CHYM vs. RJF: Chime Financial vs. Raymond James Financial Stock Comparison

Company Profile

Chime Financial (CHYM) and Raymond James Financial (RJF) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while RJF is classified in Capital Markets.

Raymond James Financial (RJF) carries decades of public-market history since July 1, 1983, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the RJF 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

Both Chime Financial (CHYM) at 5.38% and Raymond James Financial (RJF) at 18.73% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Raymond James Financial (RJF) at 14.97% 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 Raymond James Financial (RJF) at 20.88% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Only one side can be read here: Chime Financial (CHYM) reports revenue growth of 30.69%, ranked against its industry; Raymond James Financial (RJF) has no revenue growth figure this period.

Only one side can be read here: Raymond James Financial (RJF) reports EPS growth of 15.63%, 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 Raymond James Financial (RJF) 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 Raymond James Financial (RJF) 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 Raymond James Financial (RJF) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Raymond James Financial (RJF) reports a payout of 18.48%, ranking against industry peers normally.

Dividend Metrics

Valuation

Raymond James Financial (RJF) at 13.67 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.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Raymond James Financial (RJF) at 1.98 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Raymond James Financial (RJF) at 2.46 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.

Valuation Metrics