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CHYM vs. UBS: Chime Financial vs. UBS Stock Comparison

How do Chime Financial (CHYM) and UBS (UBS) 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 UBS (UBS) both fall under the Financial Services industry group, but CHYM is classified in Financial Services while UBS is classified in Capital Markets.

UBS (UBS) carries decades of public-market history since May 16, 2000, while Chime Financial (CHYM) listed on June 12, 2025 — long-window comparisons have far more historical data on the UBS side.

Company profile comparison for Chime Financial (CHYM) and UBS (UBS)
Profile ItemCHYMUBS
NameChime Financial Inc. Class AUBS Group AG
Country/RegionUnited StatesSwitzerland
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesCapital Markets
GICS Sub-IndustryTransaction & Payment Processing ServicesDiversified Capital Markets
Market Capitalization12.02 billion USD144.79 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJune 12, 2025May 16, 2000
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CHYM
UBS
GSPC
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Chime Financial (CHYM) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Chime Financial (CHYM) and UBS (UBS). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Chime Financial (CHYM) and UBS (UBS). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Total Return (1Y)63.03%30.78%
Total Return (3Y, Annualized)--29.39%
Total Return (5Y, Annualized)--25.00%

Risk Profile

Drawdown History

CHYM
UBS
GSPC
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Chime Financial (CHYM) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Chime Financial (CHYM) and UBS (UBS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Volatility (1Y, Annualized)61.33%27.78%
Beta (5Y)0.311.15
Max Drawdown (5Y)-55.70%-32.48%
Avg. Volume (3M)6.12M1.93M

Risk-Adjusted Performance

Risk-Return Positioning

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CHYM and UBS are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Sharpe Ratio (1Y)0.960.95
Sortino Ratio (1Y)1.481.44

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Chime Financial (CHYM) earns 5.38% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

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%

UBS

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
UBS
--
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Chime Financial (CHYM) vs. UBS (UBS): UBS does not report ROE, so it has no value marker; CHYM is benchmarked against the Financial Services industry group.

Net Margin (TTM)

UBS (UBS) at 18.18% 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%

UBS

Financial Services industry group

18.18%

Max
62.84%
Q3
28.05%
UBS
18.18%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Chime Financial (CHYM) at 20.88% and UBS (UBS) at 27.10% 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%

UBS

Financial Services industry group

27.10%

Max
107.33%
Q3
55.90%
Median
30.09%
UBS
27.10%
Q1
14.60%
Min
-44.34%
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
ROE (TTM)5.38%--
ROA (TTM)14.73%--
Net Margin (TTM)3.05%18.18%
Operating Margin (TTM)20.88%27.10%
Gross Margin (TTM)----

Growth

Revenue Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while UBS (UBS) at 4.30% is closer to the peer norm — faster top-line expansion for CHYM.

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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: UBS (UBS) reports EPS growth of 55.26%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Revenue Growth (YoY)30.69%4.30%
Revenue Growth (3Y CAGR)29.42%12.44%
EPS Growth (YoY)--55.26%
EPS Growth (3Y CAGR)--1.60%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and UBS (UBS) 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 UBS (UBS) 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

Financial strength metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Neither Chime Financial (CHYM) nor UBS (UBS) 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%

UBS

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
UBS
0.00%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Chime Financial (CHYM) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile UBS (UBS) reports a payout of 36.30%, ranking against industry peers normally.

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%

UBS

Financial Services industry group

36.30%

Max
241.07%
Q3
97.36%
UBS
36.30%
Median
25.77%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
Dividend Yield (TTM)0.00%0.00%
Dividend Payout Ratio (TTM)0.00%36.30%

Valuation

P/E Ratio (TTM)

UBS (UBS) at 15.77 is near its industry’s usual P/E ratio, while Chime Financial (CHYM) at 27.48 sits in the richer quartile — CHYM needs stronger growth or earnings quality to justify the premium.

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

UBS

Financial Services industry group

15.77

Max
45.85
Q3
24.64
UBS
15.77
Median
15.37
Q1
9.68
Min
0.16
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Chime Financial (CHYM) at 4.57 and UBS (UBS) at 2.71 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

UBS

Financial Services industry group

2.71

Max
9.23
Q3
4.57
Median
2.72
UBS
2.71
Q1
1.28
Min
-0.55
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

UBS (UBS) at 1.64 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

UBS

Financial Services industry group

1.64

Max
7.79
Q3
3.63
UBS
1.64
Median
1.57
Q1
0.81
Min
-0.39
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Chime Financial (CHYM) vs. UBS (UBS): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Chime Financial (CHYM) and UBS (UBS)
MetricCHYMUBS
P/E Ratio (TTM)27.4815.77
P/S Ratio (TTM)4.572.71
P/B Ratio (MRQ)7.791.64
Free Cash Flow Yield (TTM)----