CHYM vs. DB: Chime Financial vs. Deutsche Bank Stock Comparison

Company Profile

Chime Financial (CHYM) and Deutsche Bank (DB) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while DB is classified in Capital Markets.

Deutsche Bank (DB) carries decades of public-market history since November 18, 1996, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the DB side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Chime Financial (CHYM) at 5.38% and Deutsche Bank (DB) at 8.98% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Deutsche Bank (DB) at 22.67% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and Deutsche Bank (DB) at 33.58% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Deutsche Bank (DB) at 6.83% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Deutsche Bank (DB) reports EPS growth of 130.39%, 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 Deutsche Bank (DB) 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 Deutsche Bank (DB) 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

Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Deutsche Bank (DB) reports a yield of 2.75%, ranking against industry peers normally.

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Deutsche Bank (DB) reports a payout of 30.04%, ranking against industry peers normally.

Dividend Metrics

Valuation

Deutsche Bank (DB) at 9.00 sits in the cheaper P/E ratio quartile, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Deutsche Bank (DB) at 2.11 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Deutsche Bank (DB) at 0.72 looks cheap against book in the lower P/B ratio quartile, while Chime Financial (CHYM) at 7.79 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics