BNY vs. CHYM: Bank of New York Mellon vs. Chime Financial Stock Comparison

Company Profile

Bank of New York Mellon (BNY) and Chime Financial (CHYM) both fall under the Financial Services industry group, but BNY is classified in Capital Markets while CHYM is classified in Financial Services.

Bank of New York Mellon (BNY) carries decades of public-market history since May 3, 1973, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the BNY 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 Bank of New York Mellon (BNY) at 14.87% 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.

Bank of New York Mellon (BNY) at 29.74% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Both Bank of New York Mellon (BNY) at 39.07% 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 Bank of New York Mellon (BNY) at 8.22% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Bank of New York Mellon (BNY) reports EPS growth of 27.59%, 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: Bank of New York Mellon (BNY) 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: Bank of New York Mellon (BNY) 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 Bank of New York Mellon (BNY) reports a yield of 1.51%, 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 Bank of New York Mellon (BNY) reports a payout of 24.58%, ranking against industry peers normally.

Dividend Metrics

Valuation

Bank of New York Mellon (BNY) at 16.36 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 Bank of New York Mellon (BNY) at 4.52 and Chime Financial (CHYM) at 4.57 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Bank of New York Mellon (BNY) at 2.53 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