CHYM vs. TOST: Chime Financial vs. Toast Stock Comparison

Company Profile

Chime Financial (CHYM) and Toast (TOST) are both classified in the Transaction & Payment Processing Services sub-industry within the broader Financial Services industry, placing them in the closest GICS peer bucket.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Toast (TOST) has an aggressive beta of 1.66, 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

Toast (TOST) at 25.58% sits in the top ROE quartile, while Chime Financial (CHYM) at 5.38% is closer to the peer norm — stronger capital efficiency for TOST.

Toast (TOST) at 7.69% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Chime Financial (CHYM) at 20.88% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.

Profitability Metrics

Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Toast (TOST) at 24.05% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Toast (TOST) reports EPS growth of 1,766.67%, 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 Toast (TOST) 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 Toast (TOST) 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

Neither Chime Financial (CHYM) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Neither Chime Financial (CHYM) nor Toast (TOST) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

Dividend Metrics

Valuation

Both Chime Financial (CHYM) at 27.48 and Toast (TOST) at 38.10 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.

On P/S ratio, both Chime Financial (CHYM) at 4.57 and Toast (TOST) at 2.82 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Both look rich against book: Chime Financial (CHYM) at 7.79 sits in the upper P/B ratio quartile, and Toast (TOST) at 8.79 prices even higher, above its industry range.

Valuation Metrics