Chime Financial (CHYM) vs Figure Technology Solutions (FIGR)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Chime Financial (CHYM) has outperformed Figure Technology Solutions (FIGR) over the past year, gaining 35.6% versus a loss of 43.9%. Chime Financial is the larger company by market cap ($10.96 billion vs $6.19 billion), about 1.8 times the size, while Figure Technology Solutions is growing revenue faster (+48.7% vs +30.7%). On valuation, Figure Technology Solutions trades at a lower forward P/E (14.6x vs 18.0x for Chime Financial).
Figure Technology Solutions converts more of its revenue into profit, with a net margin of 26.4% 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 | CHYM | FIGR |
|---|---|---|
| Share price | $28.96 | $27.60 |
| Market cap | $10.96B | $6.19B |
| 1-day change | +3.69% | -0.29% |
| YTD return | +15.06% | -32.42% |
| 1-year return | +35.64% | -43.87% |
| P/E ratio (TTM) | 32.91 | 29.68 |
| Forward P/E | 17.99 | 14.60 |
| EPS (TTM) | $0.88 | $0.93 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.19B | $506.87M |
| Revenue growth (YoY) | +30.69% | +48.69% |
| Net income (latest FY) | $-1.01B | $133.86M |
| Gross margin | 87.97% | — |
| Operating margin | -47.56% | 23.19% |
| Net margin | -46.18% | 26.41% |
| 52-week high | $35.55 | $78.00 |
| 52-week low | $15.88 | $24.11 |
| Distance from 52-week high | -18.54% | -64.62% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +36.08% | +92.03% |
| Average volume | 7.44M | 4.20M |
| Shares outstanding | 347.02M | 185.67M |
| Employees | 1,519 | 602 |
| Sector | Finance | Financial Services |
| Industry | Finance: Consumer Services | Capital Markets |
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 FIGR by 79.5 percentage points over the past year.
- Figure Technology Solutions is more profitable, keeping 26.4 cents of every revenue dollar as net income versus -46.2 cents for Chime Financial.
- Figure Technology Solutions grew revenue faster in its latest fiscal year (+48.69% vs +30.69%).
- The two companies sit in different sectors: Chime Financial in Finance and Figure Technology Solutions in Financial 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
About Figure Technology Solutions
FIGR stock →Figure Technology Solutions, Inc., a financial technology company, provides blockchain-based products and solutions in the United States. The company offers a suite of blockchain-based solutions for its marketplaces, including lending, trading, and investing activities in areas, such as consumer credit and digital assets.
Financial Services · Capital Markets · 602 employees
CHYM vs FIGR FAQ
Which is bigger, Chime Financial or Figure Technology Solutions?
Chime Financial (CHYM) is larger, with a market capitalization of $10.96B compared with $6.19B for Figure Technology Solutions (FIGR).
Which stock has performed better over the past year, CHYM or FIGR?
CHYM returned +35.64% over the past 12 months, compared with -43.87% for FIGR (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or FIGR?
FIGR has the lower trailing P/E at 29.7, 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.
Are Chime Financial and Figure Technology Solutions in the same industry?
No. Chime Financial is in the Finance sector, while Figure Technology Solutions is in Financial Services.