Ares Capital (ARCC) vs Chime Financial (CHYM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Chime Financial (CHYM) has outperformed Ares Capital (ARCC) over the past year, gaining 34.3% versus a loss of 7.1%. Ares Capital is the larger company by market cap ($13.46 billion vs $10.96 billion), about 1.2 times the size. On valuation, Ares Capital trades at a lower forward P/E (9.7x vs 18.0x for Chime Financial).
Ares Capital pays a dividend yielding 10.25%, while Chime Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ARCC | CHYM |
|---|---|---|
| Share price | $18.74 | $28.96 |
| Market cap | $13.46B | $10.96B |
| 1-day change | +1.57% | +3.69% |
| YTD return | -8.80% | +10.97% |
| 1-year return | -7.10% | +34.28% |
| 5-year return | -12.31% | — |
| P/E ratio (TTM) | 13.99 | 32.91 |
| Forward P/E | 9.69 | 17.99 |
| EPS (TTM) | $1.34 | $0.88 |
| Dividend yield | 10.25% | 0.00% |
| Annual dividend | $1.92 | $0.00 |
| Revenue (latest FY) | — | $2.19B |
| Revenue growth (YoY) | — | +30.69% |
| Net income (latest FY) | $1.30B | $-1.01B |
| Gross margin | — | 87.97% |
| Operating margin | — | -47.56% |
| Net margin | — | -46.18% |
| 52-week high | $21.14 | $35.55 |
| 52-week low | $17.40 | $15.88 |
| Distance from 52-week high | -11.35% | -18.54% |
| Analyst consensus | none | strong_buy |
| Avg. price target upside | +10.83% | +36.08% |
| Average volume | 4.47M | 7.42M |
| Shares outstanding | 718.02M | 347.02M |
| Employees | — | 1,519 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CHYM has outperformed ARCC by 41.4 percentage points over the past year.
- Chime Financial trades at a higher earnings multiple (32.9x vs 14.0x trailing P/E).
- Ares Capital offers a meaningfully higher dividend yield (10.25% vs 0.00%).
About Ares Capital
ARCC stock →Ares Capital Corporation is a business development company specializing in growth capital, acquisition, recapitalization, mezzanine debt, restructurings, rescue financing, and leveraged buyout transactions of middle market companies. It also makes growth capital and general refinancing.
Finance · Finance: Consumer Services
About Chime Financial
CHYM stock →Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations.
Finance · Finance: Consumer Services · 1,519 employees
ARCC vs CHYM FAQ
Which is bigger, Ares Capital or Chime Financial?
Ares Capital (ARCC) is larger, with a market capitalization of $13.46B compared with $10.96B for Chime Financial (CHYM).
Which stock has performed better over the past year, ARCC or CHYM?
CHYM returned +34.28% over the past 12 months, compared with -7.10% for ARCC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ARCC or CHYM?
ARCC has the lower trailing P/E at 14.0, versus 32.9 for CHYM. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ares Capital or Chime Financial?
Ares Capital pays a dividend yielding 10.25%, while Chime Financial does not currently pay a regular dividend.
Are Ares Capital and Chime Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.