CHYM vs. PAYP: Chime Financial vs. PayPay Stock Comparison

Company Profile

Chime Financial (CHYM) and PayPay (PAYP) 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.

Chime Financial (CHYM) trades as ordinary local shares, while PayPay (PAYP) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

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

Both CHYM and PAYP need 1-year volatility and 1-year return to plot risk-return positioning.

Risk-Adjusted Metrics

Profitability

Both Chime Financial (CHYM) at 5.38% and PayPay (PAYP) at 18.80% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

PayPay (PAYP) at 15.85% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and PayPay (PAYP) at 32.79% 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 PayPay (PAYP) at 25.85% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: PayPay (PAYP) reports EPS growth of 230.06%, 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 PayPay (PAYP) 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 PayPay (PAYP) 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

Neither Chime Financial (CHYM) nor PayPay (PAYP) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Chime Financial (CHYM) nor PayPay (PAYP) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

PayPay (PAYP) at 23.30 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.

PayPay (PAYP) at 0.02 sits in the cheaper P/S ratio quartile while Chime Financial (CHYM) at 4.57 prices around its industry’s middle — PAYP costs less per dollar of sales, though read it alongside growth and margins.

Both Chime Financial (CHYM) at 7.79 and PayPay (PAYP) at 3.75 carry a premium to book value versus peers, sitting in the upper P/B ratio quartile of their industries.

Valuation Metrics