BLK vs. CHYM: BlackRock vs. Chime Financial Stock Comparison

Company Profile

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

BlackRock (BLK) carries decades of public-market history since October 1, 1999, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the BLK side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

BlackRock (BLK) has an aggressive beta of 1.34, 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 BlackRock (BLK) at 11.61% 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.

BlackRock (BLK) at 24.22% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both BlackRock (BLK) at 37.90% 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 BlackRock (BLK) at 18.67% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: BlackRock (BLK) reports EPS growth of -15.95%, 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: BlackRock (BLK) 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: BlackRock (BLK) 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 BlackRock (BLK) reports a yield of 1.91%, 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 BlackRock (BLK) reports a payout of 51.00%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both BlackRock (BLK) at 26.84 and Chime Financial (CHYM) at 27.48 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while BlackRock (BLK) at 6.38 sits in the pricier quartile — BLK costs more per dollar of sales.

BlackRock (BLK) at 3.14 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