AMERICAN EXPRESS COMPANY vs Chime Financial, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AXP and CHYM diverge most: on net margin, AXP reads 15.1% and CHYM reads -56.4%; on return on equity, AXP reads 33.4% and CHYM reads -67.3%. The rest of the comparable metrics sit closer together. What AXP's price implies is a bet that sits within the historical range (earnings-power basis). The bull and bear cases for each are in their full reports below.
| Metric | AXP | CHYM |
|---|---|---|
| Price | $336.23 | $22.98 |
| Market cap | $228.3B | $9.2B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| P/E | 20.4 | — |
| P/B | 6.66 | 6.38 |
| P/S | 3.01 | 5.35 |
| Revenue growth | +10.7% | +30.4% |
| Gross margin | — | 89.6% |
| Operating margin | — | 7.1% |
| Net margin | 15.1% | -56.4% |
| Return on equity | 33.4% | -67.3% |
| Return on assets | 3.7% | -49.7% |
| Dividend yield | 1.0% | — |
| Debt / equity | 1.72 | 0.00 |
| Current ratio | — | 5.07 |
| Altman Z (solvency) | 0.87 | 5.44 |
| Piotroski F (quality) | 9 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.