Chime Financial (CHYM) vs Synchrony Financial (SYF)
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 Synchrony Financial (SYF) over the past year, gaining 34.3% versus a gain of 1.5%. Synchrony Financial is the larger company by market cap ($23.40 billion vs $10.57 billion), about 2.2 times the size, while Chime Financial is growing revenue faster (+30.7% vs -2.8%). On valuation, Synchrony Financial trades at a lower forward P/E (6.9x vs 17.3x for Chime Financial).
Synchrony Financial pays a dividend yielding 1.67%, while Chime Financial does not currently pay one. Synchrony Financial converts more of its revenue into profit, with a net margin of 18.7% 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 | SYF |
|---|---|---|
| Share price | $27.93 | $71.93 |
| Market cap | $10.57B | $23.40B |
| 1-day change | +1.01% | -0.32% |
| YTD return | +10.97% | -13.78% |
| 1-year return | +34.28% | +1.45% |
| 5-year return | — | +43.34% |
| P/E ratio (TTM) | 31.38 | 7.39 |
| Forward P/E | 17.35 | 6.87 |
| EPS (TTM) | $0.89 | $9.74 |
| Dividend yield | 0.00% | 1.67% |
| Annual dividend | $0.00 | $1.20 |
| Revenue (latest FY) | $2.19B | $18.99B |
| Revenue growth (YoY) | +30.69% | -2.80% |
| Net income (latest FY) | $-1.01B | $3.55B |
| Gross margin | 87.97% | — |
| Operating margin | -47.56% | — |
| Net margin | -46.18% | 18.71% |
| 52-week high | $35.55 | $88.77 |
| 52-week low | $15.88 | $63.08 |
| Distance from 52-week high | -21.43% | -18.97% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +41.10% | +23.01% |
| Average volume | 7.49M | 3.30M |
| Shares outstanding | 347.02M | 325.37M |
| Employees | 1,519 | 20,000 |
| 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
- Synchrony Financial is about 2.2 times larger than Chime Financial by market value ($23.40B vs $10.57B).
- CHYM has outperformed SYF by 32.8 percentage points over the past year.
- Chime Financial trades at a higher earnings multiple (31.4x vs 7.4x trailing P/E).
- Synchrony Financial offers a meaningfully higher dividend yield (1.67% vs 0.00%).
- Synchrony Financial is more profitable, keeping 18.7 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 -2.80%).
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 Synchrony Financial
SYF stock →Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. The company provides credit products, such as credit cards, commercial credit products, and consumer installment loans.
Finance · Finance: Consumer Services · 20,000 employees
CHYM vs SYF FAQ
Which is bigger, Chime Financial or Synchrony Financial?
Synchrony Financial (SYF) is larger, with a market capitalization of $23.40B compared with $10.57B for Chime Financial (CHYM).
Which stock has performed better over the past year, CHYM or SYF?
CHYM returned +34.28% over the past 12 months, compared with +1.45% for SYF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CHYM or SYF?
SYF has the lower trailing P/E at 7.4, 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 Synchrony Financial?
Synchrony Financial pays a dividend yielding 1.67%, while Chime Financial does not currently pay a regular dividend.
Are Chime Financial and Synchrony Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.