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

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

Company Profile

SymbolCHYMRY
Company NameChime Financial, Inc.Royal Bank of Canada
CountryUnited StatesCanada
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesBanks
Market Capitalization7.82 billion USD207.36 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025October 16, 1995
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolCHYMRY
5-Day Price Return0.34%0.18%
13-Week Price Return-33.37%14.22%
26-Week Price Return--26.50%
52-Week Price Return--24.63%
Month-to-Date Return3.47%-0.03%
Year-to-Date Return-43.76%18.31%
10-Day Avg. Volume3.26M2.60M
3-Month Avg. Volume3.50M3.40M
3-Month Volatility56.98%13.40%
Beta2.540.04

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.

RY

14.50%

Banks Industry

Max
25.40%
Q3
15.55%
Median
12.00%
Q1
8.98%
Min
-0.10%

RY’s Return on Equity of 14.50% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

CHYM vs. RY: A comparison of their Return on Equity (TTM) against their respective Financial Services and Banks industry benchmarks.

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.

RY

26.26%

Banks Industry

Max
54.20%
Q3
35.73%
Median
28.97%
Q1
22.56%
Min
6.98%

RY’s Net Profit Margin of 26.26% is aligned with the median group of its peers in the Banks industry. This indicates its ability to convert revenue into profit is typical for the sector.

CHYM vs. RY: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

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.

RY

34.59%

Banks Industry

Max
63.35%
Q3
44.73%
Median
37.24%
Q1
28.25%
Min
12.28%

RY’s Operating Profit Margin of 34.59% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

CHYM vs. RY: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Profitability at a Glance

SymbolCHYMRY
Return on Equity (TTM)--14.50%
Return on Assets (TTM)--0.87%
Net Profit Margin (TTM)-86.97%26.26%
Operating Profit Margin (TTM)-88.02%34.59%
Gross Profit Margin (TTM)87.82%--

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.

RY

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CHYM vs. RY: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

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.

RY

2.41

Banks Industry

Max
5.78
Q3
2.66
Median
1.05
Q1
0.40
Min
0.00

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

CHYM vs. RY: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

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.

RY

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

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

CHYM vs. RY: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Financial Strength at a Glance

SymbolCHYMRY
Current Ratio (MRQ)4.83--
Quick Ratio (MRQ)4.62--
Debt-to-Equity Ratio (MRQ)0.002.41
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. RY: 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. RY: 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.

RY

2.99%

Banks Industry

Max
11.03%
Q3
6.00%
Median
3.87%
Q1
2.41%
Min
0.00%

RY’s Dividend Yield of 2.99% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CHYM vs. RY: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Banks industry benchmarks.

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.

RY

45.04%

Banks Industry

Max
134.24%
Q3
79.39%
Median
55.09%
Q1
36.09%
Min
0.00%

RY’s Dividend Payout Ratio of 45.04% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CHYM vs. RY: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Dividend at a Glance

SymbolCHYMRY
Dividend Yield (TTM)0.00%2.99%
Dividend Payout Ratio (TTM)0.00%45.04%

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.

RY

15.05

Banks Industry

Max
22.69
Q3
13.75
Median
10.32
Q1
7.73
Min
2.59

A P/E Ratio of 15.05 places RY in the upper quartile for the Banks industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CHYM vs. RY: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CHYM

7.47

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.

RY

3.00

Banks Industry

Max
4.90
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

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

CHYM vs. RY: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

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.

RY

1.85

Banks Industry

Max
2.09
Q3
1.40
Median
1.11
Q1
0.86
Min
0.29

RY’s P/B Ratio of 1.85 is in the upper tier for the Banks industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CHYM vs. RY: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Valuation at a Glance

SymbolCHYMRY
Price-to-Earnings Ratio (TTM)--15.05
Price-to-Sales Ratio (TTM)7.473.00
Price-to-Book Ratio (MRQ)8.811.85
Price-to-Free Cash Flow Ratio (TTM)--3.40