CHYM vs. DRI

Last updated Jul 21, 2026

CHYM (Chime Financial, Inc) and DRI (Darden Restaurants, Inc.) are both stocks. CHYM operates in Software - Application (Technology), while DRI operates in Restaurants (Consumer Cyclical). Over the past year, CHYM returned -30.49% vs -4.08% for DRI. At a 0.04 correlation, their price movements are largely independent.

Performance

CHYM vs. DRI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Chime Financial, Inc (CHYM) and Darden Restaurants, Inc. (DRI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CHYM achieves a -12.87% return, which is significantly lower than DRI's 8.35% return.

CHYM

• 1D: -1.79%
• 1M: 24.60%
• 6M: -15.88%
• YTD: -12.87%
• 1Y: -30.49%
• 3Y*: —
• 5Y*: —
• 10Y*: —
• ALL TIME*: -45.68%

DRI

• 1D: -1.87%
• 1M: -7.99%
• 6M: -7.79%
• YTD: 8.35%
• 1Y: -4.08%
• 3Y*: 8.03%
• 5Y*: 9.63%
• 10Y*: 15.28%
• ALL TIME*: 14.57%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CHYM vs. DRI - Yearly Performance Comparison

	2026 (YTD)	2025
CHYM Chime Financial, Inc	-12.87%	-41.47%
DRI Darden Restaurants, Inc.	8.35%	-14.18%

Correlation

The correlation between CHYM and DRI is 0.05, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.05
Correlation (All Time) Calculated using the full available price history since Jun 12, 2025	0.04

Fundamentals

Market Cap CHYM : $8.36B DRI : $22.30B
EPS CHYM : -$2.54 DRI : $10.35
PS Ratio CHYM : 3.62 DRI : 1.72
PB Ratio CHYM : 6.09 DRI : 10.17
Total Revenue (TTM) CHYM : $2.32B DRI : $13.21B
Gross Profit (TTM) CHYM : $2.00B DRI : $9.17B
EBITDA (TTM) CHYM : -$937.42M DRI : $2.34B

Return for Risk

CHYM vs. DRI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CHYM

CHYM Risk / Return Rank: 26
CHYM Sharpe Ratio Rank: 23
CHYM Sortino Ratio Rank: 26
CHYM Omega Ratio Rank: 26
CHYM Calmar Ratio Rank: 25
CHYM Martin Ratio Rank: 30

DRI

DRI Risk / Return Rank: 36
DRI Sharpe Ratio Rank: 38
DRI Sortino Ratio Rank: 33
DRI Omega Ratio Rank: 33
DRI Calmar Ratio Rank: 38
DRI Martin Ratio Rank: 37

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CHYM vs. DRI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Chime Financial, Inc (CHYM) and Darden Restaurants, Inc. (DRI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	CHYM	DRI	Difference
Sharpe ratio: Return per unit of total volatility	-0.48	-0.16	-0.33
Sortino ratio: Return per unit of downside risk	-0.36	-0.04	-0.32
Omega ratio: Gain probability vs. loss probability	0.96	0.99	-0.04
Calmar ratio: Return relative to maximum drawdown	-0.56	-0.20	-0.36
Martin ratio: Return relative to average drawdown	-0.77	-0.44	-0.33

CHYM vs. DRI - Sharpe Ratio Comparison

The current CHYM Sharpe Ratio is -0.48, which is lower than the DRI Sharpe Ratio of -0.16. The chart below compares the historical Sharpe Ratios of CHYM and DRI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

CHYM vs. DRI - Drawdown Comparison

The maximum CHYM drawdown since its inception was -61.77%, smaller than the maximum DRI drawdown of -72.80%. Use the drawdown chart below to compare losses from any high point for CHYM and DRI.

Drawdown Indicators

	CHYM	DRI	Difference
Max Drawdown Largest peak-to-trough decline	-61.77%	-72.80%	+11.03%
Max Drawdown (1Y) Largest decline over 1 year	-54.59%	-20.07%	-34.52%
Max Drawdown (3Y) Largest decline over 3 years	—	-23.92%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-28.38%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-72.80%	—
Current Drawdown Current decline from peak	-49.00%	-10.35%	-38.65%
Average Drawdown Average peak-to-trough decline	-45.75%	-12.98%	-32.77%
Ulcer Index Depth and duration of drawdowns from previous peaks	39.69%	9.27%	+30.42%

Volatility

CHYM vs. DRI - Volatility Comparison

Chime Financial, Inc (CHYM) has a higher volatility of 15.61% compared to Darden Restaurants, Inc. (DRI) at 7.63%. This indicates that CHYM's price experiences larger fluctuations and is considered to be riskier than DRI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CHYM	DRI	Difference
Volatility (1M) Calculated over the trailing 1-month period	15.61%	7.63%	+7.98%
Volatility (6M) Calculated over the trailing 6-month period	45.30%	19.27%	+26.03%
Volatility (1Y) Calculated over the trailing 1-year period	63.27%	25.80%	+37.47%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	65.25%	27.06%	+38.19%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	65.25%	35.97%	+29.28%

Dividends

CHYM vs. DRI - Dividend Comparison

CHYM has not paid dividends to shareholders, while DRI's dividend yield for the trailing twelve months is around 3.14%.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CHYM Chime Financial, Inc	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DRI Darden Restaurants, Inc.	3.14%	3.15%	2.90%	3.07%	3.34%	2.29%	0.99%	2.99%	2.76%	2.48%	2.92%	13.76%

Financials

Frequently Asked Questions

Can I hold both CHYM and DRI in my portfolio?

CHYM and DRI have a correlation of 0.05, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CHYM or DRI?

CHYM has higher volatility (15.61%) compared to DRI (7.63%). In terms of maximum drawdown, CHYM dropped -61.77% vs DRI's -72.80%.

Which has better risk-adjusted returns?

DRI currently has the higher Sharpe Ratio (-0.16 vs -0.48), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.