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.
CHYM and SQ are closely matched — they split the tracked metrics evenly.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- 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
- 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
| Metric | CHYM | SQ |
|---|---|---|
| AI scorei | 22.9 | N/A |
| AI ranki | #3751 | N/A |
| Latest closei | $29.96 | N/A |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | CHYM | SQ |
|---|---|---|
| 1Y ago | $15.35K (+53.5%) started 2025-10-15 | N/A |
| 5Y ago | $8.07K (-19.3%) started 2025-06-12 | N/A |
| 10Y ago | $8.07K (-19.3%) started 2025-06-12 | N/A |
Hypothetical — past performance does not guarantee future results.
| Metric | CHYM | SQ |
|---|---|---|
| Market capi | $12.37B | N/A |
| Trailing P/Ei | 6.08 | N/A |
| Forward P/Ei | 20.29 | N/A |
| Price/Salesi | N/A | 2.46 |
| EV/Revenuei | 4.48 | N/A |
| Analyst targeti | $34.80 | N/A |
| Target upsidei | +6.52% | N/A |
| Metric | CHYM | SQ |
|---|---|---|
| Revenue growthi | 26.80% | N/A |
| Earnings growthi | N/A | N/A |
| EPS growthi | N/A | N/A |
| FCF margini | +17.81% | N/A |
| Operating margini | 18.61% | N/A |
| Profit margini | -0.74% | N/A |
| ROIC proxyi | -1.28% | N/A |
| Return on equityi | -1.28% | N/A |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | N/A |
| Dividend growth streaki | N/A | N/A |
| Betai | N/A | 1.54 |
| Debt/equityi | 12.88 | N/A |
| Current ratioi | 4.62 | N/A |
| Quick ratioi | 3.74 | N/A |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | CHYM | SQ |
|---|---|---|---|
| 1Y | Growthi | +53.48% | N/A |
| CAGRi | +53.53% | N/A | |
| Volatilityi | 64.18% | N/A | |
| Sharpe ratioi | 0.92 | N/A | |
| Sortino ratioi | 1.41 | N/A | |
| Max drawdowni | 41.14% | N/A | |
| Current drawdowni | 13.29% | N/A | |
| Avg drawdowni | 17.09% | N/A | |
| Ulcer Indexi | 21.17% | N/A | |
| Max daily dropi | 12.52% | N/A | |
| Max wkly dropi | 19.97% | N/A | |
| 5Y | Growthi | -19.27% | N/A |
| CAGRi | -14.75% | N/A | |
| Volatilityi | 64.26% | N/A | |
| Sharpe ratioi | 0.00 | N/A | |
| Sortino ratioi | 0.00 | N/A | |
| Max drawdowni | 55.70% | N/A | |
| Current drawdowni | 19.27% | N/A | |
| Avg drawdowni | 34.23% | N/A | |
| Ulcer Indexi | 37.11% | N/A | |
| Max daily dropi | 14.68% | N/A | |
| Max wkly dropi | 21.22% | N/A | |
| 10Y | Growthi | -19.27% | N/A |
| CAGRi | -14.75% | N/A | |
| Volatilityi | 64.26% | N/A | |
| Sharpe ratioi | 0.00 | N/A | |
| Sortino ratioi | 0.00 | N/A | |
| Max drawdowni | 55.70% | N/A | |
| Current drawdowni | 19.27% | N/A | |
| Avg drawdowni | 34.23% | N/A | |
| Ulcer Indexi | 37.11% | N/A | |
| Max daily dropi | 14.68% | N/A | |
| Max wkly dropi | 21.22% | N/A |
| Category | CHYM | SQ |
|---|---|---|
| Company | Chime Financial, Inc. | Block, Inc. |
| Sector | Technology | Financial Technology / Payments |
| Industry | Software - Application | 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. |
- 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
- 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
- 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
- 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
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