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CHYM vs. V: Chime Financial vs. Visa Stock Comparison

How do Chime Financial (CHYM) and Visa (V) 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 Visa (V) 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.

Visa (V) has been public since March 19, 2008, giving it a longer listed trading history, while Chime Financial (CHYM) listed on June 12, 2025 and still has a shorter public-market record.

Company profile comparison for Chime Financial (CHYM) and Visa (V)
Profile ItemCHYMV
NameChime Financial Inc. Class AVisa Inc. Class A
Country/RegionUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryFinancial ServicesFinancial Services
GICS Sub-IndustryTransaction & Payment Processing ServicesTransaction & Payment Processing Services
Market Capitalization12.02 billion USD788.58 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateJune 12, 2025March 19, 2008
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CHYM
V
GSPC
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Chime Financial (CHYM) vs. Visa (V), 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 Visa (V). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
Total Return (1Y)63.03%27.50%
Total Return (3Y, Annualized)--21.55%
Total Return (5Y, Annualized)--15.65%

Risk Profile

Drawdown History

CHYM
V
GSPC
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Chime Financial (CHYM) vs. Visa (V), 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 Visa (V). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
Volatility (1Y, Annualized)61.33%22.99%
Beta (5Y)0.310.78
Max Drawdown (5Y)-55.70%-24.14%
Avg. Volume (3M)6.12M6.56M

Risk-Adjusted Performance

Risk-Return Positioning

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CHYM and V 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 Visa (V)
MetricCHYMV
Sharpe Ratio (1Y)0.961.01
Sortino Ratio (1Y)1.481.64

Profitability

ROE (TTM)

Visa (V) at 63.51% clears its industry range for ROE, a sharper capital-efficiency signal than Chime Financial (CHYM) at 5.38%, which is closer to a typical peer reading.

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%

V

Financial Services industry group

63.51%

V
63.51%
Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
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Chime Financial (CHYM) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

Visa (V) at 51.20% keeps a top-quartile share of each sales dollar as profit, while Chime Financial (CHYM) at 3.05% keeps 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%

V

Financial Services industry group

51.20%

Max
62.84%
V
51.20%
Q3
28.05%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Chime Financial (CHYM) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 63.73% operates in the top operating margin quartile, ahead of Chime Financial (CHYM) at 20.88%, which runs around its industry’s norm.

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%

V

Financial Services industry group

63.73%

Max
107.33%
V
63.73%
Q3
55.90%
Median
30.09%
Q1
14.60%
Min
-44.34%
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Chime Financial (CHYM) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
ROE (TTM)5.38%63.51%
ROA (TTM)14.73%19.61%
Net Margin (TTM)3.05%51.20%
Operating Margin (TTM)20.88%63.73%
Gross Margin (TTM)----

Growth

Revenue Growth

Chime Financial (CHYM) at 30.69% sits in the top revenue growth quartile, while Visa (V) at 14.76% is closer to the peer norm — faster top-line expansion for CHYM.

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

EPS Growth

Only one side can be read here: Visa (V) reports EPS growth of 20.78%, ranked against its industry; Chime Financial (CHYM) has no EPS growth figure this period.

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

Growth Metrics

Growth metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
Revenue Growth (YoY)30.69%14.76%
Revenue Growth (3Y CAGR)29.42%12.02%
EPS Growth (YoY)--20.78%
EPS Growth (3Y CAGR)--14.16%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Chime Financial (CHYM) in Financial Services and Visa (V) 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 Visa (V) 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 Visa (V)
MetricCHYMV
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Chime Financial (CHYM) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Visa (V) reports a yield of 0.66%, ranking against industry peers normally.

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%

V

Financial Services industry group

0.66%

Max
9.77%
Q3
3.92%
Median
1.09%
V
0.66%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. Visa (V): 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 Visa (V) reports a payout of 21.75%, 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%

V

Financial Services industry group

21.75%

Max
241.07%
Q3
97.36%
Median
25.77%
V
21.75%
Q1
0.00%
Min
0.00%
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Chime Financial (CHYM) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
Dividend Yield (TTM)0.00%0.66%
Dividend Payout Ratio (TTM)0.00%21.75%

Valuation

P/E Ratio (TTM)

Both Chime Financial (CHYM) at 27.48 and Visa (V) at 34.31 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

V

Financial Services industry group

34.31

Max
45.85
V
34.31
Q3
24.64
Median
15.37
Q1
9.68
Min
0.16
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Chime Financial (CHYM) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Chime Financial (CHYM) at 4.57 prices around its industry’s typical P/S ratio, while Visa (V) at 17.18 clears its benchmark range — V looks notably rich on sales.

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

V

Financial Services industry group

17.18

V
17.18
Max
9.23
Q3
4.57
Median
2.72
Q1
1.28
Min
-0.55
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Chime Financial (CHYM) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Chime Financial (CHYM) at 7.79 sits in the upper P/B ratio quartile, and Visa (V) at 22.05 prices even higher, above its industry range.

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

V

Financial Services industry group

22.05

V
22.05
Max
7.79
Q3
3.63
Median
1.57
Q1
0.81
Min
-0.39
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Chime Financial (CHYM) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Chime Financial (CHYM) and Visa (V)
MetricCHYMV
P/E Ratio (TTM)27.4834.31
P/S Ratio (TTM)4.5717.18
P/B Ratio (MRQ)7.7922.05
Free Cash Flow Yield (TTM)----