Chime Financial, Inc. vs CIRCLE INTERNET GROUP, INC., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where CHYM and CRCL diverge most: on return on assets, CHYM reads -49.7% and CRCL reads -0.1%; on altman z (solvency), CHYM reads 5.44 and CRCL reads 0.17. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | CHYM | CRCL |
|---|---|---|
| Price | $22.98 | $62.15 |
| Market cap | $9.2B | $16.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/B | 6.38 | 4.83 |
| P/S | 5.35 | 7.92 |
| EV/EBITDA | — | 64.2 |
| Revenue growth | +30.4% | +46.3% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | 6.5% |
| Net margin | -56.4% | -3.8% |
| Return on equity | -67.3% | -2.3% |
| Return on assets | -49.7% | -0.1% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 5.07 | 1.03 |
| Altman Z (solvency) | 5.44 | 0.17 |
| Piotroski F (quality) | 7 / 9 | 6 / 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.