Chime Financial, Inc. vs SoFi Technologies, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin lines tell the stage difference exactly: SoFi has crossed over, a 14.6% net margin from lending, banking, and its tech platform; Chime has not, negative 41.9% while it converts members into revenue. The market prices the crossing at three times the value, $25B against $8B, and gives SoFi a real multiple, 39.7 times, where Chime has none. Both are effectively debt-free at the holding level; SoFi's negative free-cash figure is loan-book growth, the lender's usual disguise. The pair is the neobank cohort's before-and-after photo, and the price of 'after' is roughly $17B plus a P/E the market is still arguing about.
Comparison updated 2026-07-10.
| Metric | CHYM | SOFI |
|---|---|---|
| Price | $20.26 | $17.86 |
| Market cap | $8.1B | $24.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 39.7 |
| P/B | 5.63 | 2.28 |
| P/S | 3.50 | 6.24 |
| EV/EBITDA | — | 313.9 |
| Revenue growth | +30.4% | +40.7% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 14.6% |
| Return on equity | -67.3% | 5.3% |
| Return on assets | -49.7% | 1.1% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 0.40 |
| 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.