CHYM vs. SOFI: Chime Financial vs. SoFi Stock Comparison
How do Chime Financial (CHYM) and SoFi (SOFI) 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 SoFi (SOFI) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while SOFI is classified in Consumer Finance.
| Profile Item | CHYM | SOFI |
|---|---|---|
| Name | Chime Financial Inc. Class A | SoFi Technologies, Inc. |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Financial Services | Consumer Finance |
| GICS Sub-Industry | Transaction & Payment Processing Services | Consumer Finance |
| Market Capitalization | 12.02 billion USD | 21.04 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | Nasdaq |
| Listing Date | June 12, 2025 | January 4, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| Total Return (1Y) | 63.03% | -40.42% |
| Total Return (3Y, Annualized) | -- | 34.88% |
| Total Return (5Y, Annualized) | -- | -5.36% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
SoFi (SOFI) has a highly aggressive beta of 2.22, indicating much higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — a wide gap in beta profiles.
| Metric | CHYM | SOFI |
|---|---|---|
| Volatility (1Y, Annualized) | 61.33% | 55.56% |
| Beta (5Y) | 0.31 | 2.22 |
| Max Drawdown (5Y) | -55.70% | -81.28% |
| Avg. Volume (3M) | 6.12M | 48.09M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| Sharpe Ratio (1Y) | 0.96 | -0.80 |
| Sortino Ratio (1Y) | 1.48 | -1.09 |
Profitability
ROE (TTM)
Both Chime Financial (CHYM) at 5.38% and SoFi (SOFI) at 7.35% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.
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%
SOFI
Financial Services industry group
7.35%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- SOFI
- 7.35%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
SoFi (SOFI) at 15.75% 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%
SOFI
Financial Services industry group
15.75%
- Max
- 62.84%
- Q3
- 28.05%
- SOFI
- 15.75%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Both Chime Financial (CHYM) at 20.88% and SoFi (SOFI) at 23.19% 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%
SOFI
Financial Services industry group
23.19%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- SOFI
- 23.19%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| ROE (TTM) | 5.38% | 7.35% |
| ROA (TTM) | 14.73% | 1.31% |
| Net Margin (TTM) | 3.05% | 15.75% |
| Operating Margin (TTM) | 20.88% | 23.19% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Chime Financial (CHYM) at 30.69% and SoFi (SOFI) at 38.32% sit in the top peer quartile for revenue growth, so each is growing its top line faster than typical industry peers.
EPS Growth
Only one side can be read here: SoFi (SOFI) reports EPS growth of 0.00%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.
Growth Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| Revenue Growth (YoY) | 30.69% | 38.32% |
| Revenue Growth (3Y CAGR) | 29.42% | 31.93% |
| EPS Growth (YoY) | -- | 0.00% |
| EPS Growth (3Y CAGR) | -- | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and SoFi (SOFI) 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 SoFi (SOFI) 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
| Metric | CHYM | SOFI |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Neither Chime Financial (CHYM) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
SOFI
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Neither Chime Financial (CHYM) nor SoFi (SOFI) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.
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%
SOFI
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SOFI
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Chime Financial (CHYM) at 27.48 and SoFi (SOFI) at 29.47 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.
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
SOFI
Financial Services industry group
29.47
- Max
- 45.85
- SOFI
- 29.47
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
On P/S ratio, both Chime Financial (CHYM) at 4.57 and SoFi (SOFI) at 4.49 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
SOFI
Financial Services industry group
4.49
- Max
- 9.23
- Q3
- 4.57
- SOFI
- 4.49
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
SoFi (SOFI) at 1.86 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
SOFI
Financial Services industry group
1.86
- Max
- 7.79
- Q3
- 3.63
- SOFI
- 1.86
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | CHYM | SOFI |
|---|---|---|
| P/E Ratio (TTM) | 27.48 | 29.47 |
| P/S Ratio (TTM) | 4.57 | 4.49 |
| P/B Ratio (MRQ) | 7.79 | 1.86 |
| Free Cash Flow Yield (TTM) | -- | -- |