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

Updated on October 3, 2025

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

Company Profile

Symbol	CHYM	PYPL
Company Name	Chime Financial, Inc.	PayPal Holdings, Inc.
Country	United States	United States
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Financial Services
Market Capitalization	7.82 billion USD	64.30 billion USD
Exchange	NasdaqGS	NasdaqGS
Listing Date	June 12, 2025	July 6, 2015
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of CHYM and PYPL 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. PYPL: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	CHYM	PYPL
5-Day Price Return	-12.49%	-0.12%
13-Week Price Return	-41.55%	-11.46%
26-Week Price Return	--	-3.19%
52-Week Price Return	--	-14.57%
Month-to-Date Return	-23.63%	-0.60%
Year-to-Date Return	-45.65%	-21.90%
10-Day Avg. Volume	3.45M	15.32M
3-Month Avg. Volume	3.52M	10.98M
3-Month Volatility	59.37%	32.05%
Beta	2.53	1.42

Profitability

Return on Equity (TTM)

CHYM

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

Return on Equity data for CHYM is currently unavailable.

PYPL

23.09%

Financial Services Industry

Max: 39.28%
Q3: 18.88%
Median: 9.97%
Q1: 4.03%
Min: -10.25%

In the upper quartile for the Financial Services industry, PYPL’s Return on Equity of 23.09% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CHYM vs. PYPL: A comparison of their Return on Equity (TTM) against the Financial Services industry benchmark.

Net Profit Margin (TTM)

CHYM

-86.97%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

CHYM has a negative Net Profit Margin of -86.97%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

PYPL

14.49%

Financial Services Industry

Max: 52.16%
Q3: 25.35%
Median: 12.68%
Q1: 6.11%
Min: -11.69%

PYPL’s Net Profit Margin of 14.49% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

CHYM vs. PYPL: A comparison of their Net Profit Margin (TTM) against the Financial Services industry benchmark.

Operating Profit Margin (TTM)

CHYM

-88.02%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

CHYM has a negative Operating Profit Margin of -88.02%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

PYPL

18.17%

Financial Services Industry

Max: 75.57%
Q3: 37.78%
Median: 19.09%
Q1: 10.04%
Min: -19.42%

PYPL’s Operating Profit Margin of 18.17% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

CHYM vs. PYPL: A comparison of their Operating Profit Margin (TTM) against the Financial Services industry benchmark.

Profitability at a Glance

Symbol	CHYM	PYPL
Return on Equity (TTM)	--	23.09%
Return on Assets (TTM)	--	5.74%
Net Profit Margin (TTM)	-86.97%	14.49%
Operating Profit Margin (TTM)	-88.02%	18.17%
Gross Profit Margin (TTM)	87.82%	41.68%

Financial Strength

Current Ratio (MRQ)

CHYM

4.83

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
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.

PYPL

1.33

Financial Services Industry

Max: 4.83
Q3: 2.70
Median: 1.44
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.

CHYM vs. PYPL: A comparison of their Current Ratio (MRQ) against the Financial Services industry benchmark.

Debt-to-Equity Ratio (MRQ)

CHYM

0.00

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
Q1: 0.12
Min: 0.00

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

PYPL

0.56

Financial Services Industry

Max: 5.07
Q3: 2.14
Median: 0.66
Q1: 0.12
Min: 0.00

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

CHYM vs. PYPL: A comparison of their Debt-to-Equity Ratio (MRQ) against the Financial Services industry benchmark.

Interest Coverage Ratio (TTM)

CHYM

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

PYPL

1,066.80

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

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

CHYM vs. PYPL: A comparison of their Interest Coverage Ratio (TTM) against the Financial Services industry benchmark.

Financial Strength at a Glance

Symbol	CHYM	PYPL
Current Ratio (MRQ)	4.83	1.33
Quick Ratio (MRQ)	4.62	1.28
Debt-to-Equity Ratio (MRQ)	0.00	0.56
Interest Coverage Ratio (TTM)	--	1,066.80

Growth

Revenue Growth

CHYM vs. PYPL: 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. PYPL: 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: 8.12%
Q3: 3.37%
Median: 1.70%
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.

PYPL

0.00%

Financial Services Industry

Max: 8.12%
Q3: 3.37%
Median: 1.70%
Q1: 0.00%
Min: 0.00%

PYPL 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.

CHYM vs. PYPL: A comparison of their Dividend Yield (TTM) against the Financial Services industry benchmark.

Dividend Payout Ratio (TTM)

CHYM

0.00%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
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.

PYPL

0.00%

Financial Services Industry

Max: 132.10%
Q3: 64.32%
Median: 18.23%
Q1: 0.00%
Min: 0.00%

PYPL 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.

CHYM vs. PYPL: A comparison of their Dividend Payout Ratio (TTM) against the Financial Services industry benchmark.

Dividend at a Glance

Symbol	CHYM	PYPL
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

CHYM

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

P/E Ratio data for CHYM is currently unavailable.

PYPL

13.56

Financial Services Industry

Max: 45.81
Q3: 30.21
Median: 16.29
Q1: 10.14
Min: 0.70

PYPL’s P/E Ratio of 13.56 is within the middle range for the Financial Services 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. PYPL: A comparison of their Price-to-Earnings Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Sales Ratio (TTM)

CHYM

7.10

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

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

PYPL

1.96

Financial Services Industry

Max: 10.88
Q3: 5.34
Median: 2.64
Q1: 1.24
Min: 0.06

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

CHYM vs. PYPL: A comparison of their Price-to-Sales Ratio (TTM) against the Financial Services industry benchmark.

Price-to-Book Ratio (MRQ)

CHYM

8.81

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

At 8.81, CHYM’s P/B Ratio is at an extreme premium to the Financial Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

PYPL

3.58

Financial Services Industry

Max: 7.93
Q3: 3.78
Median: 1.49
Q1: 0.88
Min: 0.08

PYPL’s P/B Ratio of 3.58 is within the conventional range for the Financial Services 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. PYPL: A comparison of their Price-to-Book Ratio (MRQ) against the Financial Services industry benchmark.

Valuation at a Glance

Symbol	CHYM	PYPL
Price-to-Earnings Ratio (TTM)	--	13.56
Price-to-Sales Ratio (TTM)	7.10	1.96
Price-to-Book Ratio (MRQ)	8.81	3.58
Price-to-Free Cash Flow Ratio (TTM)	--	11.99