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CHYM vs. FRHC: Chime Financial vs. Freedom Stock Comparison

How do Chime Financial (CHYM) and Freedom (FRHC) 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 Freedom (FRHC) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while FRHC is classified in Capital Markets.

Freedom (FRHC) has been public since February 7, 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.

Company profile comparison for Chime Financial (CHYM) and Freedom (FRHC)
Profile ItemCHYMFRHC
NameChime Financial Inc. Class AFreedom Holding Corp.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesInvestment Banking & Brokerage
Market Capitalization12.02 billion USD11.41 billion USD
CurrencyUSDUSD
ExchangeNasdaqNasdaq
Listing DateJune 12, 2025February 7, 2018
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CHYM
FRHC
GSPC
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Chime Financial (CHYM) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Chime Financial (CHYM) and Freedom (FRHC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Chime Financial (CHYM) and Freedom (FRHC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Total Return (1Y)63.03%18.04%
Total Return (3Y, Annualized)--28.04%
Total Return (5Y, Annualized)--18.95%

Risk Profile

Drawdown History

CHYM
FRHC
GSPC
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Chime Financial (CHYM) vs. Freedom (FRHC), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Chime Financial (CHYM) and Freedom (FRHC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Volatility (1Y, Annualized)61.33%47.01%
Beta (5Y)0.310.71
Max Drawdown (5Y)-55.70%-45.80%
Avg. Volume (3M)6.12M108.35K

Risk-Adjusted Performance

Risk-Return Positioning

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CHYM and FRHC are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Sharpe Ratio (1Y)0.960.29
Sortino Ratio (1Y)1.480.45

Profitability

ROE (TTM)

Both Chime Financial (CHYM) at 5.38% and Freedom (FRHC) at 10.68% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

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%

FRHC

Financial Services industry group

10.68%

Max
44.78%
Q3
21.85%
Median
12.91%
FRHC
10.68%
Q1
4.48%
Min
-18.71%
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Freedom (FRHC) at 8.43% 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%

FRHC

Financial Services industry group

8.43%

Max
62.84%
Q3
28.05%
Median
15.36%
FRHC
8.43%
Q1
4.82%
Min
-28.52%
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Chime Financial (CHYM) at 20.88% runs core operations around its industry’s norm, while Freedom (FRHC) at 5.01% operates in the bottom quartile.

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%

FRHC

Financial Services industry group

5.01%

Max
107.33%
Q3
55.90%
Median
30.09%
Q1
14.60%
FRHC
5.01%
Min
-44.34%
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
ROE (TTM)5.38%10.68%
ROA (TTM)14.73%1.24%
Net Margin (TTM)3.05%8.43%
Operating Margin (TTM)20.88%5.01%
Gross Margin (TTM)----

Growth

Revenue Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Freedom (FRHC) at 8.97% is closer to the peer norm — faster top-line expansion for CHYM.

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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Freedom (FRHC) reports EPS growth of 98.93%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Revenue Growth (YoY)30.69%8.97%
Revenue Growth (3Y CAGR)29.42%39.61%
EPS Growth (YoY)--98.93%
EPS Growth (3Y CAGR)---10.08%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and Freedom (FRHC) 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 Freedom (FRHC) 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

Financial strength metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Chime Financial (CHYM) nor Freedom (FRHC) 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%

FRHC

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither Chime Financial (CHYM) nor Freedom (FRHC) 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%

FRHC

Financial Services industry group

0.00%

Max
241.07%
Q3
97.36%
Median
25.77%
FRHC
0.00%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%0.00%

Valuation

P/E Ratio (TTM)

Both look expensive on trailing earnings: Chime Financial (CHYM) at 27.48 sits in the richer P/E ratio quartile, and Freedom (FRHC) at 70.97 is richer still, above its industry range.

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

FRHC

Financial Services industry group

70.97

FRHC
70.97
Max
45.85
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Chime Financial (CHYM) at 4.57 is priced about in line with its industry on P/S ratio, while Freedom (FRHC) at 6.51 sits in the pricier quartile — FRHC 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

FRHC

Financial Services industry group

6.51

Max
9.23
FRHC
6.51
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both Chime Financial (CHYM) at 7.79 and Freedom (FRHC) at 7.16 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

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

FRHC

Financial Services industry group

7.16

Max
7.79
FRHC
7.16
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Chime Financial (CHYM) vs. Freedom (FRHC): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Chime Financial (CHYM) and Freedom (FRHC)
MetricCHYMFRHC
P/E Ratio (TTM)27.4870.97
P/S Ratio (TTM)4.576.51
P/B Ratio (MRQ)7.797.16
Free Cash Flow Yield (TTM)----