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Chime Financial, Inc.

CHYM

$29.09 ▼ -2.16 (-6.91%) at close

11 Visible periods

25 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Chime Financial, Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $11.1B

Dividend Yield —

Revenue Growth 24.8% ↘

Op. Margin 7.1% ↗

ROIC 3.2% ↗

FCF / Share $0.23

Trailing P/E 207.8x

Price / Book 7.7x

FCF Yield 0.8%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

11-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$647.39M

↑ +24.8% —

Net Income Profit after all expenses

$53.46M

↑ +313.1% —

Operating Margin Operating profit as % of sales

7.1%

↑ +179.1% 5th

FCF / Share Free cash flow per share

$0.23

↑ +452.5% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Returns

Financial Health ↑

Cash Quality

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📈 Is growth accelerating? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue Growth YoY (%)	24.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+313%)	25.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+325%)	28.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+381%)	37.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+524%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	—	N/M	55.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	313.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-128.4% Weak ↓ Weak Declining Year-over-year change in net income	-18.6% Weak Weak Year-over-year change in net income	-18.6% Weak Weak Year-over-year change in net income	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Operating Margin (%) (%)	7.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	-9.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-136%)	-11.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	-176.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-805%)	1.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-5.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-123%)	-7.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	-2.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	—	—	—
Effective Tax Rate (%) (%)	0.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-11.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	8.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-7.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	2.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	2.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	2.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	-4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	3.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	4.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	—	—	—
FCF Margin (%) (%)	13.5% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.5% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	2.8% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.4% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-5.0% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	3.8% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-6.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	1.64x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-0.73x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.19x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	2.20x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-1.99x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.93x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-1.76x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Return on Invested Capital (%)	3.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-4.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-65.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.8% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	0.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-48.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-1.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—
Return on Common Equity (%) (%)	3.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	-3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	-0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	-0.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	—	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Interest Coverage (x)	164.87x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-680.61x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-240.56x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-37225.52x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	55.38x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-232.02x Weak Weak Operating income divided by interest expense Optimal: > 5x	-261.91x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	—
Net Debt (USD)	$-607.68M	$-466.25M	$-445.03M	$-868.28M	$-318.16M	$-337.70M	$-270.82M	$-295.42M	—	$-239.75M	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Revenue per Share (USD)	$1.70	—	$1.46	$4.17	$7.88	—	$6.48	$5.94	—	—	—
Basic EPS, GAAP (USD)	$0.14	$0.83	$-0.15	$-7.29	$0.00	$-0.30	$-0.34	$0.00	—	—	—
Free Cash Flow per Share (USD)	$0.23	—	$0.04	$0.23	$-0.39	—	$-0.43	—	—	—	—
Book Value per Share (USD)	$3.78	—	$3.88	$11.28	$-28.97	$-28.84	$-29.43	$-29.51	—	—	—
Tangible Book Value per Share (USD)	$3.70	—	$3.81	$11.06	$-28.97	$-29.25	$-29.43	$-29.51	—	—	—
Basic Weighted Avg Shares (shares)	381.64M	—	371.83M	126.62M	65.87M	—	65.15M	64.68M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Working Capital (USD)	$1.40B	$1.37B	$1.40B	$1.38B	—	$912.22M	—	—	—	—	—
Total Equity (USD)	$1.44B	$1.40B	$1.44B	$1.43B	$-1.91B	$-1.93B	$-1.92B	$-1.91B	$-1.93B	$-1.95B	$-1.79B

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q4 FY2022 Dec 31, 2022 10-K ↗
Sales/Revenue/Turnover (USD)	$647.39M	$596.36M	$543.52M	$528.15M	$518.74M	$475.21M	$421.87M	$384.21M	—	—	—
Depreciation Expense (USD)	$7.67M	$7.82M	$7.51M	$7.41M	$7.26M	$7.12M	$6.90M	$6.10M	—	—	—
Net Income, GAAP (USD)	$53.46M	$-44.78M	$12.94M	$12.94M	$12.94M	$-19.61M	$15.90M	$15.90M	—	—	—
Operating Cash Flow (USD)	$87.48M	$32.55M	$17.48M	$28.49M	$-25.75M	$18.23M	$-24.93M	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 4 years · 11 quarters

Chime Financial, Inc.

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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