ARCC vs. CHYM: Ares Capital vs. Chime Financial Stock Comparison

Company Profile

Ares Capital (ARCC) and Chime Financial (CHYM) both fall under the Financial Services industry group, but ARCC is classified in Capital Markets while CHYM is classified in Financial Services.

Ares Capital (ARCC) carries decades of public-market history since October 5, 2004, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the ARCC side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Ares Capital (ARCC) at 6.19% and Chime Financial (CHYM) at 5.38% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Ares Capital (ARCC) at 28.35% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Ares Capital (ARCC) at 72.74% 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

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Ares Capital (ARCC) at -12.08% is in the bottom quartile, showing a clear gap in revenue momentum.

Only one side can be read here: Ares Capital (ARCC) reports EPS growth of -23.77%, 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: Ares Capital (ARCC) 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: Ares Capital (ARCC) 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 Ares Capital (ARCC) reports a yield of 9.92%, ranking against industry peers normally.

Ares Capital (ARCC) reports payout ratio above 100% at 157.38%, meaning dividends exceeded current-period earnings; Chime Financial (CHYM) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

Ares Capital (ARCC) at 15.68 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.

On P/S ratio, both Ares Capital (ARCC) at 4.48 and Chime Financial (CHYM) at 4.57 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Ares Capital (ARCC) at 0.99 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