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.

Ticker
CHYM
Exchange
Nasdaq
Sector
Technology
Industry
Software - Application
Market cap
$12.02B
52-week range
$15.88 - $35.55

Valuation

Share price
$31.33 (close of Nov 6, 2026)
P/E (TTM)
154.79x
Price to book
7.80x
Price to free cash flow
28.76x
Enterprise value
$11.62B
Book value per share
$4.02

Price performance

PeriodChange
1 day+3.81%
5 days+12.09%
1 month+13.31%
3 months+0.26%
6 months+44.18%
Year to date+24.47%
1 year+73.19%
All time-15.58%

Short interest

As of
Oct 15, 2026
Short % of float
8.51%
Shares short
25.18M
Days to cover
5.77
Change since prior report
-2.89%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
-72.05%
Return on assets
-51.41%
Net margin
-46.18%
Revenue growth
30.69%
Free cash flow growth
-44.56%

Cash flow and balance sheet

Free cash flow yield (TTM)
3.48%
Current ratio
4.80x
Net debt to EBITDA
-5.16x

Latest reported year

Period end
Dec 31, 2025
Fiscal year
2025
Revenue
$2.19B
Net income
-$1.01B
Earnings per share
$-4.27
Research and development
$934.92M
Shares outstanding
236.27M

Income statement by year

Period endRevenueNet incomeEPS
2025-12-31$2.19B-$1.01B-$4.27
2024-12-31$1.67B-$25.34M-$0.39
2023-12-31$1.28B-$203.20M-$3.22
2022-12-31$1.01B-$470.25M-

Margins and returns by year

Period endNet marginReturn on equity
2025-12-31-46.18%-72.05%
2024-12-31-1.51%-
2023-12-31-15.89%-
2022-12-31-46.61%-

Cash and debt by year

Period endCash
2025-12-31$466.25M
2024-12-31$337.70M
2023-12-31$239.75M
2022-12-31$203.36M

Free cash flow by year

Period endFree cash flowStock-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

Past earnings dates

ReportedFiscal periodEPS estimate
2026-11-04Sep 2026$0.09
2026-08-05Jun 2026-$0.01
2026-05-06Mar 2026$0.03
2026-02-25Dec 2025-$0.20
2025-11-05Sep 2025-$0.25
2025-08-07Jun 2025-$4.85

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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Understanding these figures

Price-to-earnings ratio · Short interest · 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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