Chime Financial, Inc. vs PennyMac Financial Services, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Chime carries no debt because it has no lending book to fund; PennyMac carries 1.44 turns because mortgage servicing and origination are made of leverage. The sector tag groups them; the businesses barely wave at each other. PennyMac earns real money now, a 23.5% net margin at 9.1 times earnings with a 1.4% dividend, its negative 87.9% free-cash figure the ordinary noise of loan-flow accounting; Chime loses money on purpose, negative 41.9% net, building a consumer brand. The market pays $8B for the brand under construction and $5B for the earnings in hand. That spread is the going rate for believing deposits-first fintech beats rate-cycle finance eventually.
Comparison updated 2026-07-10.
| Metric | CHYM | PFSI |
|---|---|---|
| Price | $20.26 | $86.05 |
| Market cap | $8.1B | $4.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 9.1 |
| P/B | 5.63 | 1.07 |
| P/S | 3.50 | 2.15 |
| EV/EBITDA | — | 787.9 |
| Revenue growth | +30.4% | +26.0% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 23.5% |
| Return on equity | -67.3% | 11.7% |
| Return on assets | -49.7% | 1.6% |
| Dividend yield | — | 1.4% |
| Debt / equity | 0.00 | 1.44 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 0.36 |
| 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.