CHYM vs. MA: Chime Financial vs. Mastercard Stock Comparison

Company Profile

Chime Financial (CHYM) and Mastercard (MA) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Mastercard (MA) carries decades of public-market history since May 25, 2006, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the MA side.

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

Mastercard (MA) at 231.37% clears its industry range for ROE, a sharper capital-efficiency signal than Chime Financial (CHYM) at 5.38%, which is closer to a typical peer reading.

Mastercard (MA) at 46.73% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Mastercard (MA) at 60.53% operates in the top operating margin quartile, ahead of Chime Financial (CHYM) at 20.88%, which runs around its industry’s norm.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Mastercard (MA) at 16.42% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Mastercard (MA) reports EPS growth of 18.93%, 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 Mastercard (MA) 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 Mastercard (MA) 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 Mastercard (MA) reports a yield of 0.53%, 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 Mastercard (MA) reports a payout of 17.63%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Chime Financial (CHYM) at 27.48 and Mastercard (MA) at 34.15 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

Chime Financial (CHYM) at 4.57 prices around its industry’s typical P/S ratio, while Mastercard (MA) at 15.67 clears its benchmark range — MA looks notably rich on sales.

Both look rich against book: Chime Financial (CHYM) at 7.79 sits in the upper P/B ratio quartile, and Mastercard (MA) at 84.30 prices even higher, above its industry range.

Valuation Metrics