CHYM vs. HLI: Chime Financial vs. Houlihan Lokey Stock Comparison

Company Profile

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

Houlihan Lokey (HLI) has been public since August 13, 2015, 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

Both Chime Financial (CHYM) at 5.38% and Houlihan Lokey (HLI) at 17.29% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Houlihan Lokey (HLI) at 15.80% 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 Houlihan Lokey (HLI) at 24.42% 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 Houlihan Lokey (HLI) at 9.55% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Houlihan Lokey (HLI) reports EPS growth of 6.87%, 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 Houlihan Lokey (HLI) 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 Houlihan Lokey (HLI) 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 Houlihan Lokey (HLI) reports a yield of 1.77%, 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 Houlihan Lokey (HLI) reports a payout of 43.62%, ranking against industry peers normally.

Dividend Metrics

Valuation

Houlihan Lokey (HLI) at 24.47 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.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Houlihan Lokey (HLI) at 3.96 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Both Chime Financial (CHYM) at 7.79 and Houlihan Lokey (HLI) at 4.39 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics