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CHYM vs. LYG: A Head-to-Head Stock Comparison

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Here’s a clear look at CHYM and LYG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

CHYM is a standard domestic listing, while LYG trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolCHYMLYG
Company NameChime Financial, Inc.Lloyds Banking Group plc
CountryUnited StatesUnited Kingdom
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesBanks
Market Capitalization6.84 billion USD71.66 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025November 28, 2001
Security TypeCommon StockADR

Historical Performance

This chart compares the performance of CHYM and LYG 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.

CHYM vs. LYG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCHYMLYG
5-Day Price Return-11.10%-1.53%
13-Week Price Return-35.67%10.53%
26-Week Price Return--22.36%
52-Week Price Return--62.70%
Month-to-Date Return10.08%2.72%
Year-to-Date Return-49.07%67.03%
10-Day Avg. Volume6.71M65.28M
3-Month Avg. Volume3.13M66.14M
3-Month Volatility63.53%21.66%
Beta0.871.33

Profitability

Return on Equity (TTM)

CHYM

--

Financial Services Industry

Max
34.42%
Q3
16.76%
Median
9.18%
Q1
3.90%
Min
-10.16%

Return on Equity data for CHYM is currently unavailable.

LYG

12.31%

Banks Industry

Max
25.75%
Q3
15.51%
Median
11.91%
Q1
8.65%
Min
-1.41%

LYG’s Return on Equity of 12.31% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

CHYM vs. LYG: A comparison of their Return on Equity (TTM) against their respective Financial Services and Banks industry benchmarks.

Net Profit Margin (TTM)

CHYM

-60.69%

Financial Services Industry

Max
52.16%
Q3
25.33%
Median
13.11%
Q1
7.04%
Min
-8.99%

CHYM has a negative Net Profit Margin of -60.69%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

LYG

15.71%

Banks Industry

Max
54.20%
Q3
35.60%
Median
28.95%
Q1
22.27%
Min
2.66%

Falling into the lower quartile for the Banks industry, LYG’s Net Profit Margin of 15.71% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CHYM vs. LYG: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Operating Profit Margin (TTM)

CHYM

-62.01%

Financial Services Industry

Max
81.07%
Q3
40.32%
Median
19.93%
Q1
10.20%
Min
-34.40%

CHYM has a negative Operating Profit Margin of -62.01%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

LYG

19.53%

Banks Industry

Max
63.35%
Q3
44.30%
Median
37.14%
Q1
28.21%
Min
12.28%

LYG’s Operating Profit Margin of 19.53% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

CHYM vs. LYG: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Profitability at a Glance

SymbolCHYMLYG
Return on Equity (TTM)--12.31%
Return on Assets (TTM)--0.63%
Net Profit Margin (TTM)-60.69%15.71%
Operating Profit Margin (TTM)-62.01%19.53%
Gross Profit Margin (TTM)87.62%--

Financial Strength

Current Ratio (MRQ)

CHYM

4.94

Financial Services Industry

Max
4.36
Q3
2.26
Median
1.33
Q1
0.86
Min
0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

LYG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CHYM vs. LYG: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CHYM

0.00

Financial Services Industry

Max
5.07
Q3
2.14
Median
0.55
Q1
0.11
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

LYG

2.55

Banks Industry

Max
5.78
Q3
2.55
Median
0.94
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

CHYM vs. LYG: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Interest Coverage Ratio (TTM)

CHYM

--

Financial Services Industry

Max
140.54
Q3
57.67
Median
6.72
Q1
1.93
Min
-33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

LYG

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

CHYM vs. LYG: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Financial Strength at a Glance

SymbolCHYMLYG
Current Ratio (MRQ)4.94--
Quick Ratio (MRQ)4.69--
Debt-to-Equity Ratio (MRQ)0.002.55
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. LYG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CHYM vs. LYG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CHYM

0.00%

Financial Services Industry

Max
7.52%
Q3
3.60%
Median
1.75%
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.

LYG

3.58%

Banks Industry

Max
9.92%
Q3
5.44%
Median
3.78%
Q1
2.38%
Min
0.00%

LYG’s Dividend Yield of 3.58% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CHYM vs. LYG: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Banks industry benchmarks.

Dividend Payout Ratio (TTM)

CHYM

0.00%

Financial Services Industry

Max
132.10%
Q3
64.32%
Median
17.51%
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.

LYG

42.64%

Banks Industry

Max
135.42%
Q3
78.13%
Median
52.54%
Q1
35.48%
Min
0.00%

LYG’s Dividend Payout Ratio of 42.64% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM vs. LYG: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Dividend at a Glance

SymbolCHYMLYG
Dividend Yield (TTM)0.00%3.58%
Dividend Payout Ratio (TTM)0.00%42.64%

Valuation

Price-to-Earnings Ratio (TTM)

CHYM

--

Financial Services Industry

Max
46.13
Q3
28.79
Median
13.18
Q1
9.14
Min
0.47

P/E Ratio data for CHYM is currently unavailable.

LYG

9.38

Banks Industry

Max
21.36
Q3
13.70
Median
10.55
Q1
8.08
Min
2.84

LYG’s P/E Ratio of 9.38 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

CHYM vs. LYG: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CHYM

4.35

Financial Services Industry

Max
9.71
Q3
4.81
Median
2.49
Q1
1.25
Min
0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

LYG

2.24

Banks Industry

Max
4.90
Q3
2.97
Median
2.24
Q1
1.58
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

CHYM vs. LYG: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

CHYM

5.19

Financial Services Industry

Max
7.21
Q3
3.51
Median
1.52
Q1
0.88
Min
0.08

CHYM’s P/B Ratio of 5.19 is in the upper tier for the Financial Services industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

LYG

0.99

Banks Industry

Max
2.14
Q3
1.43
Median
1.13
Q1
0.87
Min
0.25

LYG’s P/B Ratio of 0.99 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CHYM vs. LYG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Valuation at a Glance

SymbolCHYMLYG
Price-to-Earnings Ratio (TTM)--9.38
Price-to-Sales Ratio (TTM)4.352.24
Price-to-Book Ratio (MRQ)5.190.99
Price-to-Free Cash Flow Ratio (TTM)--11.29