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.
Where CHYM and SYF diverge most: on net margin, CHYM reads -56.4% and SYF reads 18.8%; on return on equity, CHYM reads -67.3% and SYF reads 20.8%. The rest of the comparable metrics sit closer together. What SYF's price implies is a bet that sits within the historical range (earnings-power basis). The bull and bear cases for each are in their full reports below.
| Metric | CHYM | SYF |
|---|---|---|
| Price | $22.98 | $75.78 |
| Market cap | $9.2B | $24.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | — | 7.8 |
| P/B | 6.38 | 1.46 |
| P/S | 5.35 | 1.32 |
| EV/EBITDA | — | 174.1 |
| Revenue growth | +30.4% | +3.0% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -56.4% | 18.8% |
| Return on equity | -67.3% | 20.8% |
| Return on assets | -49.7% | 2.9% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 0.97 |
| Current ratio | 5.07 | — |
| Altman Z (solvency) | 5.44 | 0.59 |
| Piotroski F (quality) | 7 / 9 | 8 / 9 |
Each week boothcheck ranks the stocks whose prices are betting on the most. Read the most stretched bets archive →
boothcheck is also on Android. Get the app on Google Play →
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.