BRO vs. CHYM: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BRO and CHYM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | BRO | CHYM |
|---|---|---|
| Company Name | Brown & Brown, Inc. | Chime Financial, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Insurance | Financial Services |
| Market Capitalization | 31.64 billion USD | 11.15 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | February 11, 1981 | June 12, 2025 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of BRO 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.
Historical Performance at a Glance
| Symbol | BRO | CHYM |
|---|---|---|
| 5-Day Price Return | 3.68% | -10.62% |
| 13-Week Price Return | -13.41% | -- |
| 26-Week Price Return | -11.00% | -- |
| 52-Week Price Return | -3.67% | -- |
| Month-to-Date Return | 4.97% | -12.21% |
| Year-to-Date Return | -5.99% | -18.59% |
| 10-Day Avg. Volume | 3.60M | 2.58M |
| 3-Month Avg. Volume | 3.18M | 4.14M |
| 3-Month Volatility | 26.77% | -- |
| Beta | 0.81 | 2.18 |
Profitability
Return on Equity (TTM)
BRO
12.86%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
BRO’s Return on Equity of 12.86% is on par with the norm for the Insurance industry, indicating its profitability relative to shareholder equity is typical for the sector.
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.
Net Profit Margin (TTM)
BRO
19.89%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 19.89% places BRO in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
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.
Operating Profit Margin (TTM)
BRO
30.11%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
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.
Profitability at a Glance
| Symbol | BRO | CHYM |
|---|---|---|
| Return on Equity (TTM) | 12.86% | -- |
| Return on Assets (TTM) | 5.19% | -- |
| Net Profit Margin (TTM) | 19.89% | 2.49% |
| Operating Profit Margin (TTM) | 30.11% | 1.76% |
| Gross Profit Margin (TTM) | -- | 88.35% |
Financial Strength
Current Ratio (MRQ)
BRO
2.75
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance 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.
Debt-to-Equity Ratio (MRQ)
BRO
0.65
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance 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.
Interest Coverage Ratio (TTM)
BRO
7.75
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance 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.
Financial Strength at a Glance
| Symbol | BRO | CHYM |
|---|---|---|
| Current Ratio (MRQ) | 2.75 | 3.80 |
| Quick Ratio (MRQ) | 2.65 | 3.56 |
| Debt-to-Equity Ratio (MRQ) | 0.65 | 0.00 |
| Interest Coverage Ratio (TTM) | 7.75 | -- |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
BRO
0.52%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
BRO’s Dividend Yield of 0.52% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
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.
Dividend Payout Ratio (TTM)
BRO
16.40%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
BRO’s Dividend Payout Ratio of 16.40% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
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.
Dividend at a Glance
| Symbol | BRO | CHYM |
|---|---|---|
| Dividend Yield (TTM) | 0.52% | 0.00% |
| Dividend Payout Ratio (TTM) | 16.40% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
BRO
31.30
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
At 31.30, BRO’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Insurance industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.
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.
Price-to-Sales Ratio (TTM)
BRO
6.22
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
With a P/S Ratio of 6.22, BRO trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
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.
Price-to-Book Ratio (MRQ)
BRO
3.15
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
BRO’s P/B Ratio of 3.15 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
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.
Valuation at a Glance
| Symbol | BRO | CHYM |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 31.30 | 844.94 |
| Price-to-Sales Ratio (TTM) | 6.22 | 21.08 |
| Price-to-Book Ratio (MRQ) | 3.15 | -- |
| Price-to-Free Cash Flow Ratio (TTM) | 24.91 | -- |