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.
Where CHYM and PFSI diverge most: on net margin, CHYM reads -56.4% and PFSI reads 23.5%; on return on equity, CHYM reads -67.3% and PFSI reads 11.7%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | CHYM | PFSI |
|---|---|---|
| Price | $22.98 | $75.40 |
| Market cap | $9.2B | $3.9B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 8.0 |
| P/B | 6.38 | 0.91 |
| P/S | 5.35 | 1.81 |
| EV/EBITDA | — | 734.7 |
| Revenue growth | +30.4% | +26.0% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -56.4% | 23.5% |
| Return on equity | -67.3% | 11.7% |
| Return on assets | -49.7% | 1.6% |
| Dividend yield | — | 1.6% |
| Debt / equity | 0.00 | 1.44 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.44 | 0.34 |
| 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.