CHYM vs. SYF: Chime Financial vs. Synchrony Financial Stock Comparison

Company Profile

Chime Financial (CHYM) and Synchrony Financial (SYF) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while SYF is classified in Consumer Finance.

Synchrony Financial (SYF) has been public since July 31, 2014, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Synchrony Financial (SYF) has an aggressive beta of 1.40, indicating higher sensitivity to broad-market moves, while Chime Financial (CHYM) is defensive at 0.31 and tends to be less market-sensitive — they sit on opposite ends of the beta spectrum.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Chime Financial (CHYM) at 5.38% and Synchrony Financial (SYF) at 19.83% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

Synchrony Financial (SYF) at 34.07% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and Synchrony Financial (SYF) at 49.84% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Synchrony Financial (SYF) at -0.50% is in the bottom quartile, showing a clear gap in revenue momentum.

Only one side can be read here: Synchrony Financial (SYF) reports EPS growth of 8.54%, 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 Synchrony Financial (SYF) 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 Synchrony Financial (SYF) 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

Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a yield of 1.67%, ranking against industry peers normally.

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Synchrony Financial (SYF) reports a payout of 12.94%, ranking against industry peers normally.

Dividend Metrics

Valuation

Synchrony Financial (SYF) at 7.70 sits in the cheaper P/E ratio quartile, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Synchrony Financial (SYF) at 2.45 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Synchrony Financial (SYF) at 1.55 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