Chime Financial, Inc. vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
8.14 against nothing: Synchrony's multiple next to Chime's absent one is the entire comparison. Synchrony earns a 19.3% net margin and 21.9% on equity financing store cards, pays a 1.5% dividend, and is priced like a utility in a bad mood; Chime loses 41.9 cents per revenue dollar building a debit-first bank brand and is valued at $8B, within a third of Synchrony's $27B, on membership rather than money. Synchrony's 36.2% free-cash figure carries the lender caveat; Chime's balance sheet carries no debt at all. Old credit priced for decline, new banking priced for arrival: the market is quite sure about both, and eight turns of multiple against infinity measures the certainty.
Comparison updated 2026-07-10.
| Metric | CHYM | SYF |
|---|---|---|
| Price | $20.26 | $78.62 |
| Market cap | $8.1B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | — | 8.1 |
| P/B | 5.63 | 1.65 |
| P/S | 3.50 | 1.46 |
| EV/EBITDA | — | 161.3 |
| Revenue growth | +30.4% | +3.1% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 19.3% |
| Return on equity | -67.3% | 21.9% |
| Return on assets | -49.7% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 1.00 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.74 | 0.60 |
| Piotroski F (quality) | 7 / 9 | 7 / 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.