Chime Financial (CHYM) vs OneMain (OMF)
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 OneMain (OMF) over the past year, gaining 34.3% versus a gain of 2.1%. Chime Financial is the larger company by market cap ($10.57 billion vs $6.45 billion), about 1.6 times the size. On valuation, OneMain trades at a lower forward P/E (6.6x vs 17.3x for Chime Financial).
OneMain pays a dividend yielding 7.47%, while Chime Financial does not currently pay one. OneMain converts more of its revenue into profit, with a net margin of 16.0% 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 | OMF |
|---|---|---|
| Share price | $27.93 | $56.07 |
| Market cap | $10.57B | $6.45B |
| 1-day change | +1.01% | -0.20% |
| YTD return | +10.97% | -16.99% |
| 1-year return | +34.28% | +2.15% |
| 5-year return | — | -5.08% |
| P/E ratio (TTM) | 31.38 | 8.46 |
| Forward P/E | 17.35 | 6.57 |
| EPS (TTM) | $0.89 | $6.63 |
| Dividend yield | 0.00% | 7.47% |
| Annual dividend | $0.00 | $4.19 |
| Revenue (latest FY) | $2.19B | $4.90B |
| Revenue growth (YoY) | +30.69% | +8.88% |
| Net income (latest FY) | $-1.01B | $783.00M |
| Gross margin | 87.97% | — |
| Operating margin | -47.56% | — |
| Net margin | -46.18% | 15.97% |
| 52-week high | $35.55 | $71.93 |
| 52-week low | $15.88 | $45.78 |
| Distance from 52-week high | -21.43% | -22.05% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +41.10% | +22.17% |
| Average volume | 7.49M | 959.23K |
| Shares outstanding | 347.02M | 115.04M |
| Employees | 1,519 | 9,300 |
| 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 OMF by 32.1 percentage points over the past year.
- Chime Financial trades at a higher earnings multiple (31.4x vs 8.5x trailing P/E).
- OneMain offers a meaningfully higher dividend yield (7.47% vs 0.00%).
- OneMain is more profitable, keeping 16.0 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 +8.88%).
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 OneMain
OMF stock →OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance.
Finance · Finance: Consumer Services · 9,300 employees
CHYM vs OMF FAQ
Which is bigger, Chime Financial or OneMain?
Chime Financial (CHYM) is larger, with a market capitalization of $10.57B compared with $6.45B for OneMain (OMF).
Which stock has performed better over the past year, CHYM or OMF?
CHYM returned +34.28% over the past 12 months, compared with +2.15% for OMF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or OMF?
OMF has the lower trailing P/E at 8.5, versus 31.4 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, Chime Financial or OneMain?
OneMain pays a dividend yielding 7.47%, while Chime Financial does not currently pay a regular dividend.
Are Chime Financial and OneMain in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.