CHYM vs. KNSL: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at CHYM and KNSL, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | CHYM | KNSL |
|---|---|---|
| Company Name | Chime Financial, Inc. | Kinsale Capital Group, Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Financial Services | Insurance |
| Market Capitalization | 11.15 billion USD | 10.53 billion USD |
| Exchange | NasdaqGS | NYSE |
| Listing Date | June 12, 2025 | July 28, 2016 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of CHYM and KNSL 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.
Historical Performance at a Glance
| Symbol | CHYM | KNSL |
|---|---|---|
| 5-Day Price Return | -10.62% | 2.73% |
| 13-Week Price Return | -- | -1.05% |
| 26-Week Price Return | -- | -8.63% |
| 52-Week Price Return | -- | -2.74% |
| Month-to-Date Return | -12.21% | 2.57% |
| Year-to-Date Return | -18.59% | -2.82% |
| 10-Day Avg. Volume | 2.58M | 0.17M |
| 3-Month Avg. Volume | 4.14M | 0.21M |
| 3-Month Volatility | -- | 27.00% |
| Beta | 2.18 | 1.13 |
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.
KNSL
28.71%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, KNSL’s Return on Equity of 28.71% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
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.
KNSL
26.78%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
A Net Profit Margin of 26.78% places KNSL in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.
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.
KNSL
31.08%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | CHYM | KNSL |
|---|---|---|
| Return on Equity (TTM) | -- | 28.71% |
| Return on Assets (TTM) | -- | 8.76% |
| Net Profit Margin (TTM) | 2.49% | 26.78% |
| Operating Profit Margin (TTM) | 1.76% | 31.08% |
| 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.
KNSL
--
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
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.
KNSL
0.11
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
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.
KNSL
7.11
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | CHYM | KNSL |
|---|---|---|
| Current Ratio (MRQ) | 3.80 | -- |
| Quick Ratio (MRQ) | 3.56 | -- |
| Debt-to-Equity Ratio (MRQ) | 0.00 | 0.11 |
| Interest Coverage Ratio (TTM) | -- | 7.11 |
Growth
Revenue Growth
EPS Growth
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.
KNSL
0.13%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
KNSL’s Dividend Yield of 0.13% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.
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.
KNSL
3.36%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
KNSL’s Dividend Payout Ratio of 3.36% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
Dividend at a Glance
| Symbol | CHYM | KNSL |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.13% |
| Dividend Payout Ratio (TTM) | 0.00% | 3.36% |
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.
KNSL
23.32
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
A P/E Ratio of 23.32 places KNSL in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
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.
KNSL
6.25
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
With a P/S Ratio of 6.25, KNSL trades at a valuation that eclipses even the highest in the Insurance industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.
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.
KNSL
6.55
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
At 6.55, KNSL’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.
Valuation at a Glance
| Symbol | CHYM | KNSL |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 844.94 | 23.32 |
| Price-to-Sales Ratio (TTM) | 21.08 | 6.25 |
| Price-to-Book Ratio (MRQ) | -- | 6.55 |
| Price-to-Free Cash Flow Ratio (TTM) | -- | 10.94 |