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Chime Financial (CHYM) Stock Analysis

This is a peer-relative look at Chime Financial (CHYM): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Financial Services peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Chime Financial (CHYM)
Profile ItemCHYM
NameChime Financial Inc. Class A
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupFinancial Services
GICS IndustryFinancial Services
GICS Sub-IndustryTransaction & Payment Processing Services
Market Capitalization12.02 billion USD
CurrencyUSD
ExchangeNasdaq
Listing DateJune 12, 2025
Security TypeCommon Stock

Price Performance

Cumulative Growth

CHYM
GSPC
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Chime Financial (CHYM) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Chime Financial (CHYM) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Chime Financial (CHYM) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Total Return (1Y)63.03%1.90%
Total Return (3Y, Annualized)--12.71%
Total Return (5Y, Annualized)--2.81%

Risk Profile

Drawdown History

CHYM
GSPC
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Chime Financial (CHYM) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Chime Financial (CHYM) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Volatility (1Y, Annualized)61.33%36.24%
Beta (5Y)0.311.04
Max Drawdown (5Y)-55.70%-48.56%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. CHYM is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Sharpe Ratio (1Y)0.96-0.09
Sortino Ratio (1Y)1.48-0.13

Profitability

ROE (TTM)

Chime Financial (CHYM) posts ROE of 5.38%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

CHYM

Financial Services industry group

5.38%

Group distribution
Max
44.78%
Q3
21.85%
Median
12.91%
CHYM
5.38%
Q1
4.48%
Min
-18.71%
Largest peers
MA
231.37%
V
63.51%
MS
18.04%
GS
17.71%
BRK.A
12.12%
BRK.B
12.12%
CHYM
5.38%
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Where Chime Financial (CHYM) stands on ROE within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Chime Financial (CHYM) keeps 3.05% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

CHYM

Financial Services industry group

3.05%

Group distribution
Max
62.84%
Q3
28.05%
Median
15.36%
Q1
4.82%
CHYM
3.05%
Min
-28.52%
Largest peers
V
51.20%
MA
46.73%
GS
31.21%
MS
25.63%
BRK.A
22.30%
BRK.B
22.30%
CHYM
3.05%
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Where Chime Financial (CHYM) stands on net margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

Chime Financial (CHYM) turns 20.88% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

CHYM

Financial Services industry group

20.88%

Group distribution
Max
107.33%
Q3
55.90%
Median
30.09%
CHYM
20.88%
Q1
14.60%
Min
-44.34%
Largest peers
V
63.73%
MA
60.53%
MS
39.00%
GS
38.37%
BRK.A
32.56%
BRK.B
32.56%
CHYM
20.88%
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Where Chime Financial (CHYM) stands on operating margin within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
ROE (TTM)5.38%12.91%
ROA (TTM)14.73%3.60%
Net Margin (TTM)3.05%15.36%
Operating Margin (TTM)20.88%30.09%
Gross Margin (TTM)----

Growth

Revenue Growth

Chime Financial (CHYM) grew revenue 30.69%, in the upper peer quartile. The top line is expanding faster than at most industry peers, which points to share gains or stronger pricing.

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Chime Financial (CHYM): Revenue Growth across different time periods, set against Financial Services industry-group medians.

EPS Growth

No usable EPS growth is available for Chime Financial (CHYM) this period, so the earnings-momentum read is skipped.

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Chime Financial (CHYM) doesn't report EPS Growth this period; the bars show the Financial Services industry-group medians on their own.

Growth Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Revenue Growth (YoY)30.69%9.46%
Revenue Growth (3Y CAGR)29.42%10.90%
EPS Growth (YoY)--7.46%
EPS Growth (3Y CAGR)--13.04%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Chime Financial (CHYM) in Financial Services: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Chime Financial (CHYM) in Financial Services: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Chime Financial (CHYM) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

CHYM

Financial Services industry group

0.00%

Group distribution
Max
9.77%
Q3
3.92%
Median
1.09%
CHYM
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
2.40%
GS
2.07%
V
0.66%
MA
0.53%
CHYM
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Chime Financial (CHYM) stands on dividend yield within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Chime Financial (CHYM) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

CHYM

Financial Services industry group

0.00%

Group distribution
Max
241.07%
Q3
97.36%
Median
25.77%
CHYM
0.00%
Q1
0.00%
Min
0.00%
Largest peers
MS
32.91%
GS
25.88%
V
21.75%
MA
17.63%
CHYM
0.00%
BRK.A
0.00%
BRK.B
0.00%
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Where Chime Financial (CHYM) stands on payout ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
Dividend Yield (TTM)0.00%1.09%
Dividend Payout Ratio (TTM)0.00%25.77%

Valuation

P/E Ratio (TTM)

Chime Financial (CHYM) trades at P/E ratio of 27.48, in the richer earnings-multiple quartile for its industry. That premium needs support from growth, durable earnings, or stronger business quality.

CHYM

Financial Services industry group

27.48

Group distribution
Max
45.85
CHYM
27.48
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
Largest peers
V
34.31
MA
34.15
CHYM
27.48
MS
14.39
BRK.A
14.36
BRK.B
14.36
GS
12.45
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Where Chime Financial (CHYM) stands on P/E ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Chime Financial (CHYM) trades at 4.57 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

CHYM

Financial Services industry group

4.57

Group distribution
Max
9.23
Q3
4.57
CHYM
4.57
Median
2.72
Q1
1.28
Min
-0.55
Largest peers
V
17.18
MA
15.67
CHYM
4.57
MS
3.55
GS
3.52
BRK.A
3.18
BRK.B
3.18
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Where Chime Financial (CHYM) stands on P/S ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Chime Financial (CHYM) trades at 7.79 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

CHYM

Financial Services industry group

7.79

Group distribution
CHYM
7.79
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
Largest peers
MA
84.30
V
22.05
CHYM
7.79
MS
2.65
GS
2.36
BRK.A
1.72
BRK.B
0.00
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Where Chime Financial (CHYM) stands on P/B ratio within its Financial Services peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Chime Financial (CHYM) metric values compared with Financial Services industry-group medians
MetricCurrent stock: CHYMIndustry group median
P/E Ratio (TTM)27.4815.37
P/S Ratio (TTM)4.572.72
P/B Ratio (MRQ)7.791.57
Free Cash Flow Yield (TTM)----