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.
Neither newly public fintech grows on this page, but both prices assume it: Chime at $8B on a negative 41.9% net margin, Circle at $20B on a negative 2.8%, no multiple on either. The models could not differ more inside one sector tag: Chime earns interchange on debit spend by everyday consumers; Circle earns interest on the reserves behind its stablecoin. Circle is closer to break-even and holds the more unusual asset, a piece of monetary infrastructure; Chime holds a brand and a member base. Both are debt-free. Two IPO-era balance sheets, two bets on which kind of float, consumer deposits or digital dollars, becomes the more valuable toll road.
Comparison updated 2026-07-10.
| Metric | CHYM | CRCL |
|---|---|---|
| Price | $20.26 | $73.52 |
| Market cap | $8.1B | $19.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/B | 5.63 | 5.72 |
| P/S | 3.50 | 6.85 |
| EV/EBITDA | — | 52.9 |
| Revenue growth | +30.4% | +46.3% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | 6.5% |
| Net margin | -41.9% | -2.8% |
| 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) | 5.74 | 0.21 |
| Piotroski F (quality) | 7 / 9 | 5 / 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.