Chime Financial, Inc. vs FinVolution Group, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
FinVolution's balance sheet is nearly debt-free and its business already self-funds, an 18.7% net margin and 10% return on assets from matching Chinese borrowers to institutional lenders; Chime's sheet is equally clean but exists to absorb losses, a negative 41.9% net margin while the neobank builds toward scale. The market prices them within $2B of each other, $6B and $8B, a profitable platform at 17.8 times earnings against a pre-profit brand with no multiple at all. The premium on Chime is a jurisdiction premium as much as a growth one: US consumer fintech losing money is valued alongside Chinese consumer fintech earning it. The page prices geography at roughly one FinVolution of profit.
Comparison updated 2026-07-10.
| Metric | CHYM | FINV |
|---|---|---|
| Price | $20.26 | $4.80 |
| Market cap | $8.1B | $6.4B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 17.8 |
| P/B | 5.63 | 2.66 |
| P/S | 3.50 | 3.30 |
| EV/EBITDA | — | 613.1 |
| Revenue growth | +30.4% | +200.0% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 18.7% |
| Return on equity | -67.3% | 15.1% |
| Return on assets | -49.7% | 10.0% |
| Debt / equity | 0.00 | 0.02 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 4.33 |
| 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.