tracks CHMG's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

CHMG Total Shares

Loading shares over time…

This chart tracks changes in CHMG's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

CHMG Net Leverage

Loading net leverage…

Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

CHMG PE vs Financial Services Sector

Loading pe vs sector average…

This chart compares CHMG's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

CHMG Weekly Price

Loading weekly price…

This chart uses CHMG's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

CHMG Weekly Moving Averages

Loading weekly moving averages…

This chart compares CHMG's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

CHMG Yearly ROI

Loading yearly ROI…

Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.