Chime Financial, Inc. (CHYM)
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
- Symbol
- CHYM
- Exchange
- Nasdaq
- Sector
- Technology
- Industry
- Software - Application
- Market cap
- $10.24B
- 52 week range
- 15.88 - 35.55
Valuation
- Share price
- $26.46 (close of 2026-09-23)
- P/E (TTM)
- 8.35x
- Price to book
- 7.29x
- Price to free cash flow
- 32.80x
- Enterprise value
- $9.83B
- Book value per share
- $3.70
Price performance
| Period | Change |
|---|
| 1 day | -11.56% |
| 5 days | -21.27% |
| 1 month | -19.28% |
| 3 months | +58.73% |
| 6 months | +33.77% |
| Year to date | +5.13% |
| 1 year | +10.90% |
| All time | -28.70% |
Profitability and growth
- Return on equity
- -72.05%
- Return on invested capital
- -97.18%
- Return on assets
- -51.41%
- Return on capital employed
- -65.96%
- Gross margin
- 87.97%
- Net margin
- -46.18%
- EBITDA margin
- -46.19%
- Revenue growth
- 30.69%
- Net income growth
- -3884.91%
- Free cash flow growth
- -44.56%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 3.05%
- Current ratio
- 4.62x
- Net debt to EBITDA
- 19.82x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $2.19B
- Cost of revenue
- $263.05M
- Gross profit
- $1.92B
- EBITDA
- $-1.01B
- Net income
- $-1.01B
- Earnings per share
- $-4.27
- Research and development
- $934.92M
- Shares outstanding
- 236.27M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2025-12-31 | $2.19B | $1.92B | $-1.01B | $-4.27 |
| 2024-12-31 | $1.67B | $1.47B | $-25.34M | $-0.39 |
| 2023-12-31 | $1.28B | $1.06B | $-203.20M | $-3.22 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|
| 2025-12-31 | 87.97% | -46.18% | -72.05% | -97.18% |
| 2024-12-31 | 87.60% | -1.51% | 1.31% | - |
| 2023-12-31 | 82.81% | -15.89% | 10.40% | - |
Cash and debt by year
| Period end | Cash |
|---|
| 2025-12-31 | $466.25M |
| 2024-12-31 | $337.70M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $32.89M | $1.07B |
| 2024-12-31 | $59.33M | $29.84M |
| 2023-12-31 | $-167.09M | $26.04M |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-04
- Consensus EPS estimate
- $0.08
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-08-05 | Jun/2026 | - |
| 2026-05-06 | - | - |
| 2026-02-25 | - | - |
| 2025-11-05 | - | - |
| 2025-08-07 | - | - |
Filings and sources
- Company website
- chime.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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