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

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

Company Profile

CHYM is a standard domestic listing, while SHG trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

SymbolCHYMSHG
Company NameChime Financial, Inc.Shinhan Financial Group Co., Ltd.
CountryUnited StatesSouth Korea
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesBanks
Market Capitalization10.30 billion USD23.20 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025September 17, 2003
Security TypeCommon StockADR

Historical Performance

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

Historical Performance at a Glance

SymbolCHYMSHG
5-Day Price Return-7.78%-1.04%
13-Week Price Return--23.29%
26-Week Price Return--37.95%
52-Week Price Return--1.10%
Month-to-Date Return-19.44%-1.91%
Year-to-Date Return-25.30%39.98%
10-Day Avg. Volume2.44M1.20M
3-Month Avg. Volume3.80M1.39M
3-Month Volatility--35.75%
Beta2.260.80

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.

SHG

8.39%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

SHG’s Return on Equity of 8.39% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CHYM vs. SHG: 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
52.86%
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.

SHG

18.67%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, SHG’s Net Profit Margin of 18.67% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CHYM vs. SHG: 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
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.

SHG

24.63%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

SHG’s Operating Profit Margin of 24.63% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

SymbolCHYMSHG
Return on Equity (TTM)--8.39%
Return on Assets (TTM)--0.64%
Net Profit Margin (TTM)-86.97%18.67%
Operating Profit Margin (TTM)-88.02%24.63%
Gross Profit Margin (TTM)87.82%--

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.

SHG

--

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. SHG: 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
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.

SHG

2.66

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

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

CHYM vs. SHG: 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.

SHG

--

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

Financial Strength at a Glance

SymbolCHYMSHG
Current Ratio (MRQ)4.83--
Quick Ratio (MRQ)4.62--
Debt-to-Equity Ratio (MRQ)0.002.66
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. SHG: 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. SHG: 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.

SHG

4.02%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

SHG’s Dividend Yield of 4.02% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CHYM vs. SHG: 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
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.

SHG

27.06%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

SHG’s Dividend Payout Ratio of 27.06% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

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

Dividend at a Glance

SymbolCHYMSHG
Dividend Yield (TTM)0.00%4.02%
Dividend Payout Ratio (TTM)0.00%27.06%

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.

SHG

6.74

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

In the lower quartile for the Banks industry, SHG’s P/E Ratio of 6.74 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

SHG

0.83

Banks Industry

Max
5.06
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. SHG: 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
7.09
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.

SHG

0.53

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

SHG’s P/B Ratio of 0.53 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

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

Valuation at a Glance

SymbolCHYMSHG
Price-to-Earnings Ratio (TTM)--6.74
Price-to-Sales Ratio (TTM)9.430.83
Price-to-Book Ratio (MRQ)8.810.53
Price-to-Free Cash Flow Ratio (TTM)--2.41