AGNC vs. CHYM: AGNC Investment vs. Chime Financial Stock Comparison

Company Profile

AGNC Investment (AGNC) and Chime Financial (CHYM) both fall under the Financial Services industry group, but AGNC is classified in Mortgage Real Estate Investment Trusts (REITs) while CHYM is classified in Financial Services.

AGNC Investment (AGNC) has been public since May 15, 2008, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

Chime Financial (CHYM) is an ordinary operating company, while AGNC Investment (AGNC) is a REIT — read its payout ratio and P/E alongside FFO (funds from operations) rather than comparing them directly to CHYM’s multiples.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

AGNC Investment (AGNC) has an aggressive beta of 1.37, indicating higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Chime Financial (CHYM) at 5.38% is around its peer norm for ROE, while AGNC Investment (AGNC) at 0.90% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

AGNC Investment (AGNC) at 43.64% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

AGNC Investment (AGNC) at 102.11% operates in the top operating margin quartile, ahead of Chime Financial (CHYM) at 20.88%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both companies are growing quickly, but AGNC Investment (AGNC) at 84.69% is the standout with revenue growth above its industry range; Chime Financial (CHYM) at 30.69% also sits in the top quartile.

Only one side can be read here: AGNC Investment (AGNC) reports EPS growth of 58.06%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: AGNC Investment (AGNC) 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-to-equity ratio is set aside for both: AGNC Investment (AGNC) 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

Dividends

Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile AGNC Investment (AGNC) reports a yield of 16.33%, ranking against industry peers normally.

AGNC Investment (AGNC) reports payout ratio above 100% at 7,200.00%, meaning dividends exceeded current-period earnings; Chime Financial (CHYM) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Chime Financial (CHYM) at 27.48 sits in the richer P/E ratio quartile, and AGNC Investment (AGNC) at 439.00 is richer still, above its industry range.

Chime Financial (CHYM) at 4.57 prices around its industry’s typical P/S ratio, while AGNC Investment (AGNC) at 47.39 clears its benchmark range — AGNC looks notably rich on sales.

AGNC Investment (AGNC) at 1.15 is valued about in line with its industry on P/B ratio, while Chime Financial (CHYM) at 7.79 carries an above-peer premium to book — CHYM is pricier on assets.

Valuation Metrics