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CHYM vs. MSCI: Chime Financial vs. MSCI Stock Comparison

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

MSCI (MSCI) has been public since November 15, 2007, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

Company profile comparison for Chime Financial (CHYM) and MSCI (MSCI)
Profile ItemCHYMMSCI
NameChime Financial Inc. Class AMSCI Inc.
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesFinancial Exchanges & Data
Market Capitalization12.02 billion USD46.60 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJune 12, 2025November 15, 2007
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CHYM
MSCI
GSPC
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Chime Financial (CHYM) vs. MSCI (MSCI), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Chime Financial (CHYM) and MSCI (MSCI). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Chime Financial (CHYM) and MSCI (MSCI). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Total Return (1Y)63.03%12.76%
Total Return (3Y, Annualized)--9.86%
Total Return (5Y, Annualized)--1.00%

Risk Profile

Drawdown History

CHYM
MSCI
GSPC
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Chime Financial (CHYM) vs. MSCI (MSCI), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Chime Financial (CHYM) and MSCI (MSCI). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Volatility (1Y, Annualized)61.33%29.82%
Beta (5Y)0.311.17
Max Drawdown (5Y)-55.70%-43.74%
Avg. Volume (3M)6.12M590.34K

Risk-Adjusted Performance

Risk-Return Positioning

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CHYM and MSCI are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Sharpe Ratio (1Y)0.960.28
Sortino Ratio (1Y)1.480.40

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Chime Financial (CHYM) earns 5.38% on shareholders’ equity, ranked against its industry; MSCI (MSCI) has no ROE this period.

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%

MSCI

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
MSCI
--
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Chime Financial (CHYM) vs. MSCI (MSCI): MSCI does not report ROE, so it has no value marker; CHYM is benchmarked against the Financial Services industry group.

Net Margin (TTM)

MSCI (MSCI) at 40.31% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps 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%

MSCI

Financial Services industry group

40.31%

Max
62.84%
MSCI
40.31%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

MSCI (MSCI) at 56.41% operates in the top operating margin quartile, ahead of Chime Financial (CHYM) at 20.88%, which runs around its industry’s norm.

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%

MSCI

Financial Services industry group

56.41%

Max
107.33%
MSCI
56.41%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
ROE (TTM)5.38%--
ROA (TTM)14.73%21.75%
Net Margin (TTM)3.05%40.31%
Operating Margin (TTM)20.88%56.41%
Gross Margin (TTM)----

Growth

Revenue Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while MSCI (MSCI) at 9.75% is closer to the peer norm — faster top-line expansion for CHYM.

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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: MSCI (MSCI) reports EPS growth of 11.67%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Revenue Growth (YoY)30.69%9.75%
Revenue Growth (3Y CAGR)29.42%11.71%
EPS Growth (YoY)--11.67%
EPS Growth (3Y CAGR)--13.54%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and MSCI (MSCI) 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 MSCI (MSCI) 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

Financial strength metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile MSCI (MSCI) reports a yield of 1.21%, ranking against industry peers normally.

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%

MSCI

Financial Services industry group

1.21%

Max
9.77%
Q3
3.92%
MSCI
1.21%
Median
1.09%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their dividend yield against the Financial Services industry group benchmark.

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 MSCI (MSCI) reports a payout of 42.04%, 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%

MSCI

Financial Services industry group

42.04%

Max
241.07%
Q3
97.36%
MSCI
42.04%
Median
25.77%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
Dividend Yield (TTM)0.00%1.21%
Dividend Payout Ratio (TTM)0.00%42.04%

Valuation

P/E Ratio (TTM)

Both Chime Financial (CHYM) at 27.48 and MSCI (MSCI) at 33.90 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.

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

MSCI

Financial Services industry group

33.90

Max
45.85
MSCI
33.90
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Chime Financial (CHYM) at 4.57 prices around its industry’s typical P/S ratio, while MSCI (MSCI) at 13.58 clears its benchmark range — MSCI looks notably rich on sales.

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

MSCI

Financial Services industry group

13.58

MSCI
13.58
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

MSCI (MSCI) reports a negative P/B ratio of -15.24, meaning negative book equity — the multiple itself is not meaningful for valuation. Meanwhile Chime Financial (CHYM) reports 7.79, ranking against industry peers normally.

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

MSCI

Financial Services industry group

-15.24

Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
MSCI
-15.24
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Chime Financial (CHYM) vs. MSCI (MSCI): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Chime Financial (CHYM) and MSCI (MSCI)
MetricCHYMMSCI
P/E Ratio (TTM)27.4833.90
P/S Ratio (TTM)4.5713.58
P/B Ratio (MRQ)7.79-15.24
Free Cash Flow Yield (TTM)----