CHYM vs. CPAY: Chime Financial vs. Corpay Stock Comparison
How do Chime Financial (CHYM) and Corpay (CPAY) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Chime Financial (CHYM) and Corpay (CPAY) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.
Corpay (CPAY) has been public since December 15, 2010, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.
| Profile Item | CHYM | CPAY |
|---|---|---|
| Name | Chime Financial Inc. Class A | Corpay Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Financial Services |
| GICS Sub-Industry | Transaction & Payment Processing Services | Transaction & Payment Processing Services |
| Market Capitalization | 12.02 billion USD | 29.12 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | June 12, 2025 | December 15, 2010 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| Total Return (1Y) | 63.03% | 65.09% |
| Total Return (3Y, Annualized) | -- | 25.90% |
| Total Return (5Y, Annualized) | -- | 13.34% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| Volatility (1Y, Annualized) | 61.33% | 36.03% |
| Beta (5Y) | 0.31 | 0.87 |
| Max Drawdown (5Y) | -55.70% | -37.33% |
| Avg. Volume (3M) | 6.12M | 489.47K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| Sharpe Ratio (1Y) | 0.96 | 1.69 |
| Sortino Ratio (1Y) | 1.48 | 2.83 |
Profitability
ROE (TTM)
Corpay (CPAY) at 32.21% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for CPAY.
CHYM
Financial Services industry group
5.38%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- CHYM
- 5.38%
- Q1
- 4.48%
- Min
- -18.71%
CPAY
Financial Services industry group
32.21%
- Max
- 44.78%
- CPAY
- 32.21%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Corpay (CPAY) at 23.73% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.
CHYM
Financial Services industry group
3.05%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- CHYM
- 3.05%
- Min
- -28.52%
CPAY
Financial Services industry group
23.73%
- Max
- 62.84%
- Q3
- 28.05%
- CPAY
- 23.73%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Chime Financial (CHYM) at 20.88% and Corpay (CPAY) at 49.15% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.
CHYM
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- CHYM
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
CPAY
Financial Services industry group
49.15%
- Max
- 107.33%
- Q3
- 55.90%
- CPAY
- 49.15%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| ROE (TTM) | 5.38% | 32.21% |
| ROA (TTM) | 14.73% | 6.80% |
| Net Margin (TTM) | 3.05% | 23.73% |
| Operating Margin (TTM) | 20.88% | 49.15% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Corpay (CPAY) at 13.93% is closer to the peer norm — faster top-line expansion for CHYM.
EPS Growth
Only one side can be read here: Corpay (CPAY) reports EPS growth of 7.59%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.
Growth Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| Revenue Growth (YoY) | 30.69% | 13.93% |
| Revenue Growth (3Y CAGR) | 29.42% | 9.73% |
| EPS Growth (YoY) | -- | 7.59% |
| EPS Growth (3Y CAGR) | -- | 6.56% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and Corpay (CPAY) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Chime Financial (CHYM) in Financial Services and Corpay (CPAY) 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
| Metric | CHYM | CPAY |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Chime Financial (CHYM) nor Corpay (CPAY) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
CHYM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Chime Financial (CHYM) nor Corpay (CPAY) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
CHYM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CPAY
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CPAY
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Chime Financial (CHYM) at 27.48 and Corpay (CPAY) at 25.02 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.
CHYM
Financial Services industry group
27.48
- Max
- 45.85
- CHYM
- 27.48
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
CPAY
Financial Services industry group
25.02
- Max
- 45.85
- CPAY
- 25.02
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while Corpay (CPAY) at 5.57 sits in the pricier quartile — CPAY costs more per dollar of sales.
CHYM
Financial Services industry group
4.57
- Max
- 9.23
- Q3
- 4.57
- CHYM
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
CPAY
Financial Services industry group
5.57
- Max
- 9.23
- CPAY
- 5.57
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Both look rich against book: Chime Financial (CHYM) at 7.79 sits in the upper P/B ratio quartile, and Corpay (CPAY) at 8.89 prices even higher, above its industry range.
CHYM
Financial Services industry group
7.79
- CHYM
- 7.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
CPAY
Financial Services industry group
8.89
- CPAY
- 8.89
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CHYM | CPAY |
|---|---|---|
| P/E Ratio (TTM) | 27.48 | 25.02 |
| P/S Ratio (TTM) | 4.57 | 5.57 |
| P/B Ratio (MRQ) | 7.79 | 8.89 |
| Free Cash Flow Yield (TTM) | -- | -- |