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CHYM vs. ITUB: A Head-to-Head Stock Comparison

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Here’s a clear look at CHYM and ITUB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

CHYM is a standard domestic listing, while ITUB trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolCHYMITUB
Company NameChime Financial, Inc.Itaú Unibanco Holding S.A.
CountryUnited StatesBrazil
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesBanks
Market Capitalization11.15 billion USD71.18 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025February 25, 2002
Security TypeCommon StockADR

Historical Performance

This chart compares the performance of CHYM and ITUB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CHYM vs. ITUB: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCHYMITUB
5-Day Price Return-10.62%5.23%
13-Week Price Return--2.98%
26-Week Price Return--24.48%
52-Week Price Return--24.32%
Month-to-Date Return-12.21%8.16%
Year-to-Date Return-18.59%36.11%
10-Day Avg. Volume2.58M25.41M
3-Month Avg. Volume4.14M23.35M
3-Month Volatility--18.66%
Beta2.180.47

Profitability

Return on Equity (TTM)

CHYM

--

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

Return on Equity data for CHYM is currently unavailable.

ITUB

20.76%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

In the upper quartile for the Banks industry, ITUB’s Return on Equity of 20.76% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CHYM vs. ITUB: A comparison of their Return on Equity (TTM) against their respective Financial Services and Banks industry benchmarks.

Net Profit Margin (TTM)

CHYM

2.49%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

Falling into the lower quartile for the Financial Services industry, CHYM’s Net Profit Margin of 2.49% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

ITUB

17.96%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, ITUB’s Net Profit Margin of 17.96% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CHYM vs. ITUB: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Operating Profit Margin (TTM)

CHYM

1.76%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

CHYM’s Operating Profit Margin of 1.76% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

ITUB

21.93%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

ITUB’s Operating Profit Margin of 21.93% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CHYM vs. ITUB: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Profitability at a Glance

SymbolCHYMITUB
Return on Equity (TTM)--20.76%
Return on Assets (TTM)--1.50%
Net Profit Margin (TTM)2.49%17.96%
Operating Profit Margin (TTM)1.76%21.93%
Gross Profit Margin (TTM)88.35%--

Financial Strength

Current Ratio (MRQ)

CHYM

3.80

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

ITUB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CHYM vs. ITUB: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CHYM

0.00

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
Q1
0.12
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

ITUB

4.50

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

CHYM vs. ITUB: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

CHYM

--

Financial Services Industry

Max
136.23
Q3
56.08
Median
6.55
Q1
2.01
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

ITUB

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

CHYM vs. ITUB: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Financial Strength at a Glance

SymbolCHYMITUB
Current Ratio (MRQ)3.80--
Quick Ratio (MRQ)3.56--
Debt-to-Equity Ratio (MRQ)0.004.50
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. ITUB: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CHYM vs. ITUB: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CHYM

0.00%

Financial Services Industry

Max
8.18%
Q3
3.60%
Median
1.56%
Q1
0.00%
Min
0.00%

CHYM currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

ITUB

6.69%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

With a Dividend Yield of 6.69%, ITUB offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

CHYM vs. ITUB: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

CHYM

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
Q1
0.00%
Min
0.00%

CHYM has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

ITUB

51.88%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

ITUB’s Dividend Payout Ratio of 51.88% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM vs. ITUB: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Dividend at a Glance

SymbolCHYMITUB
Dividend Yield (TTM)0.00%6.69%
Dividend Payout Ratio (TTM)0.00%51.88%

Valuation

Price-to-Earnings Ratio (TTM)

CHYM

844.94

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

At 844.94, CHYM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

ITUB

9.41

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

ITUB’s P/E Ratio of 9.41 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CHYM vs. ITUB: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CHYM

21.08

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

ITUB

1.38

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

CHYM vs. ITUB: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

CHYM

--

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

P/B Ratio data for CHYM is currently unavailable.

ITUB

1.58

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

ITUB’s P/B Ratio of 1.58 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CHYM vs. ITUB: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Valuation at a Glance

SymbolCHYMITUB
Price-to-Earnings Ratio (TTM)844.949.41
Price-to-Sales Ratio (TTM)21.081.38
Price-to-Book Ratio (MRQ)--1.58
Price-to-Free Cash Flow Ratio (TTM)--4.14