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Valuation, margins, and growth side by side.

Compare $CHYM vs $CPAY | Chartloom

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$CHYM vs $CPAY

Chime Financial Inc · Corpay Inc

CHYM

Chime Financial Inc

CPAY

Corpay Inc

Compare $CHYM vs $CPAY

Comparing Chime Financial Inc and Corpay Inc

CHYMChime Financial Inc

CPAYCorpay Inc

CHYMChime Financial Inc

Market cap

$11.39B

P/E (TTM)

—

Forward P/E (NTM)

42.52x

Forward P/S (NTM)

3.66x

Rev growth (TTM)

134.7%

YTD performance

13.3%

52W performance

52.8%

FCF yield

2.7%

CPAYCorpay Inc

Market cap

$26.09B

P/E (TTM)

23.20x

Forward P/E (NTM)

13.49x

Forward P/S (NTM)

4.64x

Rev growth (TTM)

20.4%

YTD performance

32.8%

52W performance

42.5%

FCF yield

6.3%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

CHYM

CPAY

Detailed metrics comparison

CHYM

Chime Financial Inc

CPAY

Corpay Inc

Market Cap

CHYM$11.39B

CPAY$26.09B

Enterprise Value

CHYM$10.86B

CPAY$33.55B

Price

CHYM$29.90

CPAY$399.10

P/E Ratio

CHYMN/A

CPAY23.20x

P/S Ratio

CHYM4.64x

CPAY5.20x

EV/Sales

CHYM4.42x

CPAY6.68x

EV/EBITDA

CHYM0.00x

CPAY13.56x

P/B Ratio

CHYM8.11x

CPAY7.38x

P/FCF Ratio

CHYM36.88x

CPAY15.92x

EV/FCF

CHYM35.15x

CPAY20.47x

PEG Ratio

CHYMN/A

CPAY2.07x

Forward P/E (NTM)

CHYM42.52x

CPAY13.49x

Forward P/S (NTM)

CHYM3.66x

CPAY4.64x

Revenue (TTM)

CHYM$2.46B

CPAY$5.02B

Revenue Growth (YoY)

CHYM134.7%

CPAY20.4%

Forward Rev Growth

CHYM20.6%

CPAY8.7%

Gross Margin (TTM)

CHYM88.7%

CPAY79.0%

Operating Margin (TTM)

CHYM0.0%

CPAY43.6%

EBITDA Margin (TTM)

CHYM-0.8%

CPAY49.3%

Net Margin (TTM)

CHYM-0.7%

CPAY22.7%

FCF Margin (TTM)

CHYM12.6%

CPAY32.6%

Net Income (TTM)

CHYM$-18M

CPAY$1.14B

FCF (TTM)

CHYM$309M

CPAY$1.64B

EPS (TTM)

CHYM-$0.05

CPAY$17.20

ROE (TTM)

CHYM-128.0%

CPAY30.4%

ROA (TTM)

CHYM-92.0%

CPAY4.5%

ROIC (TTM)

CHYM-128.0%

CPAY8.4%

Cash

CHYM$536M

CPAY$3.16B

Debt

CHYM$0

CPAY$10.62B

Net Cash/Debt

CHYM$536M

CPAY$-7.46B

Current Ratio (TTM)

CHYM4.62x

CPAY0.97x

Quick Ratio (TTM)

CHYM4.44x

CPAY0.89x

Debt/Equity (TTM)

CHYM0.00x

CPAY3.00x

Debt/Assets (TTM)

CHYM0.0%

CPAY0.0%

Interest Coverage (TTM)

CHYMN/A

CPAYN/A

Net Debt/EBITDA (TTM)

CHYM0.00x

CPAY0.00x

Beta

CHYM2.06

CPAY0.95

52W Performance

CHYM52.8%

CPAY42.5%

YTD Performance

CHYM13.3%

CPAY32.8%

% from 52W High

CHYM-15.9%

CPAY-6.6%

% from 52W Low

CHYM88.3%

CPAY57.8%

Asset Turnover (TTM)

CHYM1.25x

CPAY0.20x

FCF Yield (TTM)

CHYM2.7%

CPAY6.3%

Earnings Yield (TTM)

CHYM-0.2%

CPAY4.4%

Dividend Yield (TTM)

CHYMN/A

CPAYN/A

Rule of 40

CHYM147.3

CPAY53.0

EV/GP/RG

CHYM0.18

CPAY0.70

Ticker research

View CHYM research View CPAY research

Metric	CHYM Chime Financial Inc	CPAY Corpay Inc
Market & Valuation
Market Cap	$11.39B	$26.09B
Enterprise Value	$10.86B	$33.55B
Price	$29.90	$399.10
P/E Ratio	N/A	23.20x
P/S Ratio	4.64x	5.20x
EV/Sales	4.42x	6.68x
EV/EBITDA	0.00x	13.56x
P/B Ratio	8.11x	7.38x
P/FCF Ratio	36.88x	15.92x
EV/FCF	35.15x	20.47x
PEG Ratio	N/A	2.07x
Forward P/E (NTM)	42.52x	13.49x
Forward P/S (NTM)	3.66x	4.64x
Revenue & Growth
Revenue (TTM)	$2.46B	$5.02B
Revenue Growth (YoY)	134.7%	20.4%
Forward Rev Growth	20.6%	8.7%
Profitability
Gross Margin (TTM)	88.7%	79.0%
Operating Margin (TTM)	0.0%	43.6%
EBITDA Margin (TTM)	-0.8%	49.3%
Net Margin (TTM)	-0.7%	22.7%
FCF Margin (TTM)	12.6%	32.6%
Net Income (TTM)	$-18M	$1.14B
FCF (TTM)	$309M	$1.64B
EPS (TTM)	-$0.05	$17.20
ROE (TTM)	-128.0%	30.4%
ROA (TTM)	-92.0%	4.5%
ROIC (TTM)	-128.0%	8.4%
Financial Health
Cash	$536M	$3.16B
Debt	$0	$10.62B
Net Cash/Debt	$536M	$-7.46B
Current Ratio (TTM)	4.62x	0.97x
Quick Ratio (TTM)	4.44x	0.89x
Debt/Equity (TTM)	0.00x	3.00x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	2.06	0.95
52W Performance	52.8%	42.5%
YTD Performance	13.3%	32.8%
% from 52W High	-15.9%	-6.6%
% from 52W Low	88.3%	57.8%
Efficiency & Yields
Asset Turnover (TTM)	1.25x	0.20x
FCF Yield (TTM)	2.7%	6.3%
Earnings Yield (TTM)	-0.2%	4.4%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	147.3	53.0
EV/GP/RG	0.18	0.70
Ticker research	View CHYM research	View CPAY research

Valuation

P/E Ratio

CPAY

23.20x

P/S Ratio

CHYM

4.64x

CPAY

5.20x

EV/FCF

CPAY

20.47x

CHYM

35.15x

Growth & revenue

Revenue Growth TTM

CHYM

134.7%

CPAY

20.4%

Forward Revenue Growth

CHYM

20.6%

CPAY

8.7%

Profitability & performance

Gross Margin

CHYM

88.7%

CPAY

79.0%

ROE

CPAY

30.4%

CHYM

-128.0%

FCF Yield %

CPAY

6.3%

CHYM

2.7%

52-Week Performance

CHYM

52.8%

CPAY

42.5%

Detailed metrics comparison

CHYM

Chime Financial Inc

CPAY

Corpay Inc

Market Cap

CHYM$11.39B

CPAY$26.09B

Enterprise Value

CHYM$10.86B

CPAY$33.55B

Price

CHYM$29.90

CPAY$399.10

P/E Ratio

CHYMN/A

CPAY23.20x

P/S Ratio

CHYM4.64x

CPAY5.20x

EV/Sales

CHYM4.42x

CPAY6.68x

EV/EBITDA

CHYM0.00x

CPAY13.56x

P/B Ratio

CHYM8.11x

CPAY7.38x

P/FCF Ratio

CHYM36.88x

CPAY15.92x

EV/FCF

CHYM35.15x

CPAY20.47x

PEG Ratio

CHYMN/A

CPAY2.07x

Forward P/E (NTM)

CHYM42.52x

CPAY13.49x

Forward P/S (NTM)

CHYM3.66x

CPAY4.64x

Revenue (TTM)

CHYM$2.46B

CPAY$5.02B

Revenue Growth (YoY)

CHYM134.7%

CPAY20.4%

Forward Rev Growth

CHYM20.6%

CPAY8.7%

Gross Margin (TTM)

CHYM88.7%

CPAY79.0%

Operating Margin (TTM)

CHYM0.0%

CPAY43.6%

EBITDA Margin (TTM)

CHYM-0.8%

CPAY49.3%

Net Margin (TTM)

CHYM-0.7%

CPAY22.7%

FCF Margin (TTM)

CHYM12.6%

CPAY32.6%

Net Income (TTM)

CHYM$-18M

CPAY$1.14B

FCF (TTM)

CHYM$309M

CPAY$1.64B

EPS (TTM)

CHYM-$0.05

CPAY$17.20

ROE (TTM)

CHYM-128.0%

CPAY30.4%

ROA (TTM)

CHYM-92.0%

CPAY4.5%

ROIC (TTM)

CHYM-128.0%

CPAY8.4%

Cash

CHYM$536M

CPAY$3.16B

Debt

CHYM$0

CPAY$10.62B

Net Cash/Debt

CHYM$536M

CPAY$-7.46B

Current Ratio (TTM)

CHYM4.62x

CPAY0.97x

Quick Ratio (TTM)

CHYM4.44x

CPAY0.89x

Debt/Equity (TTM)

CHYM0.00x

CPAY3.00x

Debt/Assets (TTM)

CHYM0.0%

CPAY0.0%

Interest Coverage (TTM)

CHYMN/A

CPAYN/A

Net Debt/EBITDA (TTM)

CHYM0.00x

CPAY0.00x

Beta

CHYM2.06

CPAY0.95

52W Performance

CHYM52.8%

CPAY42.5%

YTD Performance

CHYM13.3%

CPAY32.8%

% from 52W High

CHYM-15.9%

CPAY-6.6%

% from 52W Low

CHYM88.3%

CPAY57.8%

Asset Turnover (TTM)

CHYM1.25x

CPAY0.20x

FCF Yield (TTM)

CHYM2.7%

CPAY6.3%

Earnings Yield (TTM)

CHYM-0.2%

CPAY4.4%

Dividend Yield (TTM)

CHYMN/A

CPAYN/A

Rule of 40

CHYM147.3

CPAY53.0

EV/GP/RG

CHYM0.18

CPAY0.70

Ticker research

View CHYM research View CPAY research

Metric	CHYM Chime Financial Inc	CPAY Corpay Inc
Market & Valuation
Market Cap	$11.39B	$26.09B
Enterprise Value	$10.86B	$33.55B
Price	$29.90	$399.10
P/E Ratio	N/A	23.20x
P/S Ratio	4.64x	5.20x
EV/Sales	4.42x	6.68x
EV/EBITDA	0.00x	13.56x
P/B Ratio	8.11x	7.38x
P/FCF Ratio	36.88x	15.92x
EV/FCF	35.15x	20.47x
PEG Ratio	N/A	2.07x
Forward P/E (NTM)	42.52x	13.49x
Forward P/S (NTM)	3.66x	4.64x
Revenue & Growth
Revenue (TTM)	$2.46B	$5.02B
Revenue Growth (YoY)	134.7%	20.4%
Forward Rev Growth	20.6%	8.7%
Profitability
Gross Margin (TTM)	88.7%	79.0%
Operating Margin (TTM)	0.0%	43.6%
EBITDA Margin (TTM)	-0.8%	49.3%
Net Margin (TTM)	-0.7%	22.7%
FCF Margin (TTM)	12.6%	32.6%
Net Income (TTM)	$-18M	$1.14B
FCF (TTM)	$309M	$1.64B
EPS (TTM)	-$0.05	$17.20
ROE (TTM)	-128.0%	30.4%
ROA (TTM)	-92.0%	4.5%
ROIC (TTM)	-128.0%	8.4%
Financial Health
Cash	$536M	$3.16B
Debt	$0	$10.62B
Net Cash/Debt	$536M	$-7.46B
Current Ratio (TTM)	4.62x	0.97x
Quick Ratio (TTM)	4.44x	0.89x
Debt/Equity (TTM)	0.00x	3.00x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	2.06	0.95
52W Performance	52.8%	42.5%
YTD Performance	13.3%	32.8%
% from 52W High	-15.9%	-6.6%
% from 52W Low	88.3%	57.8%
Efficiency & Yields
Asset Turnover (TTM)	1.25x	0.20x
FCF Yield (TTM)	2.7%	6.3%
Earnings Yield (TTM)	-0.2%	4.4%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	147.3	53.0
EV/GP/RG	0.18	0.70
Ticker research	View CHYM research	View CPAY research