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

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

Company Profile

SymbolCHYMSYF
Company NameChime Financial, Inc.Synchrony Financial
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryFinancial ServicesConsumer Finance
Market Capitalization9.88 billion USD26.63 billion USD
ExchangeNasdaqGSNYSE
Listing DateJune 12, 2025July 31, 2014
Security TypeCommon StockCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolCHYMSYF
5-Day Price Return-6.60%-1.72%
13-Week Price Return--19.20%
26-Week Price Return--11.70%
52-Week Price Return--50.28%
Month-to-Date Return-18.57%2.74%
Year-to-Date Return-24.49%10.12%
10-Day Avg. Volume2.87M2.96M
3-Month Avg. Volume3.88M3.65M
3-Month Volatility--26.80%
Beta2.191.54

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.

SYF

19.89%

Consumer Finance Industry

Max
32.87%
Q3
20.39%
Median
14.14%
Q1
7.64%
Min
-10.63%

SYF’s Return on Equity of 19.89% is on par with the norm for the Consumer Finance industry, indicating its profitability relative to shareholder equity is typical for the sector.

CHYM vs. SYF: A comparison of their Return on Equity (TTM) against their respective Financial Services and Consumer Finance 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.

SYF

14.06%

Consumer Finance Industry

Max
19.68%
Q3
15.94%
Median
13.37%
Q1
9.73%
Min
3.66%

SYF’s Net Profit Margin of 14.06% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

CHYM vs. SYF: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Consumer Finance 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.

SYF

18.39%

Consumer Finance Industry

Max
50.11%
Q3
29.38%
Median
18.31%
Q1
14.26%
Min
-5.45%

SYF’s Operating Profit Margin of 18.39% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

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

Profitability at a Glance

SymbolCHYMSYF
Return on Equity (TTM)--19.89%
Return on Assets (TTM)--2.73%
Net Profit Margin (TTM)-86.97%14.06%
Operating Profit Margin (TTM)-88.02%18.39%
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.

SYF

--

Consumer Finance Industry

Max
5.34
Q3
4.21
Median
2.67
Q1
0.71
Min
0.20

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

CHYM vs. SYF: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Consumer Finance 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.

SYF

0.94

Consumer Finance Industry

Max
6.63
Q3
3.39
Median
2.21
Q1
0.94
Min
0.00

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

CHYM vs. SYF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and Consumer Finance 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.

SYF

--

Consumer Finance Industry

Max
49.63
Q3
39.33
Median
4.56
Q1
2.97
Min
-15.69

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

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

Financial Strength at a Glance

SymbolCHYMSYF
Current Ratio (MRQ)4.83--
Quick Ratio (MRQ)4.62--
Debt-to-Equity Ratio (MRQ)0.000.94
Interest Coverage Ratio (TTM)----

Growth

Revenue Growth

CHYM vs. SYF: 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. SYF: 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.

SYF

1.84%

Consumer Finance Industry

Max
8.31%
Q3
3.93%
Median
2.51%
Q1
0.84%
Min
0.00%

SYF’s Dividend Yield of 1.84% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

CHYM vs. SYF: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Consumer Finance 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.

SYF

14.94%

Consumer Finance Industry

Max
145.89%
Q3
88.53%
Median
23.79%
Q1
0.00%
Min
0.00%

SYF’s Dividend Payout Ratio of 14.94% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolCHYMSYF
Dividend Yield (TTM)0.00%1.84%
Dividend Payout Ratio (TTM)0.00%14.94%

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.

SYF

8.10

Consumer Finance Industry

Max
34.39
Q3
20.36
Median
13.05
Q1
9.29
Min
4.74

In the lower quartile for the Consumer Finance industry, SYF’s P/E Ratio of 8.10 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

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

SYF

0.73

Consumer Finance Industry

Max
4.28
Q3
2.67
Median
1.88
Q1
1.15
Min
0.55

In the lower quartile for the Consumer Finance industry, SYF’s P/S Ratio of 0.73 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

CHYM vs. SYF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Consumer Finance 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.

SYF

1.50

Consumer Finance Industry

Max
3.63
Q3
2.40
Median
1.96
Q1
1.16
Min
0.26

SYF’s P/B Ratio of 1.50 is within the conventional range for the Consumer Finance 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. SYF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Consumer Finance industry benchmarks.

Valuation at a Glance

SymbolCHYMSYF
Price-to-Earnings Ratio (TTM)--8.10
Price-to-Sales Ratio (TTM)9.430.73
Price-to-Book Ratio (MRQ)8.811.50
Price-to-Free Cash Flow Ratio (TTM)--2.70