BEN vs. CHYM: Franklin Templeton vs. Chime Financial Stock Comparison

Company Profile

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

Franklin Templeton (BEN) carries decades of public-market history since September 23, 1983, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the BEN side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Franklin Templeton (BEN) has an aggressive beta of 1.52, 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

Both Franklin Templeton (BEN) at 10.51% 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.

Franklin Templeton (BEN) at 11.42% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both Franklin Templeton (BEN) at 14.61% 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

Only one side can be read here: Chime Financial (CHYM) reports revenue growth of 30.69%, ranked against its industry; Franklin Templeton (BEN) has no revenue growth figure this period.

Only one side can be read here: Franklin Templeton (BEN) reports EPS growth of 116.48%, 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: Franklin Templeton (BEN) 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: Franklin Templeton (BEN) 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 Franklin Templeton (BEN) reports a yield of 4.10%, 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 Franklin Templeton (BEN) reports a payout of 89.12%, ranking against industry peers normally.

Dividend Metrics

Valuation

Franklin Templeton (BEN) at 17.12 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 Franklin Templeton (BEN) at 1.84 and Chime Financial (CHYM) at 4.57 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Franklin Templeton (BEN) at 1.46 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