CHYM vs. JEF: Chime Financial vs. Jefferies Stock Comparison

Company Profile

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

Jefferies (JEF) carries decades of public-market history since March 17, 1980, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the JEF side.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Jefferies (JEF) has an aggressive beta of 1.49, indicating higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Chime Financial (CHYM) at 5.38% and Jefferies (JEF) at 8.59% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Jefferies (JEF) at 11.00% 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 Jefferies (JEF) at 15.80% 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 Jefferies (JEF) at 2.93% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Jefferies (JEF) reports EPS growth of -5.35%, 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 Jefferies (JEF) 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 Jefferies (JEF) 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 Jefferies (JEF) reports a yield of 3.29%, 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 Jefferies (JEF) reports a payout of 42.67%, ranking against industry peers normally.

Dividend Metrics

Valuation

Jefferies (JEF) at 12.63 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 Jefferies (JEF) at 1.28 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Jefferies (JEF) at 1.02 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