CHYM vs. IX: Chime Financial vs. ORIX Stock Comparison

Company Profile

Chime Financial (CHYM) and ORIX (IX) both belong to the Financial Services industry, though CHYM is classified under Transaction & Payment Processing Services while IX falls under Diversified Financial Services.

ORIX (IX) carries decades of public-market history since September 16, 1998, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the IX side.

Chime Financial (CHYM) trades as ordinary local shares, while ORIX (IX) 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

Both Chime Financial (CHYM) at 5.38% and ORIX (IX) at 14.04% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

ORIX (IX) at 17.94% 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 ORIX (IX) at 21.52% 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 ORIX (IX) at 18.57% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: ORIX (IX) reports EPS growth of 30.03%, 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 ORIX (IX) 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 ORIX (IX) 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 ORIX (IX) reports a yield of 435.55%, 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 ORIX (IX) reports a payout of 26.52%, ranking against industry peers normally.

Dividend Metrics

Valuation

ORIX (IX) at 9.68 sits in the cheaper P/E ratio quartile, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

ORIX (IX) at 0.01 sits in the cheaper P/S ratio quartile while Chime Financial (CHYM) at 4.57 prices around its industry’s middle — IX costs less per dollar of sales, though read it alongside growth and margins.

ORIX (IX) at 1.28 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