How do Chime and Block differ in business model?

Chime is a digital banking platform focused on consumer checking and savings accounts, while Block operates a broader business spanning Square's merchant payment tools and Cash App's consumer payments and banking features.

Which company has a more diversified business, Chime or Block?

Block is significantly more diversified, spanning merchant payments, consumer peer-to-peer transfers, banking features, and other services, while Chime is more narrowly focused on digital consumer banking.

Which stock carries more risk, CHYM or SQ?

Chime generally carries more risk given its shorter public track record and narrower revenue base, while Block's diversified, longer-established platform provides comparatively more stability, though it faces its own competitive and regulatory risks.

How is the AI score calculated?

The AI score is a composite signal incorporating fundamental quality, valuation, momentum, analyst sentiment, and risk factors. A higher score indicates a more favorable overall setup relative to the market at the time of the latest update.

Last updated: August 23, 2026

brimindinvest.com / compare / chym-vs-sqLIVE

CHYM

Chime Financial, Inc. · Financial Technology / Digital Banking

$32.78

+50.23% this month

VERSUS

COMPARE

SQ

Block, Inc. · Financial Technology / Payments

N/A

N/A this month

Scoreboard verdict

Across AI score, momentum, valuation, upside, operating margin

CHYM

0

SQ

0

MIXED SETUP

Comparison scoreboard

MIXED SETUP

AI Score

CHYM 22.6

SQ N/A

1Y Return

CHYM +25.21%

SQ N/A

Fwd P/E

CHYM N/A

SQ N/A

Target Up.

CHYM +4.33%

SQ N/A

Op. Margin

CHYM 18.61%

SQ N/A

Metrics last refreshed: 8/23/2026

Quick take

CHYM vs SQ Stock Comparison: AI Score, Valuation, Performance and Upside

Chime offers a more focused, newer bet on digital consumer banking, while Block provides a more diversified, established platform spanning both merchant payments and consumer financial services.

Investors weighing Chime against Block are choosing between a newer, narrowly focused neobank and a larger, more diversified fintech platform with a longer operating history.

Live analysis · updated 8/23/2026

CHYM and SQ are closely matched — they split the tracked metrics evenly.

Normalized 1Y performance

CHYM

SQ

Not enough data to chart yet.

Recent returns

CHYM

SQ

Analyst price targets & sentiment

CHYM · 20 analysts

STRONG BUYHOLDSTRONG SELL

Buy (1.6/5.0)

Price target range

analyst low$22.00
analyst high$45.00
analyst mean$34.20
current price$32.78

+4.3% upside to analyst mean

SQ

Price target data unavailable

N/A

Who should consider this stock?

CHYM may suit investors who:

Want concentrated exposure to digital consumer banking growth
Believe in continued adoption of neobank platforms among younger and underbanked consumers
Are comfortable with the risks of a newly public company
Are looking for a more narrowly focused fintech investment

SQ may suit investors who:

Prefer diversified exposure across merchant payments and consumer financial services
Want a longer operating and public company track record
Believe in continued growth of both the Square and Cash App ecosystems
Seek a more established fintech platform with multiple revenue streams

Performance & AI score

Performance & AI score
Metric	CHYM	SQ
AI score	22.6	N/A
AI rank	#3963	N/A
Latest close	$32.78	N/A
1M return	+50.23%	N/A
6M return	+58.97%	N/A
1Y return	+25.21%	N/A

$10,000 invested — hypothetical growth (dividends reinvested)

How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?

$10,000 invested — hypothetical growth (dividends reinvested)
Period	CHYM	SQ
1Y ago	$12.52K (+25.2%) started 2025-08-21	N/A
5Y ago	$8.83K (-11.7%) started 2025-06-12	N/A
10Y ago	$8.83K (-11.7%) started 2025-06-12	N/A

Hypothetical — past performance does not guarantee future results.

Valuation & upside potential

Valuation & upside potential
Metric	CHYM	SQ
Market cap	$12.41B	N/A
Trailing P/E	6.10	N/A
Forward P/E	N/A	N/A
Price/Sales	5.05	2.46
EV/Revenue	4.65	N/A
Analyst target	$34.20	N/A
Target upside	+4.33%	N/A

Growth, profitability & risk

Growth, profitability & risk
Metric	CHYM	SQ
Revenue growth	26.80%	N/A
Earnings growth	N/A	N/A
EPS growth	N/A	N/A
FCF margin	+17.81%	N/A
Operating margin	18.61%	N/A
Profit margin	-0.74%	N/A
ROIC proxy	-1.28%	N/A
Return on equity	-1.28%	N/A
Dividend yield	0.00%	N/A
Beta	2.17	1.54
Debt/equity	12.88	N/A
Current ratio	4.62	N/A
Quick ratio	3.74	N/A

Drawdown & downside risk

Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.

1Y risk snapshot

CHYM max drawdown41.14%

SQ max drawdownN/A

CHYM max wkly drop19.97%

SQ max wkly dropN/A

5Y risk snapshot

CHYM max drawdown55.70%

SQ max drawdownN/A

CHYM max wkly drop21.22%

SQ max wkly dropN/A

10Y risk snapshot

CHYM max drawdown55.70%

SQ max drawdownN/A

CHYM max wkly drop21.22%

SQ max wkly dropN/A

Performance metrics by period

Performance metrics by period
Period	Metric	CHYM	SQ
1Y	Growth	+25.21%	N/A
	CAGR	+25.23%	N/A
	Sharpe ratio	0.60	N/A
	Max drawdown	41.14%	N/A
	Max daily drop	12.52%	N/A
	Max wkly drop	19.97%	N/A
5Y	Growth	-11.67%	N/A
	CAGR	-9.89%	N/A
	Sharpe ratio	0.10	N/A
	Max drawdown	55.70%	N/A
	Max daily drop	14.68%	N/A
	Max wkly drop	21.22%	N/A
10Y	Growth	-11.67%	N/A
	CAGR	-9.89%	N/A
	Sharpe ratio	0.10	N/A
	Max drawdown	55.70%	N/A
	Max daily drop	14.68%	N/A
	Max wkly drop	21.22%	N/A

Business comparison

Business comparison
Category	CHYM	SQ
Company	Chime Financial, Inc.	Block, Inc.
Sector	Financial Technology / Digital Banking	Financial Technology / Payments
Industry	N/A	N/A
Core business	Chime operates a digital banking platform, or neobank, offering fee-light checking and savings accounts, early direct deposit, and related consumer financial products through partner banks.	Block operates a diversified payments and financial technology business spanning Square's merchant payment tools and Cash App's consumer peer-to-peer payments and banking features.
Investor focus	Watch active member growth and the company's ability to expand revenue per user beyond its core deposit and interchange-based business model.	Watch gross profit trends across both the Square merchant ecosystem and Cash App consumer segment as indicators of overall platform health.

CHYM strengths

Large base of digitally native, fee-conscious banking customers
Simple, low-fee product positioning that appeals to underserved consumer segments
Growth opportunity in expanding financial product offerings to existing members

SQ strengths

Diversified business spanning both merchant payments and consumer financial services
Established, large user base across Cash App and Square's merchant network
Long operating history with multiple monetization channels including lending and crypto services

Risks to watch — CHYM

Relatively new public company with a limited track record of reporting results
Revenue model concentrated around interchange fees, which can be sensitive to transaction volume
Competition from both traditional banks and other digital banking challengers

Risks to watch — SQ

Cash App growth has moderated at times, requiring new avenues for engagement
Competitive pressure from other payment processors and digital banking platforms
Regulatory scrutiny around consumer lending and payments practices

Frequently asked questions

Block offers a more diversified, established fintech platform with a longer track record, while Chime offers more concentrated exposure to digital consumer banking growth, along with the risks of a newer public company.

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+1.1%HOLD

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