Chime Financial (CHYM) vs HubSpot (HUBS)
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 HubSpot (HUBS) over the past year, gaining 34.4% versus a loss of 50.9%. HubSpot is the larger company by market cap ($11.28 billion vs $10.57 billion), about 1.1 times the size, while Chime Financial is growing revenue faster (+30.7% vs +19.2%). On valuation, HubSpot trades at a lower forward P/E (13.1x vs 17.3x for Chime Financial).
HubSpot converts more of its revenue into profit, with a net margin of 1.5% 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 | CHYM | HUBS |
|---|---|---|
| Share price | $27.93 | $220.27 |
| Market cap | $10.57B | $11.28B |
| 1-day change | +1.01% | +1.46% |
| YTD return | +11.04% | -44.89% |
| 1-year return | +34.37% | -50.90% |
| 5-year return | — | -72.04% |
| P/E ratio (TTM) | 31.74 | 78.67 |
| Forward P/E | 17.35 | 13.08 |
| EPS (TTM) | $0.88 | $2.80 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.19B | $3.13B |
| Revenue growth (YoY) | +30.69% | +19.17% |
| Net income (latest FY) | $-1.01B | $45.91M |
| Gross margin | 87.97% | 83.76% |
| Operating margin | -47.56% | 0.24% |
| Net margin | -46.18% | 1.47% |
| 52-week high | $35.55 | $497.96 |
| 52-week low | $15.88 | $169.63 |
| Distance from 52-week high | -21.43% | -55.77% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +41.10% | +13.37% |
| Average volume | 7.43M | 1.76M |
| Shares outstanding | 347.02M | 51.19M |
| Employees | 1,519 | 9,016 |
| Sector | Technology | Technology |
| Industry | Software - Application | Software - Application |
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 HUBS by 85.3 percentage points over the past year.
- HubSpot trades at a higher earnings multiple (78.7x vs 31.7x trailing P/E).
- HubSpot is more profitable, keeping 1.5 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 +19.17%).
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.
Technology · Software - Application · 1,519 employees
About HubSpot
HUBS stock →HubSpot, Inc., together with its subsidiaries, provides a cloud-based customer relationship management (CRM) platform for businesses in the Americas, Europe, and the Asia Pacific. The company's CRM platform includes Marketing Hub, a toolset for marketing automation and email, social media, SEO, AEO, and reporting and analytics; Sales Hub offers email templates and tracking, conversations and live chat, meeting and call scheduling, lead and website visit alerts, lead scoring, sales automation, pipeline management, quoting, forecasting, and reporting; Service Hub, a service software designed to help businesses manage, respond, and connect with customers; and Content Hub that helps business with website pages, business blogging, video and podcast hosting, smart content, landing pages and forms, SEO recommendations, forms and lead flow, web analytics reporting, calls-to-action, and file manager.
Technology · Software - Application · 9,016 employees
CHYM vs HUBS FAQ
Which is bigger, Chime Financial or HubSpot?
HubSpot (HUBS) is larger, with a market capitalization of $11.28B compared with $10.57B for Chime Financial (CHYM).
Which stock has performed better over the past year, CHYM or HUBS?
CHYM returned +34.37% over the past 12 months, compared with -50.90% for HUBS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or HUBS?
CHYM has the lower trailing P/E at 31.7, versus 78.7 for HUBS. 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 HubSpot in the same industry?
Yes. Both are classified in the Software - Application industry within the Technology sector.