CHYM vs. XYZ

Last updated Jun 4, 2026

CHYM (Chime Financial, Inc) and XYZ (Block, Inc) are both stocks. Both are in the Technology sector — CHYM in Software - Application, XYZ in Software - Infrastructure. A 0.52 correlation means they provide meaningful diversification when combined.

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.

Returns By Period

In the year-to-date period, CHYM achieves a -29.88% return, which is significantly lower than XYZ's 7.24% return.

CHYM

• 1D: -5.11%
• 1M: -20.06%
• YTD: -29.88%
• 6M: -21.66%
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

XYZ

• 1D: -5.87%
• 1M: -2.92%
• YTD: 7.24%
• 6M: 14.22%
• 1Y: 9.90%
• 3Y*: 3.23%
• 5Y*: -20.05%
• 10Y*: 22.12%

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

CHYM vs. XYZ - Yearly Performance Comparison

	2026 (YTD)	2025
CHYM Chime Financial, Inc	-29.88%	-32.17%
XYZ Block, Inc	7.24%	1.94%

Correlation

The correlation between CHYM and XYZ is 0.52, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.

	Correlation
Correlation (All Time) Calculated using the full available price history since Jun 13, 2025	0.52

Fundamentals

Market Cap CHYM : $7.07B XYZ : $41.71B
EPS CHYM : -$2.55 XYZ : $1.31
PS Ratio CHYM : 2.89 XYZ : 1.75
PB Ratio CHYM : 4.90 XYZ : 1.92
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

Return for Risk

CHYM vs. XYZ — Risk / Return Rank

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

XYZ

XYZ Risk / Return Rank: 46
XYZ Sharpe Ratio Rank: 49
XYZ Sortino Ratio Rank: 45
XYZ Omega Ratio Rank: 44
XYZ Calmar Ratio Rank: 46
XYZ Martin Ratio Rank: 47

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.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	CHYM	XYZ	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	0.21	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	-0.34	—
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.39	—
Sharpe Ratio (All Time) Calculated using the full available price history	-0.83	0.30	-1.13

Drawdowns

CHYM vs. XYZ - Drawdown Comparison

The maximum CHYM drawdown since its inception was -54.43%, 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.

Drawdown Indicators

	CHYM	XYZ	Difference
Max Drawdown Largest peak-to-trough decline	-54.43%	-86.08%	+31.65%
Max Drawdown (1Y) Largest decline over 1 year	—	-39.48%	—
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	-52.44%	-75.23%	+22.79%
Average Drawdown Average peak-to-trough decline	-35.92%	-40.98%	+5.06%
Ulcer Index Depth and duration of drawdowns from previous peaks	—	16.97%	—

Volatility

Volatility by Period

	CHYM	XYZ	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	13.29%	—
Volatility (6M) Calculated over the trailing 6-month period	—	35.69%	—
Volatility (1Y) Calculated over the trailing 1-year period	64.72%	46.59%	+18.13%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	64.72%	59.97%	+4.75%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	64.72%	56.68%	+8.04%

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 - 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.

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

Can I hold both CHYM and XYZ in my portfolio?

CHYM and XYZ have a correlation of 0.52, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.