CHYM vs. GPN: Chime Financial vs. Global Payments Stock Comparison

Company Profile

Chime Financial (CHYM) and Global Payments (GPN) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Global Payments (GPN) carries decades of public-market history since January 16, 2001, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the GPN 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

Chime Financial (CHYM) at 5.38% is around its peer norm for ROE, while Global Payments (GPN) at 0.84% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.

Global Payments (GPN) reports a negative net margin of -11.21%, usually indicating a net loss over the period. Meanwhile Chime Financial (CHYM) reports 3.05%, ranking against industry peers normally.

Both Chime Financial (CHYM) at 20.88% and Global Payments (GPN) at 15.73% 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 Global Payments (GPN) at -0.39% is in the bottom quartile, showing a clear gap in revenue momentum.

Only one side can be read here: Global Payments (GPN) reports EPS growth of -6.17%, 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 Global Payments (GPN) 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 Global Payments (GPN) 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 Global Payments (GPN) reports a yield of 1.05%, ranking against industry peers normally.

Global Payments (GPN) reports payout ratio above 100% at 178.57%, meaning dividends exceeded current-period earnings; Chime Financial (CHYM) pays no dividend (payout 0.00%).

Dividend Metrics

Valuation

Both look expensive on trailing earnings: Chime Financial (CHYM) at 27.48 sits in the richer P/E ratio quartile, and Global Payments (GPN) at 173.93 is richer still, above its industry range.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Global Payments (GPN) at 2.24 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Global Payments (GPN) at 1.11 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