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

Updated on August 22, 2025

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

Company Profile

CHYM is a standard domestic listing, while WF trades as an American Depositary Receipt (ADR), offering U.S. investors access to its foreign-listed shares.

Symbol	CHYM	WF
Company Name	Chime Financial, Inc.	Woori Financial Group Inc.
Country	United States	South Korea
GICS Sector	Financials	Financials
GICS Industry	Financial Services	Banks
Market Capitalization	11.15 billion USD	13.57 billion USD
Exchange	NasdaqGS	NYSE
Listing Date	June 12, 2025	October 1, 2003
Security Type	Common Stock	ADR

Historical Performance

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

Historical Performance at a Glance

Symbol	CHYM	WF
5-Day Price Return	-10.62%	-0.39%
13-Week Price Return	--	41.46%
26-Week Price Return	--	60.42%
52-Week Price Return	--	5.12%
Month-to-Date Return	-12.21%	2.23%
Year-to-Date Return	-18.59%	64.28%
10-Day Avg. Volume	2.58M	1.39M
3-Month Avg. Volume	4.14M	2.22M
3-Month Volatility	--	34.81%
Beta	2.18	1.00

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.

WF

8.53%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

WF’s Return on Equity of 8.53% is in the lower quartile for the Banks industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

CHYM vs. WF: A comparison of their Return on Equity (TTM) against their respective Financial Services and Banks industry benchmarks.

Net Profit Margin (TTM)

CHYM

2.49%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

Falling into the lower quartile for the Financial Services industry, CHYM’s Net Profit Margin of 2.49% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

WF

19.91%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, WF’s Net Profit Margin of 19.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

CHYM vs. WF: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and Banks industry benchmarks.

Operating Profit Margin (TTM)

CHYM

1.76%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

CHYM’s Operating Profit Margin of 1.76% is in the lower quartile for the Financial Services industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

WF

26.81%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

WF’s Operating Profit Margin of 26.81% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

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

Profitability at a Glance

Symbol	CHYM	WF
Return on Equity (TTM)	--	8.53%
Return on Assets (TTM)	--	0.55%
Net Profit Margin (TTM)	2.49%	19.91%
Operating Profit Margin (TTM)	1.76%	26.81%
Gross Profit Margin (TTM)	88.35%	--

Financial Strength

Current Ratio (MRQ)

CHYM

3.80

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.

WF

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

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

CHYM vs. WF: A comparison of their Current Ratio (MRQ) against their respective Financial Services and Banks 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.

WF

2.44

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

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

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

WF

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

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

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

Financial Strength at a Glance

Symbol	CHYM	WF
Current Ratio (MRQ)	3.80	--
Quick Ratio (MRQ)	3.56	--
Debt-to-Equity Ratio (MRQ)	0.00	2.44
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

CHYM vs. WF: 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. WF: 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.

WF

4.74%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

WF’s Dividend Yield of 4.74% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

CHYM vs. WF: A comparison of their Dividend Yield (TTM) against their respective Financial Services and Banks 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.

WF

38.83%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

WF’s Dividend Payout Ratio of 38.83% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

Symbol	CHYM	WF
Dividend Yield (TTM)	0.00%	4.74%
Dividend Payout Ratio (TTM)	0.00%	38.83%

Valuation

Price-to-Earnings Ratio (TTM)

CHYM

844.94

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

At 844.94, CHYM’s P/E Ratio is exceptionally high, exceeding the typical maximum for the Financial Services industry. This suggests the stock may be significantly overvalued compared to its peers and implies high market expectations that could be difficult to meet.

WF

6.43

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

In the lower quartile for the Banks industry, WF’s P/E Ratio of 6.43 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CHYM vs. WF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Sales Ratio (TTM)

CHYM

21.08

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.

WF

0.62

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

CHYM vs. WF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and Banks industry benchmarks.

Price-to-Book Ratio (MRQ)

CHYM

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

P/B Ratio data for CHYM is currently unavailable.

WF

0.36

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

WF’s P/B Ratio of 0.36 is in the lower quartile for the Banks industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

CHYM vs. WF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and Banks industry benchmarks.

Valuation at a Glance

Symbol	CHYM	WF
Price-to-Earnings Ratio (TTM)	844.94	6.43
Price-to-Sales Ratio (TTM)	21.08	0.62
Price-to-Book Ratio (MRQ)	--	0.36
Price-to-Free Cash Flow Ratio (TTM)	--	10.96