PortfoliosLab logoPortfoliosLab logo
CHYM vs. XYZ
Performance
Return for Risk
Drawdowns
Volatility
Dividends
Financials

Performance

CHYM vs. XYZ - Performance Comparison

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

Loading charts...

Returns By Period

In the year-to-date period, CHYM achieves a -33.77% return, which is significantly lower than XYZ's 11.18% return.


CHYM

1D
-1.48%
1M
-6.35%
YTD
-33.77%
6M
-37.17%
1Y
-43.99%
3Y*
5Y*
10Y*

XYZ

1D
-0.96%
1M
6.30%
YTD
11.18%
6M
11.44%
1Y
13.75%
3Y*
4.81%
5Y*
-21.59%
10Y*
23.50%
*Multi-year figures are annualized to reflect compound growth (CAGR)

CHYM vs. XYZ - Yearly Performance Comparison


2026 (YTD)2025
CHYM
Chime Financial, Inc
-33.77%-41.47%
XYZ
Block, Inc
11.18%1.61%

Correlation

The correlation between CHYM and XYZ is 0.54, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.


Correlation
Correlation (1Y)
Calculated over the trailing 1-year period

0.54

Correlation (All Time)
Calculated using the full available price history since Jun 12, 2025

0.54

The correlation between CHYM and XYZ has been stable across timeframes, ranging from 0.54 to 0.54 - a consistent structural relationship.

Fundamentals

Market Cap

CHYM:

$6.68B

XYZ:

$43.25B

EPS

CHYM:

-$2.55

XYZ:

$1.31

PS Ratio

CHYM:

2.73

XYZ:

1.82

PB Ratio

CHYM:

4.63

XYZ:

1.99

Total Revenue (TTM)

CHYM:

$2.32B

XYZ:

$24.48B

Gross Profit (TTM)

CHYM:

$2.00B

XYZ:

$11.01B

EBITDA (TTM)

CHYM:

-$937.42M

XYZ:

$2.42B

Compare stocks, funds, or ETFs

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.


Return for Risk

CHYM vs. XYZ — Risk / Return Rank

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

CHYM
CHYM Risk / Return Rank: 1414
Overall Rank
CHYM Sharpe Ratio Rank: 1313
Sharpe Ratio Rank
CHYM Sortino Ratio Rank: 1515
Sortino Ratio Rank
CHYM Omega Ratio Rank: 1717
Omega Ratio Rank
CHYM Calmar Ratio Rank: 1111
Calmar Ratio Rank
CHYM Martin Ratio Rank: 1717
Martin Ratio Rank

XYZ
XYZ Risk / Return Rank: 5151
Overall Rank
XYZ Sharpe Ratio Rank: 5353
Sharpe Ratio Rank
XYZ Sortino Ratio Rank: 5050
Sortino Ratio Rank
XYZ Omega Ratio Rank: 4949
Omega Ratio Rank
XYZ Calmar Ratio Rank: 5151
Calmar Ratio Rank
XYZ Martin Ratio Rank: 5252
Martin Ratio Rank
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. XYZ - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Chime Financial, Inc (CHYM) and Block, Inc (XYZ). 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.


CHYMXYZDifference
Sharpe ratioReturn per unit of total volatility

-0.99

Sortino ratioReturn per unit of downside risk

-1.56

Omega ratioGain probability vs. loss probability

0.91

1.09

-0.18

Calmar ratioReturn relative to maximum drawdown

-0.81

0.35

-1.16

Martin ratioReturn relative to average drawdown

-1.16

0.80

-1.96

CHYM vs. XYZ - Sharpe Ratio Comparison

The current CHYM Sharpe Ratio is -0.70, which is lower than the XYZ Sharpe Ratio of 0.29. The chart below compares the historical Sharpe Ratios of CHYM and XYZ, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.


Loading charts...

Drawdowns

CHYM vs. XYZ - Drawdown Comparison

The maximum CHYM drawdown since its inception was -61.77%, smaller than the maximum XYZ drawdown of -86.08%. Use the drawdown chart below to compare losses from any high point for CHYM and XYZ.


Loading charts...

Drawdown Indicators


CHYMXYZDifference

Max Drawdown

Largest peak-to-trough decline

-61.77%

-86.08%

+24.31%

Max Drawdown (1Y)

Largest decline over 1 year

-54.59%

-39.48%

-15.11%

Max Drawdown (3Y)

Largest decline over 3 years

-52.96%

Max Drawdown (5Y)

Largest decline over 5 years

-86.08%

Max Drawdown (10Y)

Largest decline over 10 years

-86.08%

Current Drawdown

Current decline from peak

-61.23%

-74.32%

+13.09%

Average Drawdown

Average peak-to-trough decline

-45.36%

-41.12%

-4.24%

Ulcer Index

Depth and duration of drawdowns from previous peaks

38.11%

17.20%

+20.91%

Volatility

CHYM vs. XYZ - Volatility Comparison

Chime Financial, Inc (CHYM) has a higher volatility of 16.62% compared to Block, Inc (XYZ) at 14.11%. This indicates that CHYM's price experiences larger fluctuations and is considered to be riskier than XYZ based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


Loading charts...

Volatility by Period


CHYMXYZDifference

Volatility (1M)

Calculated over the trailing 1-month period

16.62%

14.11%

+2.51%

Volatility (6M)

Calculated over the trailing 6-month period

44.34%

36.29%

+8.05%

Volatility (1Y)

Calculated over the trailing 1-year period

63.39%

47.13%

+16.26%

Volatility (5Y)

Calculated over the trailing 5-year period, annualized

65.68%

60.05%

+5.63%

Volatility (10Y)

Calculated over the trailing 10-year period, annualized

65.68%

56.72%

+8.96%

Dividends

CHYM vs. XYZ - Dividend Comparison

Neither CHYM nor XYZ has paid dividends to shareholders.


Tickers have no history of dividend payments

Financials

CHYM vs. XYZ - Financials Comparison

This section allows you to compare key financial metrics between Chime Financial, Inc and Block, Inc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.001.00B2.00B3.00B4.00B5.00B6.00BJulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober2026
647.39M
6.06B
(CHYM) Total Revenue
(XYZ) Total Revenue
Values in USD except per share items

CHYM vs. XYZ - Profitability Comparison

The chart below illustrates the profitability comparison between Chime Financial, Inc and Block, Inc over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

Gross Margin
Operating Margin
Net Margin
Quarterly
Annual

20.0%30.0%40.0%50.0%60.0%70.0%80.0%90.0%JulyOctober2022AprilJulyOctober2023AprilJulyOctober2024AprilJulyOctober2025AprilJulyOctober2026
89.6%
48.0%
Portfolio components
CHYM - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Chime Financial, Inc reported a gross profit of 580.31M and revenue of 647.39M. Therefore, the gross margin over that period was 89.6%.

XYZ - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.

CHYM - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Chime Financial, Inc reported an operating income of 46.16M and revenue of 647.39M, resulting in an operating margin of 7.1%.

XYZ - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.

CHYM - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Chime Financial, Inc reported a net income of 53.46M and revenue of 647.39M, resulting in a net margin of 8.3%.

XYZ - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.


Frequently Asked Questions


CHYM and XYZ have a correlation of 0.54, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

CHYM has higher volatility (16.62%) compared to XYZ (14.11%). In terms of maximum drawdown, CHYM dropped -61.77% vs XYZ's -86.08%.

XYZ currently has the higher Sharpe Ratio (0.29 vs -0.70), 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.

Portfolio Optimizer

Find the right allocation for CHYM and XYZ

Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.

Open Portfolio Optimizer