Chime Financial (CHYM) vs Klarna Group (KLAR)
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 Klarna Group (KLAR) over the past year, gaining 34.3% versus a loss of 67.9%. Chime Financial is the larger company by market cap ($10.57 billion vs $5.02 billion), about 2.1 times the size. On valuation, Klarna Group trades at a lower forward P/E (16.6x vs 17.3x for Chime Financial).
Klarna Group converts more of its revenue into profit, with a net margin of -7.8% 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 | KLAR |
|---|---|---|
| Share price | $27.93 | $13.25 |
| Market cap | $10.57B | $5.02B |
| 1-day change | +1.01% | 0.00% |
| YTD return | +10.97% | -54.17% |
| 1-year return | +34.28% | -67.95% |
| P/E ratio (TTM) | 31.38 | — |
| Forward P/E | 17.35 | 16.60 |
| EPS (TTM) | $0.89 | $-0.52 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.19B | $3.51B |
| Revenue growth (YoY) | +30.69% | +24.83% |
| Net income (latest FY) | $-1.01B | $-273.00M |
| Gross margin | 87.97% | — |
| Operating margin | -47.56% | -6.55% |
| Net margin | -46.18% | -7.78% |
| 52-week high | $35.55 | $44.75 |
| 52-week low | $15.88 | $12.06 |
| Distance from 52-week high | -21.43% | -70.39% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +41.10% | +47.47% |
| Average volume | 7.49M | 5.78M |
| Shares outstanding | 347.02M | 379.16M |
| Employees | 1,519 | 2,831 |
| 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
- Chime Financial is about 2.1 times larger than Klarna Group by market value ($10.57B vs $5.02B).
- CHYM has outperformed KLAR by 102.2 percentage points over the past year.
- Klarna Group is more profitable, keeping -7.8 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 +24.83%).
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 Klarna Group
KLAR stock →Klarna Group plc operates as a digital bank and flexible payments provider in the United Kingdom, the United States, Germany, Sweden, and internationally. The company offers payment solutions, such as pay in full solution that settles purchases at time of the transaction; pay later solution that enables customers to purchase goods and services at the time of the transaction and pay the full amount at a later date; and fair financing that allows consumers to pay for their purchase over a long duration.
Finance · Finance: Consumer Services · 2,831 employees
CHYM vs KLAR FAQ
Which is bigger, Chime Financial or Klarna Group?
Chime Financial (CHYM) is larger, with a market capitalization of $10.57B compared with $5.02B for Klarna Group (KLAR).
Which stock has performed better over the past year, CHYM or KLAR?
CHYM returned +34.28% over the past 12 months, compared with -67.95% for KLAR (price return, excluding dividends). Past performance does not predict future results.
Are Chime Financial and Klarna Group in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.