CHYM vs. KSPI: Chime Financial vs. Kaspi.kz Stock Comparison
How do Chime Financial (CHYM) and Kaspi.kz (KSPI) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Chime Financial (CHYM) and Kaspi.kz (KSPI) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while KSPI is classified in Consumer Finance.
Chime Financial (CHYM) trades as ordinary local shares, while Kaspi.kz (KSPI) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | CHYM | KSPI |
|---|---|---|
| Name | Chime Financial Inc. Class A | Kaspi.kz JSC ADR |
| Country/Region | United States | Kazakhstan |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Consumer Finance |
| GICS Sub-Industry | Transaction & Payment Processing Services | Consumer Finance |
| Market Capitalization | 12.02 billion USD | 17.42 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | June 12, 2025 | January 19, 2024 |
| Security Type | Common Stock | ADR |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| Total Return (1Y) | 63.03% | 34.75% |
| Total Return (3Y, Annualized) | -- | -- |
| Total Return (5Y, Annualized) | -- | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| Volatility (1Y, Annualized) | 61.33% | 34.36% |
| Beta (5Y) | 0.31 | 1.05 |
| Max Drawdown (5Y) | -55.70% | -48.88% |
| Avg. Volume (3M) | 6.12M | 566.23K |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| Sharpe Ratio (1Y) | 0.96 | 0.89 |
| Sortino Ratio (1Y) | 1.48 | 1.47 |
Profitability
ROE (TTM)
Kaspi.kz (KSPI) at 44.78% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for KSPI.
CHYM
Financial Services industry group
5.38%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- CHYM
- 5.38%
- Q1
- 4.48%
- Min
- -18.71%
KSPI
Financial Services industry group
44.78%
- KSPI
- 44.78%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Kaspi.kz (KSPI) at 24.15% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.
CHYM
Financial Services industry group
3.05%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- CHYM
- 3.05%
- Min
- -28.52%
KSPI
Financial Services industry group
24.15%
- Max
- 62.84%
- Q3
- 28.05%
- KSPI
- 24.15%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Chime Financial (CHYM) at 20.88% runs core operations around its industry’s norm, while Kaspi.kz (KSPI) at 0.00% operates in the bottom quartile.
CHYM
Financial Services industry group
20.88%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- CHYM
- 20.88%
- Q1
- 14.60%
- Min
- -44.34%
KSPI
Financial Services industry group
0.00%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- KSPI
- 0.00%
- Min
- -44.34%
Profitability Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| ROE (TTM) | 5.38% | 44.78% |
| ROA (TTM) | 14.73% | 13.54% |
| Net Margin (TTM) | 3.05% | 24.15% |
| Operating Margin (TTM) | 20.88% | 0.00% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Chime Financial (CHYM) at 30.69% and Kaspi.kz (KSPI) at 59.78% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Only one side can be read here: Kaspi.kz (KSPI) reports EPS growth of 2.96%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.
Growth Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| Revenue Growth (YoY) | 30.69% | 59.78% |
| Revenue Growth (3Y CAGR) | 29.42% | 47.54% |
| EPS Growth (YoY) | -- | 2.96% |
| EPS Growth (3Y CAGR) | -- | 22.85% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and Kaspi.kz (KSPI) 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 / Equity (MRQ)
debt-to-equity ratio is set aside for both: Chime Financial (CHYM) in Financial Services and Kaspi.kz (KSPI) 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
| Metric | CHYM | KSPI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Chime Financial (CHYM) nor Kaspi.kz (KSPI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
CHYM
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
KSPI
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- KSPI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Kaspi.kz (KSPI) reports a payout of 33.12%, ranking against industry peers normally.
CHYM
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- CHYM
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
KSPI
Financial Services industry group
33.12%
- Max
- 241.07%
- Q3
- 97.36%
- KSPI
- 33.12%
- Median
- 25.77%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 33.12% |
Valuation
P/E Ratio (TTM)
Kaspi.kz (KSPI) at 8.40 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.
CHYM
Financial Services industry group
27.48
- Max
- 45.85
- CHYM
- 27.48
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
KSPI
Financial Services industry group
8.40
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- KSPI
- 8.40
- Min
- 0.16
P/S Ratio (TTM)
A sales-based read is only available for Chime Financial (CHYM), whose P/S ratio of 4.57 ranks against industry peers; Kaspi.kz (KSPI) reports no figure this period.
CHYM
Financial Services industry group
4.57
- Max
- 9.23
- Q3
- 4.57
- CHYM
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
KSPI
Financial Services industry group
--
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
- KSPI
- --
P/B Ratio (MRQ)
Kaspi.kz (KSPI) at 0.01 looks cheap against book in the lower P/B ratio quartile, while Chime Financial (CHYM) at 7.79 carries a premium in the upper quartile — a clear price-to-book gap.
CHYM
Financial Services industry group
7.79
- CHYM
- 7.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
KSPI
Financial Services industry group
0.01
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- KSPI
- 0.01
- Min
- -0.39
Valuation Metrics
| Metric | CHYM | KSPI |
|---|---|---|
| P/E Ratio (TTM) | 27.48 | 8.40 |
| P/S Ratio (TTM) | 4.57 | -- |
| P/B Ratio (MRQ) | 7.79 | 0.01 |
| Free Cash Flow Yield (TTM) | -- | -- |