CHYM vs. LPLA: Chime Financial vs. LPL Financial Stock Comparison

Company Profile

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

LPL Financial (LPLA) has been public since November 18, 2010, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

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

LPL Financial (LPLA) at 25.66% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for LPLA.

LPL Financial (LPLA) at 6.97% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Chime Financial (CHYM) at 20.88% runs core operations around its industry’s norm, while LPL Financial (LPLA) at 10.85% operates in the bottom quartile.

Profitability Metrics

Growth

Both Chime Financial (CHYM) at 30.69% and LPL Financial (LPLA) at 37.18% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.

Only one side can be read here: LPL Financial (LPLA) reports EPS growth of -22.17%, 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 LPL Financial (LPLA) 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 LPL Financial (LPLA) 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 LPL Financial (LPLA) reports a yield of 0.40%, 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 LPL Financial (LPLA) reports a payout of 6.88%, ranking against industry peers normally.

Dividend Metrics

Valuation

LPL Financial (LPLA) at 16.93 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.

LPL Financial (LPLA) at 1.15 sits in the cheaper P/S ratio quartile while Chime Financial (CHYM) at 4.57 prices around its industry’s middle — LPLA costs less per dollar of sales, though read it alongside growth and margins.

Both Chime Financial (CHYM) at 7.79 and LPL Financial (LPLA) at 3.98 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics