AFRM vs. CHYM: Affirm vs. Chime Financial Stock Comparison
How do Affirm (AFRM) and Chime Financial (CHYM) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Affirm (AFRM) and Chime Financial (CHYM) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.
| Profile Item | AFRM | CHYM |
|---|---|---|
| Name | Affirm Holdings, Inc. | Chime Financial Inc. Class A |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Transaction & Payment Processing Services |
| Market Capitalization | 23.09 billion USD | 12.02 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | January 13, 2021 | June 12, 2025 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| Total Return (1Y) | -6.89% | 63.03% |
| Total Return (3Y, Annualized) | 40.23% | -- |
| Total Return (5Y, Annualized) | -15.36% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Affirm (AFRM) has a highly aggressive beta of 3.70, indicating much higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — a wide gap in beta profiles.
| Metric | AFRM | CHYM |
|---|---|---|
| Volatility (1Y, Annualized) | 58.20% | 61.33% |
| Beta (5Y) | 3.70 | 0.31 |
| Max Drawdown (5Y) | -94.35% | -55.70% |
| Avg. Volume (3M) | 4.46M | 6.12M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| Sharpe Ratio (1Y) | -0.19 | 0.96 |
| Sortino Ratio (1Y) | -0.28 | 1.48 |
Profitability
ROE (TTM)
Affirm (AFRM) at 44.49% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for AFRM.
AFRM
Financial Services industry group
44.49%
- Max
- 44.78%
- AFRM
- 44.49%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
CHYM
Financial Services industry group
5.38%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- CHYM
- 5.38%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Affirm (AFRM) at 43.86% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.
AFRM
Financial Services industry group
43.86%
- Max
- 62.84%
- AFRM
- 43.86%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
CHYM
Financial Services industry group
3.05%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- CHYM
- 3.05%
- Min
- -28.52%
Operating Margin (TTM)
Both Affirm (AFRM) at 14.82% and Chime Financial (CHYM) at 20.88% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
AFRM
Financial Services industry group
14.82%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- AFRM
- 14.82%
- Q1
- 14.60%
- Min
- -44.34%
CHYM
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- CHYM
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| ROE (TTM) | 44.49% | 5.38% |
| ROA (TTM) | 2.42% | 14.73% |
| Net Margin (TTM) | 43.86% | 3.05% |
| Operating Margin (TTM) | 14.82% | 20.88% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Affirm (AFRM) at 32.15% and Chime Financial (CHYM) at 30.69% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Only one side can be read here: Affirm (AFRM) reports EPS growth of 3,586.67%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.
Growth Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| Revenue Growth (YoY) | 32.15% | 30.69% |
| Revenue Growth (3Y CAGR) | 38.96% | 29.42% |
| EPS Growth (YoY) | 3,586.67% | -- |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Affirm (AFRM) in Financial Services and Chime Financial (CHYM) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Affirm (AFRM) in Financial Services and Chime Financial (CHYM) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Affirm (AFRM) nor Chime Financial (CHYM) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
AFRM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- AFRM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CHYM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Affirm (AFRM) nor Chime Financial (CHYM) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
AFRM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- AFRM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CHYM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Affirm (AFRM) at 11.80 is near its industry’s usual P/E ratio, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — CHYM needs stronger growth or earnings quality to justify the premium.
AFRM
Financial Services industry group
11.80
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- AFRM
- 11.80
- Q1
- 9.68
- Min
- 0.16
CHYM
Financial Services industry group
27.48
- Max
- 45.85
- CHYM
- 27.48
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while Affirm (AFRM) at 5.03 sits in the pricier quartile — AFRM costs more per dollar of sales.
AFRM
Financial Services industry group
5.03
- Max
- 9.23
- AFRM
- 5.03
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
CHYM
Financial Services industry group
4.57
- Max
- 9.23
- Q3
- 4.57
- CHYM
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both Affirm (AFRM) at 4.01 and Chime Financial (CHYM) at 7.79 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.
AFRM
Financial Services industry group
4.01
- Max
- 7.79
- AFRM
- 4.01
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
CHYM
Financial Services industry group
7.79
- CHYM
- 7.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | AFRM | CHYM |
|---|---|---|
| P/E Ratio (TTM) | 11.80 | 27.48 |
| P/S Ratio (TTM) | 5.03 | 4.57 |
| P/B Ratio (MRQ) | 4.01 | 7.79 |
| Free Cash Flow Yield (TTM) | -- | -- |