CHYM vs. FUTU: Chime Financial vs. Futu Stock Comparison

Company Profile

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

Futu (FUTU) has been public since March 8, 2019, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

Chime Financial (CHYM) trades as ordinary local shares, while Futu (FUTU) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

Futu (FUTU) at 30.52% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for FUTU.

Futu (FUTU) at 46.20% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Futu (FUTU) at 66.75% operates in the top operating margin quartile, ahead of Chime Financial (CHYM) at 20.88%, which runs around its industry’s norm.

Profitability Metrics

Growth

Both companies are growing quickly, but Futu (FUTU) at 68.11% is the standout with revenue growth above its industry range; Chime Financial (CHYM) at 30.69% also sits in the top quartile.

Only one side can be read here: Futu (FUTU) reports EPS growth of 106.38%, 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 Futu (FUTU) 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 Futu (FUTU) 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

Neither Chime Financial (CHYM) nor Futu (FUTU) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Futu (FUTU) reports a payout of 25.80%, ranking against industry peers normally.

Dividend Metrics

Valuation

Futu (FUTU) at 9.73 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.

Futu (FUTU) at 0.57 sits in the cheaper P/S ratio quartile while Chime Financial (CHYM) at 4.57 prices around its industry’s middle — FUTU costs less per dollar of sales, though read it alongside growth and margins.

Futu (FUTU) at 2.75 is valued about in line with its industry on P/B ratio, while Chime Financial (CHYM) at 7.79 carries an above-peer premium to book — CHYM is pricier on assets.

Valuation Metrics