Seek Returns logo

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

Updated on

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

Company Profile

BBVA trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, CHYM is a standard domestic listing.

SymbolBBVACHYM
Company NameBanco Bilbao Vizcaya Argentaria, S.A.Chime Financial, Inc.
CountrySpainUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksFinancial Services
Market Capitalization107.76 billion USD11.15 billion USD
ExchangeNYSENasdaqGS
Listing DateDecember 15, 1988June 12, 2025
Security TypeADRCommon Stock

Historical Performance

This chart compares the performance of BBVA 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.

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

Historical Performance at a Glance

SymbolBBVACHYM
5-Day Price Return3.41%-10.62%
13-Week Price Return19.12%--
26-Week Price Return35.45%--
52-Week Price Return71.64%--
Month-to-Date Return7.65%-12.21%
Year-to-Date Return66.74%-18.59%
10-Day Avg. Volume9.64M2.58M
3-Month Avg. Volume8.90M4.14M
3-Month Volatility28.47%--
Beta1.312.18

Profitability

Return on Equity (TTM)

BBVA

19.06%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

In the upper quartile for the Banks industry, BBVA’s Return on Equity of 19.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CHYM

--

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

Return on Equity data for CHYM is currently unavailable.

BBVA vs. CHYM: A comparison of their Return on Equity (TTM) against their respective Banks and Financial Services industry benchmarks.

Net Profit Margin (TTM)

BBVA

20.73%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, BBVA’s Net Profit Margin of 20.73% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CHYM

2.49%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

Falling into the lower quartile for the Financial Services industry, CHYM’s Net Profit Margin of 2.49% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BBVA vs. CHYM: A comparison of their Net Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Operating Profit Margin (TTM)

BBVA

31.24%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

BBVA’s Operating Profit Margin of 31.24% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

CHYM

1.76%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

CHYM’s Operating Profit Margin of 1.76% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

BBVA vs. CHYM: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Financial Services industry benchmarks.

Profitability at a Glance

SymbolBBVACHYM
Return on Equity (TTM)19.06%--
Return on Assets (TTM)1.36%--
Net Profit Margin (TTM)20.73%2.49%
Operating Profit Margin (TTM)31.24%1.76%
Gross Profit Margin (TTM)--88.35%

Financial Strength

Current Ratio (MRQ)

BBVA

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

CHYM

3.80

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

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

BBVA vs. CHYM: A comparison of their Current Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BBVA

1.80

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

CHYM

0.00

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

BBVA vs. CHYM: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Interest Coverage Ratio (TTM)

BBVA

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

CHYM

--

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

BBVA vs. CHYM: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Financial Strength at a Glance

SymbolBBVACHYM
Current Ratio (MRQ)--3.80
Quick Ratio (MRQ)--3.56
Debt-to-Equity Ratio (MRQ)1.800.00
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

BBVA vs. CHYM: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BBVA vs. CHYM: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BBVA

4.44%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

BBVA’s Dividend Yield of 4.44% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CHYM

0.00%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
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.

BBVA vs. CHYM: A comparison of their Dividend Yield (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend Payout Ratio (TTM)

BBVA

77.69%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

BBVA’s Dividend Payout Ratio of 77.69% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
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.

BBVA vs. CHYM: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Dividend at a Glance

SymbolBBVACHYM
Dividend Yield (TTM)4.44%0.00%
Dividend Payout Ratio (TTM)77.69%0.00%

Valuation

Price-to-Earnings Ratio (TTM)

BBVA

8.62

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

BBVA’s P/E Ratio of 8.62 is within the middle range for the Banks 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

844.94

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

At 844.94, CHYM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

BBVA vs. CHYM: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Sales Ratio (TTM)

BBVA

1.30

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

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

CHYM

21.08

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

BBVA vs. CHYM: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Financial Services industry benchmarks.

Price-to-Book Ratio (MRQ)

BBVA

1.32

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

BBVA’s P/B Ratio of 1.32 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CHYM

--

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

P/B Ratio data for CHYM is currently unavailable.

BBVA vs. CHYM: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Financial Services industry benchmarks.

Valuation at a Glance

SymbolBBVACHYM
Price-to-Earnings Ratio (TTM)8.62844.94
Price-to-Sales Ratio (TTM)1.3021.08
Price-to-Book Ratio (MRQ)1.32--
Price-to-Free Cash Flow Ratio (TTM)3.51--