Chime Financial (CHYM) Competitors

Chime Financial logo
$16.67 -0.25 (-1.48%)
Closing price 04:00 PM Eastern
Extended Trading
$16.74 +0.06 (+0.39%)
As of 07:55 PM Eastern
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CHYM vs. SYF, AFRM, SOFI, IREN, and CRCL

Should you buy Chime Financial stock or one of its competitors? MarketBeat compares Chime Financial with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Chime Financial include Synchrony Financial (SYF), Affirm (AFRM), SoFi Technologies (SOFI), IREN (IREN), and Circle Internet Group (CRCL). These companies are all part of the "banking" industry.

How does Chime Financial compare to Synchrony Financial?

Chime Financial (NASDAQ:CHYM) and Synchrony Financial (NYSE:SYF) are both banking companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, earnings, media sentiment, valuation, analyst recommendations, risk, dividends and profitability.

Chime Financial currently has a consensus price target of $31.65, suggesting a potential upside of 89.86%. Synchrony Financial has a consensus price target of $86.05, suggesting a potential upside of 14.64%. Given Chime Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe Chime Financial is more favorable than Synchrony Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Chime Financial
1 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
4 Strong Buy rating(s)
2.91
Synchrony Financial
0 Sell rating(s)
8 Hold rating(s)
12 Buy rating(s)
1 Strong Buy rating(s)
2.67

96.5% of Synchrony Financial shares are owned by institutional investors. 12.3% of Chime Financial shares are owned by company insiders. Comparatively, 0.4% of Synchrony Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Synchrony Financial has higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Synchrony Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Chime Financial$2.19B2.90-$1.01B-$7.43N/A
Synchrony Financial$22.60B1.12$3.55B$9.677.76

In the previous week, Synchrony Financial had 6 more articles in the media than Chime Financial. MarketBeat recorded 11 mentions for Synchrony Financial and 5 mentions for Chime Financial. Synchrony Financial's average media sentiment score of 1.44 beat Chime Financial's score of 0.37 indicating that Synchrony Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Chime Financial
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Synchrony Financial
9 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Synchrony Financial has a net margin of 15.80% compared to Chime Financial's net margin of -41.87%. Synchrony Financial's return on equity of 23.41% beat Chime Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Chime Financial-41.87% -67.86% -49.84%
Synchrony Financial 15.80%23.41%3.05%

Summary

Synchrony Financial beats Chime Financial on 10 of the 16 factors compared between the two stocks.

How does Chime Financial compare to Affirm?

Affirm (NASDAQ:AFRM) and Chime Financial (NASDAQ:CHYM) are both banking companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, dividends, institutional ownership, risk, media sentiment, profitability, analyst recommendations and earnings.

Affirm has higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Affirm, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Affirm$3.24B7.41$52.19M$1.1065.30
Chime Financial$2.19B2.90-$1.01B-$7.43N/A

Affirm has a net margin of 9.63% compared to Chime Financial's net margin of -41.87%. Affirm's return on equity of 11.17% beat Chime Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Affirm9.63% 11.17% 3.14%
Chime Financial -41.87%-67.86%-49.84%

69.3% of Affirm shares are owned by institutional investors. 11.0% of Affirm shares are owned by insiders. Comparatively, 12.3% of Chime Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

In the previous week, Affirm had 3 more articles in the media than Chime Financial. MarketBeat recorded 8 mentions for Affirm and 5 mentions for Chime Financial. Affirm's average media sentiment score of 0.66 beat Chime Financial's score of 0.37 indicating that Affirm is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Affirm
3 Very Positive mention(s)
2 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Chime Financial
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Affirm currently has a consensus target price of $86.20, indicating a potential upside of 20.01%. Chime Financial has a consensus target price of $31.65, indicating a potential upside of 89.86%. Given Chime Financial's stronger consensus rating and higher probable upside, analysts clearly believe Chime Financial is more favorable than Affirm.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Affirm
0 Sell rating(s)
9 Hold rating(s)
19 Buy rating(s)
1 Strong Buy rating(s)
2.72
Chime Financial
1 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
4 Strong Buy rating(s)
2.91

Summary

Affirm beats Chime Financial on 12 of the 16 factors compared between the two stocks.

How does Chime Financial compare to SoFi Technologies?

SoFi Technologies (NASDAQ:SOFI) and Chime Financial (NASDAQ:CHYM) are both banking companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, media sentiment, risk, institutional ownership, valuation, dividends, earnings and analyst recommendations.

In the previous week, SoFi Technologies had 46 more articles in the media than Chime Financial. MarketBeat recorded 51 mentions for SoFi Technologies and 5 mentions for Chime Financial. SoFi Technologies' average media sentiment score of 0.72 beat Chime Financial's score of 0.37 indicating that SoFi Technologies is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
SoFi Technologies
23 Very Positive mention(s)
12 Positive mention(s)
10 Neutral mention(s)
3 Negative mention(s)
0 Very Negative mention(s)
Positive
Chime Financial
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

SoFi Technologies currently has a consensus price target of $22.56, suggesting a potential upside of 30.45%. Chime Financial has a consensus price target of $31.65, suggesting a potential upside of 89.86%. Given Chime Financial's stronger consensus rating and higher probable upside, analysts plainly believe Chime Financial is more favorable than SoFi Technologies.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
SoFi Technologies
3 Sell rating(s)
11 Hold rating(s)
7 Buy rating(s)
0 Strong Buy rating(s)
2.19
Chime Financial
1 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
4 Strong Buy rating(s)
2.91

SoFi Technologies has a net margin of 14.65% compared to Chime Financial's net margin of -41.87%. SoFi Technologies' return on equity of 6.25% beat Chime Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
SoFi Technologies14.65% 6.25% 1.21%
Chime Financial -41.87%-67.86%-49.84%

38.4% of SoFi Technologies shares are held by institutional investors. 2.5% of SoFi Technologies shares are held by insiders. Comparatively, 12.3% of Chime Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

SoFi Technologies has higher revenue and earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than SoFi Technologies, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
SoFi Technologies$3.61B6.14$481.32M$0.4439.30
Chime Financial$2.19B2.90-$1.01B-$7.43N/A

Summary

SoFi Technologies beats Chime Financial on 11 of the 16 factors compared between the two stocks.

How does Chime Financial compare to IREN?

IREN (NASDAQ:IREN) and Chime Financial (NASDAQ:CHYM) are both banking companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, valuation, media sentiment, dividends, profitability, analyst recommendations, institutional ownership and risk.

In the previous week, IREN had 12 more articles in the media than Chime Financial. MarketBeat recorded 17 mentions for IREN and 5 mentions for Chime Financial. IREN's average media sentiment score of 0.54 beat Chime Financial's score of 0.37 indicating that IREN is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
IREN
8 Very Positive mention(s)
1 Positive mention(s)
7 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Chime Financial
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

IREN has higher earnings, but lower revenue than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than IREN, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
IREN$501.02M39.03$86.94M$0.48114.00
Chime Financial$2.19B2.90-$1.01B-$7.43N/A

41.1% of IREN shares are held by institutional investors. 5.0% of IREN shares are held by insiders. Comparatively, 12.3% of Chime Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

IREN has a net margin of 20.90% compared to Chime Financial's net margin of -41.87%. IREN's return on equity of -13.13% beat Chime Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
IREN20.90% -13.13% -6.03%
Chime Financial -41.87%-67.86%-49.84%

IREN presently has a consensus target price of $82.36, indicating a potential upside of 50.51%. Chime Financial has a consensus target price of $31.65, indicating a potential upside of 89.86%. Given Chime Financial's stronger consensus rating and higher probable upside, analysts clearly believe Chime Financial is more favorable than IREN.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
IREN
1 Sell rating(s)
5 Hold rating(s)
14 Buy rating(s)
0 Strong Buy rating(s)
2.65
Chime Financial
1 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
4 Strong Buy rating(s)
2.91

Summary

IREN beats Chime Financial on 11 of the 16 factors compared between the two stocks.

How does Chime Financial compare to Circle Internet Group?

Circle Internet Group (NYSE:CRCL) and Chime Financial (NASDAQ:CHYM) are both banking companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, media sentiment, dividends, earnings and analyst recommendations.

Circle Internet Group has higher revenue and earnings than Chime Financial. Circle Internet Group is trading at a lower price-to-earnings ratio than Chime Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Circle Internet Group$2.75B6.82-$69.51M-$3.20N/A
Chime Financial$2.19B2.90-$1.01B-$7.43N/A

Circle Internet Group has a net margin of -2.76% compared to Chime Financial's net margin of -41.87%. Circle Internet Group's return on equity of 2.89% beat Chime Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Circle Internet Group-2.76% 2.89% 0.12%
Chime Financial -41.87%-67.86%-49.84%

In the previous week, Circle Internet Group and Circle Internet Group both had 5 articles in the media. Circle Internet Group's average media sentiment score of 0.78 beat Chime Financial's score of 0.37 indicating that Circle Internet Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Circle Internet Group
3 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Chime Financial
2 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Circle Internet Group presently has a consensus price target of $134.18, suggesting a potential upside of 78.05%. Chime Financial has a consensus price target of $31.65, suggesting a potential upside of 89.86%. Given Chime Financial's stronger consensus rating and higher possible upside, analysts plainly believe Chime Financial is more favorable than Circle Internet Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Circle Internet Group
3 Sell rating(s)
11 Hold rating(s)
10 Buy rating(s)
1 Strong Buy rating(s)
2.36
Chime Financial
1 Sell rating(s)
4 Hold rating(s)
13 Buy rating(s)
4 Strong Buy rating(s)
2.91

Summary

Circle Internet Group beats Chime Financial on 8 of the 13 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding CHYM and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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CHYM vs. The Competition

MetricChime FinancialFinancial Services IndustryFinancial SectorNASDAQ Exchange
Market Cap$6.45B$5.56B$6.07B$12.39B
Dividend YieldN/A0.07%5.27%5.83%
P/E Ratio-2.24N/A16.3123.97
Price / Sales2.90169.761,100.86109.59
Price / CashN/A42.6484.9854.51
Price / Book4.524.016.636.50
Net Income-$1.01B-$216.77M$1.13B$336.88M
7 Day Performance-2.23%-2.59%-0.41%-0.22%
1 Month Performance-6.35%-2.19%1.00%0.77%
1 Year Performance-43.99%-16.76%20.45%31.57%

Chime Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
CHYM
Chime Financial
4.0763 of 5 stars
$16.67
-1.5%
$31.65
+89.9%
-42.7%$6.45B$2.19BN/A1,519
SYF
Synchrony Financial
4.7621 of 5 stars
$75.23
+0.8%
$86.05
+14.4%
+21.4%$25.10B$22.60B7.7820,000
AFRM
Affirm
4.1346 of 5 stars
$74.69
+3.9%
$86.20
+15.4%
+16.3%$24.08B$3.24B67.902,206
SOFI
SoFi Technologies
4.3672 of 5 stars
$17.71
+3.4%
$22.56
+27.4%
+12.5%$21.97B$3.61B40.256,100
IREN
IREN
3.4583 of 5 stars
$59.18
-2.7%
$82.62
+39.6%
+443.2%$21.75B$501.02M123.29100

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This page (NASDAQ:CHYM) was last updated on 6/23/2026 by MarketBeat.com Staff.
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