Chime Financial, Inc. vs Rocket Companies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Neither company's trailing year says much about its future, which both multiples freely admit: Rocket at 115.2 times trough earnings is a bet on the mortgage cycle turning, Chime with no multiple at all is a bet on a neobank reaching scale economics. Rocket at least prints black ink at the bottom, a 2.8% net margin at the worst of the rate cycle, plus the Redfin and Mr. Cooper platforms bolted on for the recovery; Chime's negative 41.9% is the cost of member growth. The market sizes them $43B against $8B. Both carry modest-to-no debt. Two turnarounds of different kinds: one waiting on the Federal Reserve, the other on its own income statement.
Comparison updated 2026-07-10.
| Metric | CHYM | RKT |
|---|---|---|
| Price | $20.26 | $14.97 |
| Market cap | $8.1B | $42.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 115.2 |
| P/B | 5.63 | 1.83 |
| P/S | 3.50 | 4.99 |
| EV/EBITDA | — | 123.1 |
| Revenue growth | +30.4% | +92.1% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 2.8% |
| Return on equity | -67.3% | 1.0% |
| Return on assets | -49.7% | 0.4% |
| Debt / equity | 0.00 | 0.45 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 0.86 |
| Piotroski F (quality) | 7 / 9 | 8 / 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.