CHYM vs. COIN: Chime Financial vs. Coinbase Global Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Coinbase Global (COIN) has a highly aggressive beta of 3.33, indicating much higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Coinbase Global (COIN) reports a negative ROE of -4.68%; negative ROE can reflect losses or negative shareholders’ equity, so it is harder to read as capital efficiency. Meanwhile Chime Financial (CHYM) reports 5.38%, ranking against industry peers normally.

Coinbase Global (COIN) reports a negative net margin of -12.89%, usually indicating a net loss over the period. Meanwhile Chime Financial (CHYM) reports 3.05%, ranking against industry peers normally.

Coinbase Global (COIN) reports a negative operating margin of -1.42%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile Chime Financial (CHYM) reports 20.88%, ranking against industry peers normally.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Coinbase Global (COIN) at 9.40% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Coinbase Global (COIN) reports EPS growth of -53.06%, 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: Chime Financial (CHYM) in Financial Services and Coinbase Global (COIN) 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: Chime Financial (CHYM) in Financial Services and Coinbase Global (COIN) 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

Neither Chime Financial (CHYM) nor Coinbase Global (COIN) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Chime Financial (CHYM) nor Coinbase Global (COIN) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

An earnings multiple is available for just one side: Chime Financial (CHYM) trades at 27.48 times trailing earnings, ranked against its peers, while Coinbase Global (COIN) has no P/E ratio this period.

Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while Coinbase Global (COIN) at 6.56 sits in the pricier quartile — COIN costs more per dollar of sales.

Coinbase Global (COIN) at 2.56 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