CHYM vs. CRCL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CHYM and CRCL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CHYM | CRCL |
|---|---|---|
| Company Name | Chime Financial, Inc. | Circle Internet Group |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | Software |
| Market Capitalization | 10.30 billion USD | 33.90 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | June 12, 2025 | June 5, 2025 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CHYM and CRCL 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 | CHYM | CRCL |
|---|---|---|
| 5-Day Price Return | -7.78% | -7.39% |
| 13-Week Price Return | -- | -- |
| 26-Week Price Return | -- | -- |
| 52-Week Price Return | -- | -- |
| Month-to-Date Return | -19.44% | -31.76% |
| Year-to-Date Return | -25.30% | 50.47% |
| 10-Day Avg. Volume | 2.44M | 14.96M |
| 3-Month Avg. Volume | 3.80M | 26.15M |
| 3-Month Volatility | -- | -- |
| Beta | 2.26 | -5.55 |
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.
CRCL
--
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
Return on Equity data for CRCL is currently unavailable.
Net Profit Margin (TTM)
CHYM
-86.97%
Financial Services Industry
- Max
- 52.86%
- Q3
- 25.58%
- Median
- 12.23%
- Q1
- 6.64%
- Min
- -9.92%
CHYM has a negative Net Profit Margin of -86.97%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
CRCL
-8.98%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
CRCL has a negative Net Profit Margin of -8.98%, indicating the company is operating at a net loss as its expenses exceeded its revenues.
Operating Profit Margin (TTM)
CHYM
-88.02%
Financial Services Industry
- Max
- 77.28%
- Q3
- 37.68%
- Median
- 18.17%
- Q1
- 9.27%
- Min
- -8.19%
CHYM has a negative Operating Profit Margin of -88.02%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
CRCL
-2.10%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
CRCL has a negative Operating Profit Margin of -2.10%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.
Profitability at a Glance
| Symbol | CHYM | CRCL |
|---|---|---|
| Return on Equity (TTM) | -- | -- |
| Return on Assets (TTM) | -- | -- |
| Net Profit Margin (TTM) | -86.97% | -8.98% |
| Operating Profit Margin (TTM) | -88.02% | -2.10% |
| Gross Profit Margin (TTM) | 87.82% | -- |
Financial Strength
Current Ratio (MRQ)
CHYM
4.83
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.
CRCL
1.03
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
CRCL’s Current Ratio of 1.03 falls into the lower quartile for the Software industry. This indicates a tighter liquidity situation and a more constrained capacity to handle short-term debt than many of its competitors.
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.
CRCL
0.09
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
CRCL’s Debt-to-Equity Ratio of 0.09 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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.
CRCL
--
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
Interest Coverage Ratio data for CRCL is currently unavailable.
Financial Strength at a Glance
| Symbol | CHYM | CRCL |
|---|---|---|
| Current Ratio (MRQ) | 4.83 | 1.03 |
| Quick Ratio (MRQ) | 4.62 | 1.03 |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 0.09 |
| Interest Coverage Ratio (TTM) | -- | -- |
Growth
Revenue Growth
EPS Growth
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.
CRCL
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL 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)
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.
CRCL
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
CRCL 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 | CHYM | CRCL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
CHYM
--
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
P/E Ratio data for CHYM is currently unavailable.
CRCL
--
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
P/E Ratio data for CRCL is currently unavailable.
Price-to-Sales Ratio (TTM)
CHYM
9.43
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.
CRCL
10.95
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
CRCL’s P/S Ratio of 10.95 aligns with the market consensus for the Software industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
CHYM
8.81
Financial Services Industry
- Max
- 7.09
- Q3
- 3.79
- Median
- 1.46
- Q1
- 0.83
- Min
- 0.04
At 8.81, CHYM’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
CRCL
17.02
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
CRCL’s P/B Ratio of 17.02 is in the upper tier for the Software 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.
Valuation at a Glance
| Symbol | CHYM | CRCL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | -- | -- |
| Price-to-Sales Ratio (TTM) | 9.43 | 10.95 |
| Price-to-Book Ratio (MRQ) | 8.81 | 17.02 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 65.02 |