AXP vs. CHYM: American Express vs. Chime Financial Stock Comparison

Company Profile

American Express (AXP) and Chime Financial (CHYM) both fall under the Financial Services industry group, but AXP is classified in Consumer Finance while CHYM is classified in Financial Services.

American Express (AXP) carries decades of public-market history since June 1, 1972, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the AXP 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

American Express (AXP) at 35.93% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for AXP.

American Express (AXP) at 16.82% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both American Express (AXP) at 18.43% and Chime Financial (CHYM) at 20.88% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while American Express (AXP) at 9.52% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: American Express (AXP) reports EPS growth of 9.78%, 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: American Express (AXP) 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: American Express (AXP) 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 American Express (AXP) reports a yield of 1.13%, ranking against industry peers normally.

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile American Express (AXP) reports a payout of 15.32%, ranking against industry peers normally.

Dividend Metrics

Valuation

American Express (AXP) at 18.08 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 American Express (AXP) at 2.95 and Chime Financial (CHYM) at 4.57 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Both American Express (AXP) at 6.02 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.

Valuation Metrics