Chime Financial (CHYM) vs SoFi Technologies (SOFI)
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 SoFi Technologies (SOFI) over the past year, gaining 34.3% versus a loss of 44.3%. SoFi Technologies is the larger company by market cap ($19.82 billion vs $10.74 billion), about 1.8 times the size, while Chime Financial is growing revenue faster (+30.7% vs +23.1%). On valuation, Chime Financial trades at a lower forward P/E (17.6x vs 18.7x for SoFi Technologies).
SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | SOFI |
|---|---|---|
| Share price | $28.38 | $15.35 |
| Market cap | $10.74B | $19.82B |
| 1-day change | +1.59% | -1.99% |
| YTD return | +10.97% | -40.18% |
| 1-year return | +34.28% | -44.35% |
| 5-year return | — | -19.20% |
| P/E ratio (TTM) | 32.24 | 31.32 |
| Forward P/E | 17.62 | 18.65 |
| EPS (TTM) | $0.88 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $2.19B | $619.35M |
| Revenue growth (YoY) | +30.69% | +23.10% |
| Net income (latest FY) | $-1.01B | $481.32M |
| Gross margin | 87.97% | 1.67% |
| Operating margin | -47.56% | — |
| Net margin | -46.18% | 77.71% |
| 52-week high | $35.55 | $32.73 |
| 52-week low | $15.88 | $14.88 |
| Distance from 52-week high | -20.18% | -53.10% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +38.89% | +32.45% |
| Average volume | 7.42M | 56.74M |
| Shares outstanding | 347.02M | 1.29B |
| Employees | 1,519 | 6,100 |
| 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 SOFI by 78.6 percentage points over the past year.
- SoFi Technologies is more profitable, keeping 77.7 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 +23.10%).
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 SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
CHYM vs SOFI FAQ
Which is bigger, Chime Financial or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $19.82B compared with $10.74B for Chime Financial (CHYM).
Which stock has performed better over the past year, CHYM or SOFI?
CHYM returned +34.28% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or SOFI?
SOFI has the lower trailing P/E at 31.3, versus 32.2 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 SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.