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Valuation, margins, and growth side by side.

Compare $CHYM vs $PAY | Chartloom

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$CHYM vs $PAY

Chime Financial Inc · Paymentus Holdings Inc

CHYM

Chime Financial Inc

PAY

Paymentus Holdings Inc

Compare $CHYM vs $PAY

Comparing Chime Financial Inc and Paymentus Holdings Inc

CHYMChime Financial Inc

PAYPaymentus Holdings 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%

PAYPaymentus Holdings Inc

Market cap

$4.01B

P/E (TTM)

48.45x

Forward P/E (NTM)

31.80x

Forward P/S (NTM)

2.52x

Rev growth (TTM)

30.2%

YTD performance

11.9%

52W performance

5.2%

FCF yield

3.0%

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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

PAY

Detailed metrics comparison

CHYM

Chime Financial Inc

PAY

Paymentus Holdings Inc

Market Cap

CHYM$11.39B

PAY$4.01B

Enterprise Value

CHYM$10.86B

PAY$3.63B

Price

CHYM$29.90

PAY$31.87

P/E Ratio

CHYMN/A

PAY48.45x

P/S Ratio

CHYM4.64x

PAY2.95x

EV/Sales

CHYM4.42x

PAY2.67x

EV/EBITDA

CHYM0.00x

PAY25.53x

P/B Ratio

CHYM8.11x

PAY6.55x

P/FCF Ratio

CHYM36.88x

PAY33.02x

EV/FCF

CHYM35.15x

PAY29.91x

PEG Ratio

CHYMN/A

PAY0.95x

Forward P/E (NTM)

CHYM42.52x

PAY31.80x

Forward P/S (NTM)

CHYM3.66x

PAY2.52x

Revenue (TTM)

CHYM$2.46B

PAY$1.36B

Revenue Growth (YoY)

CHYM134.7%

PAY30.2%

Forward Rev Growth

CHYM20.6%

PAY17.5%

Gross Margin (TTM)

CHYM88.7%

PAY24.9%

Operating Margin (TTM)

CHYM0.0%

PAY7.6%

EBITDA Margin (TTM)

CHYM-0.8%

PAY10.5%

Net Margin (TTM)

CHYM-0.7%

PAY6.2%

FCF Margin (TTM)

CHYM12.6%

PAY8.9%

Net Income (TTM)

CHYM$-18M

PAY$85M

FCF (TTM)

CHYM$309M

PAY$121M

EPS (TTM)

CHYM-$0.05

PAY$0.66

ROE (TTM)

CHYM-128.0%

PAY14.8%

ROA (TTM)

CHYM-92.0%

PAY12.4%

ROIC (TTM)

CHYM-128.0%

PAY14.8%

Cash

CHYM$536M

PAY$378M

Debt

CHYM$0

PAY$0

Net Cash/Debt

CHYM$536M

PAY$378M

Current Ratio (TTM)

CHYM4.62x

PAY4.89x

Quick Ratio (TTM)

CHYM4.44x

PAY4.81x

Debt/Equity (TTM)

CHYM0.00x

PAY0.00x

Debt/Assets (TTM)

CHYM0.0%

PAY0.0%

Interest Coverage (TTM)

CHYMN/A

PAYN/A

Net Debt/EBITDA (TTM)

CHYM0.00x

PAY0.00x

Beta

CHYM2.06

PAY1.42

52W Performance

CHYM52.8%

PAY5.2%

YTD Performance

CHYM13.3%

PAY11.9%

% from 52W High

CHYM-15.9%

PAY-29.7%

% from 52W Low

CHYM88.3%

PAY58.5%

Asset Turnover (TTM)

CHYM1.25x

PAY1.99x

FCF Yield (TTM)

CHYM2.7%

PAY3.0%

Earnings Yield (TTM)

CHYM-0.2%

PAY2.1%

Dividend Yield (TTM)

CHYMN/A

PAYN/A

Rule of 40

CHYM147.3

PAY39.1

EV/GP/RG

CHYM0.18

PAY0.63

Ticker research

View CHYM research View PAY research

Metric	CHYM Chime Financial Inc	PAY Paymentus Holdings Inc
Market & Valuation
Market Cap	$11.39B	$4.01B
Enterprise Value	$10.86B	$3.63B
Price	$29.90	$31.87
P/E Ratio	N/A	48.45x
P/S Ratio	4.64x	2.95x
EV/Sales	4.42x	2.67x
EV/EBITDA	0.00x	25.53x
P/B Ratio	8.11x	6.55x
P/FCF Ratio	36.88x	33.02x
EV/FCF	35.15x	29.91x
PEG Ratio	N/A	0.95x
Forward P/E (NTM)	42.52x	31.80x
Forward P/S (NTM)	3.66x	2.52x
Revenue & Growth
Revenue (TTM)	$2.46B	$1.36B
Revenue Growth (YoY)	134.7%	30.2%
Forward Rev Growth	20.6%	17.5%
Profitability
Gross Margin (TTM)	88.7%	24.9%
Operating Margin (TTM)	0.0%	7.6%
EBITDA Margin (TTM)	-0.8%	10.5%
Net Margin (TTM)	-0.7%	6.2%
FCF Margin (TTM)	12.6%	8.9%
Net Income (TTM)	$-18M	$85M
FCF (TTM)	$309M	$121M
EPS (TTM)	-$0.05	$0.66
ROE (TTM)	-128.0%	14.8%
ROA (TTM)	-92.0%	12.4%
ROIC (TTM)	-128.0%	14.8%
Financial Health
Cash	$536M	$378M
Debt	$0	$0
Net Cash/Debt	$536M	$378M
Current Ratio (TTM)	4.62x	4.89x
Quick Ratio (TTM)	4.44x	4.81x
Debt/Equity (TTM)	0.00x	0.00x
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	1.42
52W Performance	52.8%	5.2%
YTD Performance	13.3%	11.9%
% from 52W High	-15.9%	-29.7%
% from 52W Low	88.3%	58.5%
Efficiency & Yields
Asset Turnover (TTM)	1.25x	1.99x
FCF Yield (TTM)	2.7%	3.0%
Earnings Yield (TTM)	-0.2%	2.1%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	147.3	39.1
EV/GP/RG	0.18	0.63
Ticker research	View CHYM research	View PAY research

Valuation

P/E Ratio

PAY

48.45x

P/S Ratio

PAY

2.95x

CHYM

4.64x

EV/FCF

PAY

29.91x

CHYM

35.15x

Growth & revenue

Revenue Growth TTM

CHYM

134.7%

PAY

30.2%

Forward Revenue Growth

CHYM

20.6%

PAY

17.5%

Profitability & performance

Gross Margin

CHYM

88.7%

PAY

24.9%

ROE

PAY

14.8%

CHYM

-128.0%

FCF Yield %

PAY

3.0%

CHYM

2.7%

52-Week Performance

CHYM

52.8%

PAY

5.2%

Detailed metrics comparison

CHYM

Chime Financial Inc

PAY

Paymentus Holdings Inc

Market Cap

CHYM$11.39B

PAY$4.01B

Enterprise Value

CHYM$10.86B

PAY$3.63B

Price

CHYM$29.90

PAY$31.87

P/E Ratio

CHYMN/A

PAY48.45x

P/S Ratio

CHYM4.64x

PAY2.95x

EV/Sales

CHYM4.42x

PAY2.67x

EV/EBITDA

CHYM0.00x

PAY25.53x

P/B Ratio

CHYM8.11x

PAY6.55x

P/FCF Ratio

CHYM36.88x

PAY33.02x

EV/FCF

CHYM35.15x

PAY29.91x

PEG Ratio

CHYMN/A

PAY0.95x

Forward P/E (NTM)

CHYM42.52x

PAY31.80x

Forward P/S (NTM)

CHYM3.66x

PAY2.52x

Revenue (TTM)

CHYM$2.46B

PAY$1.36B

Revenue Growth (YoY)

CHYM134.7%

PAY30.2%

Forward Rev Growth

CHYM20.6%

PAY17.5%

Gross Margin (TTM)

CHYM88.7%

PAY24.9%

Operating Margin (TTM)

CHYM0.0%

PAY7.6%

EBITDA Margin (TTM)

CHYM-0.8%

PAY10.5%

Net Margin (TTM)

CHYM-0.7%

PAY6.2%

FCF Margin (TTM)

CHYM12.6%

PAY8.9%

Net Income (TTM)

CHYM$-18M

PAY$85M

FCF (TTM)

CHYM$309M

PAY$121M

EPS (TTM)

CHYM-$0.05

PAY$0.66

ROE (TTM)

CHYM-128.0%

PAY14.8%

ROA (TTM)

CHYM-92.0%

PAY12.4%

ROIC (TTM)

CHYM-128.0%

PAY14.8%

Cash

CHYM$536M

PAY$378M

Debt

CHYM$0

PAY$0

Net Cash/Debt

CHYM$536M

PAY$378M

Current Ratio (TTM)

CHYM4.62x

PAY4.89x

Quick Ratio (TTM)

CHYM4.44x

PAY4.81x

Debt/Equity (TTM)

CHYM0.00x

PAY0.00x

Debt/Assets (TTM)

CHYM0.0%

PAY0.0%

Interest Coverage (TTM)

CHYMN/A

PAYN/A

Net Debt/EBITDA (TTM)

CHYM0.00x

PAY0.00x

Beta

CHYM2.06

PAY1.42

52W Performance

CHYM52.8%

PAY5.2%

YTD Performance

CHYM13.3%

PAY11.9%

% from 52W High

CHYM-15.9%

PAY-29.7%

% from 52W Low

CHYM88.3%

PAY58.5%

Asset Turnover (TTM)

CHYM1.25x

PAY1.99x

FCF Yield (TTM)

CHYM2.7%

PAY3.0%

Earnings Yield (TTM)

CHYM-0.2%

PAY2.1%

Dividend Yield (TTM)

CHYMN/A

PAYN/A

Rule of 40

CHYM147.3

PAY39.1

EV/GP/RG

CHYM0.18

PAY0.63

Ticker research

View CHYM research View PAY research

Metric	CHYM Chime Financial Inc	PAY Paymentus Holdings Inc
Market & Valuation
Market Cap	$11.39B	$4.01B
Enterprise Value	$10.86B	$3.63B
Price	$29.90	$31.87
P/E Ratio	N/A	48.45x
P/S Ratio	4.64x	2.95x
EV/Sales	4.42x	2.67x
EV/EBITDA	0.00x	25.53x
P/B Ratio	8.11x	6.55x
P/FCF Ratio	36.88x	33.02x
EV/FCF	35.15x	29.91x
PEG Ratio	N/A	0.95x
Forward P/E (NTM)	42.52x	31.80x
Forward P/S (NTM)	3.66x	2.52x
Revenue & Growth
Revenue (TTM)	$2.46B	$1.36B
Revenue Growth (YoY)	134.7%	30.2%
Forward Rev Growth	20.6%	17.5%
Profitability
Gross Margin (TTM)	88.7%	24.9%
Operating Margin (TTM)	0.0%	7.6%
EBITDA Margin (TTM)	-0.8%	10.5%
Net Margin (TTM)	-0.7%	6.2%
FCF Margin (TTM)	12.6%	8.9%
Net Income (TTM)	$-18M	$85M
FCF (TTM)	$309M	$121M
EPS (TTM)	-$0.05	$0.66
ROE (TTM)	-128.0%	14.8%
ROA (TTM)	-92.0%	12.4%
ROIC (TTM)	-128.0%	14.8%
Financial Health
Cash	$536M	$378M
Debt	$0	$0
Net Cash/Debt	$536M	$378M
Current Ratio (TTM)	4.62x	4.89x
Quick Ratio (TTM)	4.44x	4.81x
Debt/Equity (TTM)	0.00x	0.00x
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	1.42
52W Performance	52.8%	5.2%
YTD Performance	13.3%	11.9%
% from 52W High	-15.9%	-29.7%
% from 52W Low	88.3%	58.5%
Efficiency & Yields
Asset Turnover (TTM)	1.25x	1.99x
FCF Yield (TTM)	2.7%	3.0%
Earnings Yield (TTM)	-0.2%	2.1%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	147.3	39.1
EV/GP/RG	0.18	0.63
Ticker research	View CHYM research	View PAY research