Seek Returns logo

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

Updated on

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

Company Profile

SymbolCHYMCOF
Company NameChime Financial, Inc.Capital One Financial Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesConsumer Finance
Market Capitalization11.15 billion USD138.76 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025November 16, 1994
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CHYM and COF 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.

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

Historical Performance at a Glance

SymbolCHYMCOF
5-Day Price Return-10.62%4.67%
13-Week Price Return--8.51%
26-Week Price Return--5.00%
52-Week Price Return--64.22%
Month-to-Date Return-12.21%0.92%
Year-to-Date Return-18.59%21.67%
10-Day Avg. Volume2.58M3.53M
3-Month Avg. Volume4.14M4.71M
3-Month Volatility--28.60%
Beta2.181.22

Profitability

Return on Equity (TTM)

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.

COF

0.00%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

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

Net Profit Margin (TTM)

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.

COF

14.90%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

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.

COF

18.33%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCHYMCOF
Return on Equity (TTM)--0.00%
Return on Assets (TTM)--0.00%
Net Profit Margin (TTM)2.49%14.90%
Operating Profit Margin (TTM)1.76%18.33%
Gross Profit Margin (TTM)88.35%--

Financial Strength

Current Ratio (MRQ)

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.

COF

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

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

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

Debt-to-Equity Ratio (MRQ)

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.

COF

0.47

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

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

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

Interest Coverage Ratio (TTM)

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.

COF

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

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

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

Financial Strength at a Glance

SymbolCHYMCOF
Current Ratio (MRQ)3.80--
Quick Ratio (MRQ)3.56--
Debt-to-Equity Ratio (MRQ)0.000.47
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. COF: 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

CHYM vs. COF: 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)

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.

COF

0.95%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

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.

COF

23.78%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolCHYMCOF
Dividend Yield (TTM)0.00%0.95%
Dividend Payout Ratio (TTM)0.00%23.78%

Valuation

Price-to-Earnings Ratio (TTM)

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.

COF

28.43

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

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

Price-to-Sales Ratio (TTM)

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.

COF

1.12

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

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

Price-to-Book Ratio (MRQ)

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.

COF

1.23

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance 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 vs. COF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolCHYMCOF
Price-to-Earnings Ratio (TTM)844.9428.43
Price-to-Sales Ratio (TTM)21.081.12
Price-to-Book Ratio (MRQ)--1.23
Price-to-Free Cash Flow Ratio (TTM)--7.60