Chime Financial, Inc. vs Qfin Holdings, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Both prices are statements of belief, pointed in opposite directions: Chime at $8B with no earnings is priced for what a US neobank brand becomes; Qfin at 5 times earnings is priced for what Chinese credit-tech might stop being. Qfin's current numbers would flatter any lender anywhere: a 31.1% net margin, 24.7% return on equity, a 36% free-cash yield, no debt. Chime's are a startup's: negative 41.9% net margin, cash burn modest against a clean balance sheet. The market pays twice Qfin's value for Chime's possibility. Jurisdiction discount on one side, aspiration premium on the other; the arithmetic between them is the price of an American flag on a fintech.
Comparison updated 2026-07-10.
| Metric | CHYM | QFIN |
|---|---|---|
| Price | $20.26 | $15.82 |
| Market cap | $8.1B | $4.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | — | 5.0 |
| P/B | 5.63 | 1.25 |
| P/S | 3.50 | 1.57 |
| EV/EBITDA | — | 3.8 |
| Revenue growth | +30.4% | +1.7% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | 34.8% |
| Net margin | -41.9% | 31.1% |
| Return on equity | -67.3% | 24.7% |
| Return on assets | -49.7% | 10.5% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 5.07 | 2.43 |
| Altman Z (solvency) | 5.74 | 2.49 |
| 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.