Chime Financial (CHYM) vs Paycom Software (PAYC)
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 Paycom Software (PAYC) over the past year, gaining 34.4% versus a gain of 10.8%. Chime Financial is the larger company by market cap ($10.57 billion vs $10.08 billion), about 1.0 times the size. On valuation, Paycom Software trades at a lower forward P/E (16.0x vs 17.3x for Chime Financial).
Paycom Software pays a dividend yielding 0.67%, while Chime Financial does not currently pay one. Paycom Software converts more of its revenue into profit, with a net margin of 22.1% 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 | PAYC |
|---|---|---|
| Share price | $27.93 | $223.58 |
| Market cap | $10.57B | $10.08B |
| 1-day change | +1.01% | +0.51% |
| YTD return | +11.04% | +41.62% |
| 1-year return | +34.37% | +10.78% |
| 5-year return | — | -56.50% |
| P/E ratio (TTM) | 31.74 | 23.66 |
| Forward P/E | 17.35 | 16.01 |
| EPS (TTM) | $0.88 | $9.45 |
| Dividend yield | 0.00% | 0.67% |
| Annual dividend | $0.00 | $1.50 |
| Revenue (latest FY) | $2.19B | $2.05B |
| Revenue growth (YoY) | +30.69% | +8.95% |
| Net income (latest FY) | $-1.01B | $453.40M |
| Gross margin | 87.97% | 83.17% |
| Operating margin | -47.56% | 27.65% |
| Net margin | -46.18% | 22.10% |
| 52-week high | $35.55 | $244.98 |
| 52-week low | $15.88 | $104.90 |
| Distance from 52-week high | -21.43% | -8.74% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +41.10% | -1.49% |
| Average volume | 7.43M | 794.48K |
| Shares outstanding | 347.02M | 45.07M |
| Employees | 1,519 | 5,770 |
| Sector | Finance | Technology |
| Industry | Finance: Consumer Services | Computer Software: Prepackaged Software |
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 PAYC by 23.6 percentage points over the past year.
- Chime Financial trades at a higher earnings multiple (31.7x vs 23.7x trailing P/E).
- Paycom Software is more profitable, keeping 22.1 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 +8.95%).
- The two companies sit in different sectors: Chime Financial in Finance and Paycom Software in Technology.
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 Paycom Software
PAYC stock →Paycom Software, Inc. provides cloud-based human capital management (HCM) solution delivered as software-as-a-service for small to mid-sized companies in the United States.
Technology · Computer Software: Prepackaged Software · 5,770 employees
CHYM vs PAYC FAQ
Which is bigger, Chime Financial or Paycom Software?
Chime Financial (CHYM) is larger, with a market capitalization of $10.57B compared with $10.08B for Paycom Software (PAYC).
Which stock has performed better over the past year, CHYM or PAYC?
CHYM returned +34.37% over the past 12 months, compared with +10.78% for PAYC (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or PAYC?
PAYC has the lower trailing P/E at 23.7, versus 31.7 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 Paycom Software?
Paycom Software pays a dividend yielding 0.67%, while Chime Financial does not currently pay a regular dividend.
Are Chime Financial and Paycom Software in the same industry?
No. Chime Financial is in the Finance sector, while Paycom Software is in Technology.