CHYM vs. VIRT: Chime Financial vs. Virtu Financial Stock Comparison

Company Profile

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

Virtu Financial (VIRT) has been public since April 16, 2015, 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

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Virtu Financial (VIRT) at 57.03% 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.

Virtu Financial (VIRT) at 17.96% keeps about the industry-typical share of revenue as profit, while Chime Financial (CHYM) at 3.05% retains only a bottom-quartile share.

Both Chime Financial (CHYM) at 20.88% and Virtu Financial (VIRT) at 36.32% 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 Virtu Financial (VIRT) at 26.25% is closer to the peer norm — faster top-line expansion for CHYM.

Only one side can be read here: Virtu Financial (VIRT) reports EPS growth of 72.73%, 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 Virtu Financial (VIRT) 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 Virtu Financial (VIRT) 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 Virtu Financial (VIRT) reports a yield of 1.78%, 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 Virtu Financial (VIRT) reports a payout of 15.95%, ranking against industry peers normally.

Dividend Metrics

Valuation

Virtu Financial (VIRT) at 7.92 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 Virtu Financial (VIRT) at 3.35 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

Virtu Financial (VIRT) at 1.92 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