CHYM vs. PYPL: Chime Financial vs. PayPal Stock Comparison

November 11, 2026

How do Chime Financial (CHYM) and PayPal (PYPL) 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 PayPal (PYPL) 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.

PayPal (PYPL) has been public since July 6, 2015, 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 PayPal (PYPL)
Profile Item	CHYM	PYPL
Name	Chime Financial Inc. Class A	PayPal Holdings, Inc.
Country/Region	United States	United States
GICS Sector	Financials	Financials
GICS Industry Group	Financial Services	Financial Services
GICS Industry	Financial Services	Financial Services
GICS Sub-Industry	Transaction & Payment Processing Services	Transaction & Payment Processing Services
Market Capitalization	12.02 billion USD	49.21 billion USD
Currency	USD	USD
Exchange	Nasdaq	Nasdaq
Listing Date	June 12, 2025	July 6, 2015
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

CHYM

PYPL

GSPC

Chime Financial (CHYM) vs. PayPal (PYPL), 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 PayPal (PYPL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
Total Return (1Y)	63.03%	-7.44%
Total Return (3Y, Annualized)	--	4.14%
Total Return (5Y, Annualized)	--	-21.48%

Risk Profile

Drawdown History

CHYM

PYPL

GSPC

Chime Financial (CHYM) vs. PayPal (PYPL), 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 PayPal (PYPL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
Volatility (1Y, Annualized)	61.33%	42.40%
Beta (5Y)	0.31	1.28
Max Drawdown (5Y)	-55.70%	-81.84%
Avg. Volume (3M)	6.12M	11.78M

Risk-Adjusted Performance

Risk-Return Positioning

CHYM and PYPL 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 PayPal (PYPL)
Metric	CHYM	PYPL
Sharpe Ratio (1Y)	0.96	-0.28
Sortino Ratio (1Y)	1.48	-0.37

Profitability

ROE (TTM)

PayPal (PYPL) at 23.83% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for PYPL.

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%

PYPL

Financial Services industry group

23.83%

Max: 44.78%
PYPL: 23.83%
Q3: 21.85%
Median: 12.91%
Q1: 4.48%
Min: -18.71%

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

PayPal (PYPL) at 13.78% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only 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%

PYPL

Financial Services industry group

13.78%

Max: 62.84%
Q3: 28.05%
Median: 15.36%
PYPL: 13.78%
Q1: 4.82%
Min: -28.52%

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Chime Financial (CHYM) at 20.88% and PayPal (PYPL) at 18.41% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

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%

PYPL

Financial Services industry group

18.41%

Max: 107.33%
Q3: 55.90%
Median: 30.09%
PYPL: 18.41%
Q1: 14.60%
Min: -44.34%

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
ROE (TTM)	5.38%	23.83%
ROA (TTM)	14.73%	4.70%
Net Margin (TTM)	3.05%	13.78%
Operating Margin (TTM)	20.88%	18.41%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while PayPal (PYPL) at 4.32% is closer to the peer norm — faster top-line expansion for CHYM.

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

EPS Growth

Only one side can be read here: PayPal (PYPL) reports EPS growth of 35.59%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

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

Growth Metrics

Growth metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
Revenue Growth (YoY)	30.69%	4.32%
Revenue Growth (3Y CAGR)	29.42%	6.43%
EPS Growth (YoY)	--	35.59%
EPS Growth (3Y CAGR)	--	37.30%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and PayPal (PYPL) 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 PayPal (PYPL) 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 PayPal (PYPL)
Metric	CHYM	PYPL
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 PayPal (PYPL) reports a yield of 0.95%, 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%

PYPL

Financial Services industry group

0.95%

Max: 9.77%
Q3: 3.92%
Median: 1.09%
PYPL: 0.95%
Q1: 0.00%
Min: 0.00%

Chime Financial (CHYM) vs. PayPal (PYPL): 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 PayPal (PYPL) reports a payout of 10.69%, 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%

PYPL

Financial Services industry group

10.69%

Max: 241.07%
Q3: 97.36%
Median: 25.77%
PYPL: 10.69%
Q1: 0.00%
Min: 0.00%

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
Dividend Yield (TTM)	0.00%	0.95%
Dividend Payout Ratio (TTM)	0.00%	10.69%

Valuation

P/E Ratio (TTM)

PayPal (PYPL) at 11.31 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.

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

PYPL

Financial Services industry group

11.31

Max: 45.85
Q3: 24.64
Median: 15.37
PYPL: 11.31
Q1: 9.68
Min: 0.16

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Chime Financial (CHYM) at 4.57 and PayPal (PYPL) at 1.43 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

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

PYPL

Financial Services industry group

1.43

Max: 9.23
Q3: 4.57
Median: 2.72
PYPL: 1.43
Q1: 1.28
Min: -0.55

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

PayPal (PYPL) at 2.55 is valued about in line with its industry on P/B ratio, while Chime Financial (CHYM) at 7.79 carries an above-peer premium to book — CHYM is pricier on assets.

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

PYPL

Financial Services industry group

2.55

Max: 7.79
Q3: 3.63
PYPL: 2.55
Median: 1.57
Q1: 0.81
Min: -0.39

Chime Financial (CHYM) vs. PayPal (PYPL): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Chime Financial (CHYM) and PayPal (PYPL)
Metric	CHYM	PYPL
P/E Ratio (TTM)	27.48	11.31
P/S Ratio (TTM)	4.57	1.43
P/B Ratio (MRQ)	7.79	2.55
Free Cash Flow Yield (TTM)	--	--