CHYM vs. EQH: Chime Financial vs. Equitable Stock Comparison

Company Profile

Chime Financial (CHYM) and Equitable (EQH) both belong to the Financial Services industry, though CHYM is classified under Transaction & Payment Processing Services while EQH falls under Diversified Financial Services.

Equitable (EQH) has been public since May 10, 2018, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

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

Equitable (EQH) at 171.08% clears its industry range for ROE, a sharper capital-efficiency signal than Chime Financial (CHYM) at 5.38%, which is closer to a typical peer reading.

Equitable (EQH) at 11.52% 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 Equitable (EQH) at 37.18% 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 Equitable (EQH) at -6.12% is in the bottom quartile, showing a clear gap in revenue momentum.

Only one side can be read here: Equitable (EQH) reports EPS growth of -227.78%, 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 Equitable (EQH) 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 Equitable (EQH) 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 Equitable (EQH) reports a yield of 0.51%, 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 Equitable (EQH) reports a payout of 22.49%, ranking against industry peers normally.

Dividend Metrics

Valuation

Equitable (EQH) at 10.39 is near its industry’s usual P/E ratio, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — CHYM needs stronger growth or earnings quality to justify the premium.

Equitable (EQH) at 1.08 sits in the cheaper P/S ratio quartile while Chime Financial (CHYM) at 4.57 prices around its industry’s middle — EQH costs less per dollar of sales, though read it alongside growth and margins.

Equitable (EQH) reports a negative P/B ratio of -4.92, meaning negative book equity — the multiple itself is not meaningful for valuation. Meanwhile Chime Financial (CHYM) reports 7.79, ranking against industry peers normally.

Valuation Metrics