Bentley Systems (BSY) vs Chime Financial (CHYM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Chime Financial (CHYM) has outperformed Bentley Systems (BSY) over the past year, gaining 34.4% versus a loss of 33.1%. Bentley Systems is the larger company by market cap ($10.62 billion vs $10.57 billion), about 1.0 times the size, while Chime Financial is growing revenue faster (+30.7% vs +11.0%). On valuation, Chime Financial trades at a lower forward P/E (17.3x vs 22.3x for Bentley Systems).
Bentley Systems pays a dividend yielding 0.80%, while Chime Financial does not currently pay one. Bentley Systems converts more of its revenue into profit, with a net margin of 18.5% versus -46.2%.
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 | BSY | CHYM |
|---|---|---|
| Share price | $35.15 | $27.93 |
| Market cap | $10.62B | $10.57B |
| 1-day change | -2.28% | +1.01% |
| YTD return | -7.90% | +11.04% |
| 1-year return | -33.11% | +34.37% |
| 5-year return | -38.81% | — |
| P/E ratio (TTM) | 38.63 | 31.74 |
| Forward P/E | 22.26 | 17.35 |
| EPS (TTM) | $0.91 | $0.88 |
| Dividend yield | 0.80% | 0.00% |
| Annual dividend | $0.28 | $0.00 |
| Revenue (latest FY) | $1.50B | $2.19B |
| Revenue growth (YoY) | +10.99% | +30.69% |
| Net income (latest FY) | $277.86M | $-1.01B |
| Gross margin | 81.52% | 87.97% |
| Operating margin | 24.15% | -47.56% |
| Net margin | 18.50% | -46.18% |
| 52-week high | $53.33 | $35.55 |
| 52-week low | $28.08 | $15.88 |
| Distance from 52-week high | -34.09% | -21.43% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +24.98% | +41.10% |
| Average volume | 2.61M | 7.43M |
| Shares outstanding | 290.58M | 347.02M |
| Employees | 5,800 | 1,519 |
| Sector | Technology | Finance |
| Industry | Computer Software: Prepackaged Software | 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 BSY by 67.5 percentage points over the past year.
- Bentley Systems is more profitable, keeping 18.5 cents of every revenue dollar as net income versus -46.2 cents for Chime Financial.
- Chime Financial grew revenue faster in its latest fiscal year (+30.69% vs +10.99%).
- The two companies sit in different sectors: Bentley Systems in Technology and Chime Financial in Finance.
About Bentley Systems
BSY stock →Bentley Systems, Incorporated, together with its subsidiaries, provides infrastructure engineering software solutions in the Americas, Europe, the Middle East, Africa, and the Asia-Pacific. The company offers open modeling applications, such as MicroStation, OpenBridge, OpenBuildings, OpenFlows, OpenPlant, OpenRail, OpenRoads, OpenSite and OpenSite+, OpenTower, OpenTunnel, and OpenUtilities; and open simulation applications, including ADINA, AutoPIPE, LEGION, OpenPaths, Power Line Systems, RAM, SACS, SPIDA, and STAAD; and geoprofessional applications for modeling and simulation of near and deep subsurface conditions, including AGS, Central, GeoStudio, Imago, Leapfrog, MX Deposit, Oasis montaj, OpenGround, and PLAXIS.
Technology · Computer Software: Prepackaged Software · 5,800 employees
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
BSY vs CHYM FAQ
Which is bigger, Bentley Systems or Chime Financial?
Bentley Systems (BSY) is larger, with a market capitalization of $10.62B compared with $10.57B for Chime Financial (CHYM).
Which stock has performed better over the past year, BSY or CHYM?
CHYM returned +34.37% over the past 12 months, compared with -33.11% for BSY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BSY or CHYM?
CHYM has the lower trailing P/E at 31.7, versus 38.6 for BSY. 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, Bentley Systems or Chime Financial?
Bentley Systems pays a dividend yielding 0.80%, while Chime Financial does not currently pay a regular dividend.
Are Bentley Systems and Chime Financial in the same industry?
No. Bentley Systems is in the Technology sector, while Chime Financial is in Finance.