AIZN vs. CHYM: A Head-to-Head Stock Comparison

Updated on July 7, 2025

Here’s a clear look at AIZN and CHYM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Overview

AIZN’s market capitalization stands at 10.23 billion USD, while CHYM’s is 11.39 billion USD, indicating their market valuations are broadly comparable.

Symbol	AIZN	CHYM
Company Name	Assurant, Inc. 5.25% Subordinat	Chime Financial, Inc. Class A Common Stock
Country	US	US
Sector	Financial Services	Financial Services
Industry	Insurance - Diversified	Banks - Regional
CEO	Keith Warner Demmings	Christopher R Britt
Price	20.64 USD	31.35 USD
Market Cap	10.23 billion USD	11.39 billion USD
Beta	0.60	--
Exchange	NYSE	NASDAQ
IPO Date	November 25, 2020	June 12, 2025
ADR	No	No

Historical Performance

This chart compares the performance of AIZN and CHYM by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.

Data is adjusted for dividends and splits.

AIZN vs. CHYM: Growth of a $10,000 investment over the past one year.

Profitability

Return on Equity

AIZN

13.02%

Insurance - Diversified Industry

Max: 19.59%
Q3: 17.66%
Median: 12.77%
Q1: 7.56%
Min: -4.43%

AIZN’s Return on Equity of 13.02% is on par with the norm for the Insurance - Diversified industry, indicating its profitability relative to shareholder equity is typical for the sector.

CHYM

2.94%

Banks - Regional Industry

Max: 19.20%
Q3: 11.87%
Median: 9.48%
Q1: 6.66%
Min: -0.15%

CHYM’s Return on Equity of 2.94% is in the lower quartile for the Banks - Regional industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

AIZN vs. CHYM: A comparison of their ROE against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Return on Invested Capital

AIZN

2.09%

Insurance - Diversified Industry

Max: 32.46%
Q3: 16.21%
Median: 9.46%
Q1: 2.09%
Min: -10.51%

Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Diversified industry.

CHYM

1.22%

Banks - Regional Industry

Max: 13.33%
Q3: 7.16%
Median: 5.31%
Q1: 2.87%
Min: -3.49%

Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.

AIZN vs. CHYM: A comparison of their ROIC against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Net Profit Margin

AIZN

5.55%

Insurance - Diversified Industry

Max: 26.00%
Q3: 19.46%
Median: 9.37%
Q1: 5.55%
Min: -7.05%

AIZN’s Net Profit Margin of 5.55% is aligned with the median group of its peers in the Insurance - Diversified industry. This indicates its ability to convert revenue into profit is typical for the sector.

CHYM

3.17%

Banks - Regional Industry

Max: 32.03%
Q3: 21.35%
Median: 16.99%
Q1: 12.69%
Min: 0.27%

Falling into the lower quartile for the Banks - Regional industry, CHYM’s Net Profit Margin of 3.17% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

AIZN vs. CHYM: A comparison of their Net Profit Margin against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Operating Profit Margin

AIZN

6.78%

Insurance - Diversified Industry

Max: 44.52%
Q3: 25.84%
Median: 14.16%
Q1: 6.78%
Min: -2.60%

AIZN’s Operating Profit Margin of 6.78% is around the midpoint for the Insurance - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.

CHYM

1.56%

Banks - Regional Industry

Max: 40.01%
Q3: 26.24%
Median: 21.14%
Q1: 15.85%
Min: 1.50%

CHYM’s Operating Profit Margin of 1.56% is in the lower quartile for the Banks - Regional industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

AIZN vs. CHYM: A comparison of their Operating Margin against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Profitability at a Glance

Symbol	AIZN	CHYM
Return on Equity (TTM)	13.02%	2.94%
Return on Assets (TTM)	1.92%	2.01%
Return on Invested Capital (TTM)	2.09%	1.22%
Net Profit Margin (TTM)	5.55%	3.17%
Operating Profit Margin (TTM)	6.78%	1.56%
Gross Profit Margin (TTM)	75.78%	88.16%

Financial Strength

Current Ratio

AIZN

4.41

Insurance - Diversified Industry

Max: 4.41
Q3: 4.03
Median: 2.86
Q1: 2.82
Min: 2.82

AIZN’s Current Ratio of 4.41 is in the upper quartile for the Insurance - Diversified industry. This signifies a strong liquidity position, suggesting the company is well-equipped to cover its immediate liabilities compared to its peers.

CHYM

3.80

Banks - Regional Industry

Max: 0.39
Q3: 0.22
Median: 0.15
Q1: 0.10
Min: 0.01

For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

AIZN vs. CHYM: A comparison of their Current Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Debt-to-Equity Ratio

AIZN

0.40

Insurance - Diversified Industry

Max: 0.54
Q3: 0.39
Median: 0.27
Q1: 0.21
Min: 0.13

AIZN’s leverage is in the upper quartile of the Insurance - Diversified industry, with a Debt-to-Equity Ratio of 0.40. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.

CHYM

0.09

Banks - Regional Industry

Max: 1.74
Q3: 0.81
Median: 0.42
Q1: 0.18
Min: 0.00

Falling into the lower quartile for the Banks - Regional industry, CHYM’s Debt-to-Equity Ratio of 0.09 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.

AIZN vs. CHYM: A comparison of their D/E Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Interest Coverage Ratio

AIZN

7.65

Insurance - Diversified Industry

Max: 19.23
Q3: 17.46
Median: 7.97
Q1: 4.61
Min: -1.63

AIZN’s Interest Coverage Ratio of 7.65 is positioned comfortably within the norm for the Insurance - Diversified industry, indicating a standard and healthy capacity to cover its interest payments.

CHYM

Banks - Regional Industry

Max: 1.58
Q3: 0.84
Median: 0.59
Q1: 0.35
Min: -0.35

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.

AIZN vs. CHYM: A comparison of their Interest Coverage against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Financial Strength at a Glance

Symbol	AIZN	CHYM
Current Ratio (TTM)	4.41	3.80
Quick Ratio (TTM)	4.41	3.80
Debt-to-Equity Ratio (TTM)	0.40	0.09
Debt-to-Asset Ratio (TTM)	0.06	0.06
Net Debt-to-EBITDA Ratio (TTM)	0.36	-8.49
Interest Coverage Ratio (TTM)	7.65	--

Growth

The following charts compare key year-over-year (YoY) growth metrics for AIZN and CHYM. These metrics are based on the companies’ annual financial reports.

Revenue Growth

AIZN vs. CHYM: A comparison of their annual year-over-year Revenue Growth.

Earnings Per Share (EPS) Growth

AIZN vs. CHYM: A comparison of their annual year-over-year Earnings Per Share (EPS) Growth.

Free Cash Flow Growth

AIZN vs. CHYM: A comparison of their annual year-over-year Free Cash Flow Growth.

Dividend

Dividend Yield

AIZN

1.61%

Insurance - Diversified Industry

Max: 8.16%
Q3: 5.54%
Median: 2.46%
Q1: 1.59%
Min: 0.00%

AIZN’s Dividend Yield of 1.61% is consistent with its peers in the Insurance - Diversified industry, providing a dividend return that is standard for its sector.

CHYM

0.00%

Banks - Regional Industry

Max: 11.72%
Q3: 4.07%
Median: 3.00%
Q1: 1.68%
Min: 0.00%

CHYM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

AIZN vs. CHYM: A comparison of their Dividend Yield against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Dividend Payout Ratio

AIZN

23.78%

Insurance - Diversified Industry

Max: 101.86%
Q3: 53.36%
Median: 21.69%
Q1: 5.33%
Min: 0.00%

AIZN’s Dividend Payout Ratio of 23.78% is within the typical range for the Insurance - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM

0.00%

Banks - Regional Industry

Max: 155.35%
Q3: 50.05%
Median: 34.14%
Q1: 18.61%
Min: 0.00%

CHYM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

AIZN vs. CHYM: A comparison of their Payout Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Dividend at a Glance

Symbol	AIZN	CHYM
Dividend Yield (TTM)	1.61%	0.00%
Dividend Payout Ratio (TTM)	23.78%	0.00%

Valuation

Price-to-Earnings Ratio

AIZN

14.80

Insurance - Diversified Industry

Max: 18.52
Q3: 16.13
Median: 13.33
Q1: 9.73
Min: 2.62

AIZN’s P/E Ratio of 14.80 is within the middle range for the Insurance - Diversified industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CHYM

Banks - Regional Industry

Max: 22.32
Q3: 15.38
Median: 12.31
Q1: 10.72
Min: 4.30

P/E Ratio data for CHYM is currently unavailable.

AIZN vs. CHYM: A comparison of their P/E Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Forward P/E to Growth Ratio

AIZN

1.18

Insurance - Diversified Industry

Max: 2.60
Q3: 2.07
Median: 1.20
Q1: 0.77
Min: 0.04

AIZN’s Forward PEG Ratio of 1.18 is within the middle range of its peers in the Insurance - Diversified industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.

CHYM

Banks - Regional Industry

Max: 4.03
Q3: 2.13
Median: 1.25
Q1: 0.71
Min: 0.02

Forward PEG Ratio data for CHYM is currently unavailable.

AIZN vs. CHYM: A comparison of their Forward PEG Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Price-to-Sales Ratio

AIZN

0.81

Insurance - Diversified Industry

Max: 3.08
Q3: 2.00
Median: 1.15
Q1: 1.07
Min: 0.38

In the lower quartile for the Insurance - Diversified industry, AIZN’s P/S Ratio of 0.81 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

CHYM

12.51

Banks - Regional Industry

Max: 4.28
Q3: 2.76
Median: 2.17
Q1: 1.71
Min: 0.55

The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.

AIZN vs. CHYM: A comparison of their P/S Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Price-to-Book Ratio

AIZN

1.90

Insurance - Diversified Industry

Max: 2.12
Q3: 1.80
Median: 1.59
Q1: 1.29
Min: 0.74

AIZN’s P/B Ratio of 1.90 is in the upper tier for the Insurance - Diversified industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CHYM

Banks - Regional Industry

Max: 1.99
Q3: 1.35
Median: 1.09
Q1: 0.92
Min: 0.33

P/B Ratio data for CHYM is currently unavailable.

AIZN vs. CHYM: A comparison of their P/B Ratio against their respective Insurance - Diversified and Banks - Regional industry benchmarks.

Valuation at a Glance

Symbol	AIZN	CHYM
Price-to-Earnings Ratio (P/E, TTM)	14.80	--
Forward PEG Ratio (TTM)	1.18	--
Price-to-Sales Ratio (P/S, TTM)	0.81	12.51
Price-to-Book Ratio (P/B, TTM)	1.90	--
Price-to-Free Cash Flow Ratio (P/FCF, TTM)	6.24	289.00
EV-to-EBITDA (TTM)	8.85	418.86
EV-to-Sales (TTM)	0.85	12.26