CHYM vs. MCO: Chime Financial vs. Moody's Stock Comparison

Company Profile

Chime Financial (CHYM) and Moody's (MCO) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while MCO is classified in Capital Markets.

Moody's (MCO) carries decades of public-market history since October 31, 1994, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the MCO 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

Moody's (MCO) at 76.74% 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.

Moody's (MCO) at 35.26% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and Moody's (MCO) at 46.27% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Moody's (MCO) at 8.89% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Moody's (MCO) reports EPS growth of 21.40%, 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 Moody's (MCO) 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 Moody's (MCO) 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 Moody's (MCO) reports a yield of 0.78%, 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 Moody's (MCO) reports a payout of 24.59%, ranking against industry peers normally.

Dividend Metrics

Valuation

Both Chime Financial (CHYM) at 27.48 and Moody's (MCO) at 30.85 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 Moody's (MCO) at 10.66 clears its benchmark range — MCO 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 Moody's (MCO) at 26.68 prices even higher, above its industry range.

Valuation Metrics