Chime Financial, Inc. vs Nu Holdings Ltd., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Negative 67.3 against positive 25.8: the returns on equity of Chime and Nu, two branchless banks for the underbanked, separated by stage and hemisphere. Nu crossed into franchise economics years ago, a 17.1% net margin on tens of millions of Latin American customers, priced at 32 times earnings and $63B; Chime is still purchasing its US member base with a negative 41.9% net margin, priced at $8B with no multiple. Both run essentially without debt. The pair is the neobank thesis at two chapters: proof that the model can mint a major bank, and the open question of whether the US market, crowded with incumbents, allows a second telling.
Comparison updated 2026-07-10.
| Metric | CHYM | NU |
|---|---|---|
| Price | $20.26 | $13.15 |
| Market cap | $8.1B | $63.0B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 32.0 |
| P/B | 5.63 | 8.24 |
| P/S | 3.50 | 5.47 |
| Revenue growth | +30.4% | +105.9% |
| Gross margin | 89.6% | 45.6% |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 17.1% |
| Return on equity | -67.3% | 25.8% |
| Return on assets | -49.7% | 4.0% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 1.12 |
| Piotroski F (quality) | 7 / 9 | 9 / 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.