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

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

Company Profile

SymbolCHYMSCHW
Company NameChime Financial, Inc.The Charles Schwab Corporation
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesCapital Markets
Market Capitalization9.88 billion USD173.37 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025September 22, 1987
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolCHYMSCHW
5-Day Price Return-6.60%-2.32%
13-Week Price Return--7.04%
26-Week Price Return--17.09%
52-Week Price Return--45.64%
Month-to-Date Return-18.57%-2.27%
Year-to-Date Return-24.49%29.05%
10-Day Avg. Volume2.87M8.36M
3-Month Avg. Volume3.88M8.37M
3-Month Volatility--16.99%
Beta2.191.00

Profitability

Return on Equity (TTM)

CHYM

--

Financial Services Industry

Max
40.58%
Q3
20.06%
Median
10.67%
Q1
4.19%
Min
-10.31%

Return on Equity data for CHYM is currently unavailable.

SCHW

14.97%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

SCHW’s Return on Equity of 14.97% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

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

Net Profit Margin (TTM)

CHYM

-86.97%

Financial Services Industry

Max
52.86%
Q3
25.58%
Median
12.23%
Q1
6.64%
Min
-9.92%

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.

SCHW

27.31%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

SCHW’s Net Profit Margin of 27.31% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

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

Operating Profit Margin (TTM)

CHYM

-88.02%

Financial Services Industry

Max
77.28%
Q3
37.68%
Median
18.17%
Q1
9.27%
Min
-8.19%

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.

SCHW

35.27%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

SCHW’s Operating Profit Margin of 35.27% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCHYMSCHW
Return on Equity (TTM)--14.97%
Return on Assets (TTM)--1.56%
Net Profit Margin (TTM)-86.97%27.31%
Operating Profit Margin (TTM)-88.02%35.27%
Gross Profit Margin (TTM)87.82%81.09%

Financial Strength

Current Ratio (MRQ)

CHYM

4.83

Financial Services Industry

Max
4.58
Q3
2.59
Median
1.33
Q1
0.69
Min
0.01

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

SCHW

0.31

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

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

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

Debt-to-Equity Ratio (MRQ)

CHYM

0.00

Financial Services Industry

Max
4.96
Q3
2.10
Median
0.57
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.

SCHW

5.47

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

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

CHYM vs. SCHW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Capital Markets 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.

SCHW

17.24

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

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

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

Financial Strength at a Glance

SymbolCHYMSCHW
Current Ratio (MRQ)4.830.31
Quick Ratio (MRQ)4.620.31
Debt-to-Equity Ratio (MRQ)0.005.47
Interest Coverage Ratio (TTM)--17.24

Growth

Revenue Growth

CHYM vs. SCHW: 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. SCHW: 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
8.18%
Q3
3.60%
Median
1.56%
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.

SCHW

1.35%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

SCHW’s Dividend Yield of 1.35% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

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

Dividend Payout Ratio (TTM)

CHYM

0.00%

Financial Services Industry

Max
155.56%
Q3
63.71%
Median
18.08%
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.

SCHW

32.14%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

SCHW’s Dividend Payout Ratio of 32.14% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolCHYMSCHW
Dividend Yield (TTM)0.00%1.35%
Dividend Payout Ratio (TTM)0.00%32.14%

Valuation

Price-to-Earnings Ratio (TTM)

CHYM

--

Financial Services Industry

Max
63.23
Q3
32.10
Median
14.41
Q1
10.81
Min
0.37

P/E Ratio data for CHYM is currently unavailable.

SCHW

23.73

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

SCHW’s P/E Ratio of 23.73 is within the middle range for the Capital Markets 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. SCHW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

CHYM

9.43

Financial Services Industry

Max
11.16
Q3
5.45
Median
2.61
Q1
1.25
Min
0.04

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

SCHW

6.48

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

SCHW’s P/S Ratio of 6.48 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

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

Price-to-Book Ratio (MRQ)

CHYM

8.81

Financial Services Industry

Max
7.09
Q3
3.79
Median
1.46
Q1
0.83
Min
0.04

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.

SCHW

3.35

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

SCHW’s P/B Ratio of 3.35 is within the conventional range for the Capital Markets 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. SCHW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolCHYMSCHW
Price-to-Earnings Ratio (TTM)--23.73
Price-to-Sales Ratio (TTM)9.436.48
Price-to-Book Ratio (MRQ)8.813.35
Price-to-Free Cash Flow Ratio (TTM)--6.12