CHYM vs. HOOD: Chime Financial vs. Robinhood Markets Stock Comparison

Company Profile

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

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Robinhood Markets (HOOD) has a highly aggressive beta of 2.52, indicating much higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — a wide gap in beta profiles.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Chime Financial (CHYM) at 5.38% and Robinhood Markets (HOOD) at 21.45% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Robinhood Markets (HOOD) at 39.04% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and Robinhood Markets (HOOD) at 48.10% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Both Chime Financial (CHYM) at 30.69% and Robinhood Markets (HOOD) at 51.58% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

Only one side can be read here: Robinhood Markets (HOOD) reports EPS growth of 31.41%, 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 Robinhood Markets (HOOD) 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 Robinhood Markets (HOOD) 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 Robinhood Markets (HOOD) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

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

Dividend Metrics

Valuation

Both Chime Financial (CHYM) at 27.48 and Robinhood Markets (HOOD) at 37.29 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

Chime Financial (CHYM) at 4.57 prices around its industry’s typical P/S ratio, while Robinhood Markets (HOOD) at 14.34 clears its benchmark range — HOOD looks notably rich on sales.

Both Chime Financial (CHYM) at 7.79 and Robinhood Markets (HOOD) at 7.29 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics