Chime Financial, Inc. (CHYM)

NASDAQ: CHYM · USD

$28.8

+0.25 (+0.9%)· Recorded snapshot

Market cap	10.9B
Revenue (ttm)	2.5B
Net income (ttm)	-18.2M
EPS (ttm)	-$0.05
Shares out	378.6M
P/E (forward)	42.8x
Volume	1,737,890

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.5B
Net income (ttm): -18.2M
EPS (ttm): -$0.05
P/E (forward): 42.8x
Market cap: 10.9B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E42.8

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-1.3

P25 n/aP50 n/aP75 n/a

ROIC15.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CHYM indicators

Market & fundamental data

Available fields

214

Groups with data

Currency

USD

Showing 214 of 214 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001795586
Company name	Chime Financial, Inc.
Country	United States
Country code	US
CUSIP number	16935C109
Earnings date	2026-11-04
Earnings time	amc
Employees	1,519
Enterprise value	$9.9B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2012
Industry	Software - Application
IPO date	2025-06-12
Is primary listing	Yes
Is SPAC	No
ISIN number	US16935C1099
Last 10-K release date	2026-03-06
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$10.9B
Market cap category	Large-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$28.80
Price currency	USD
Sector	Technology
SIC code	6199
Stock price date	2026-10-28
Symbol	CHYM
U.S. state	California
Website	https://www.chime.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings yield	-0.19%
EV/EBIT	26.15x
EV/EBITDA	25.46x
EV/FCF	31.3x
EV/Sales	3.98x
FCF / EV yield	3.19%
FCF yield	2.9%
Forward EV/Sales	3.19x
Forward P/E	42.75x
Forward P/S	3.51x
Industry forward P/E	19.47x
Industry P/E	71.8x
P/(FCF - SBC) ratio	376.27x
P/(OCF - SBC) ratio	175.14x
P/B ratio	7.7x
P/FCF ratio	34.44x
P/OCF ratio	31.17x
P/S ratio	4.38x
Price / tangible book value	7.81x
Price/EBITDA ratio	28.01x
Sector forward P/E	18.55x
Sector P/E	32.64x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	15.21%
EBITDA margin	15.62%
FCF margin	12.71%
Gross margin	88.71%
Operating margin	15.21%
Pretax margin	-0.7%
Profit margin	-0.74%
Profit per employee	$-11,977
Profitable quarters	2
Revenue per employee	$1.6M
ROA	11.98%
ROCE	23.22%
ROE	-1.28%
ROIC	15.06%
SBC / revenue	11.54%
Tax / revenue	0.04%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth (QoQ)	-46.15%
EPS growth quarters	1
EPS growth years	0
FCF growth (Q)	646.67%
FCF growth (QoQ)	144.3%
Gross profit growth	27.69%
Gross profit growth (Q)	29.03%
Net income growth (QoQ)	-47.9%
Net income growth quarters	1
Net income growth years	0
OCF growth (Q)	628.14%
OCF growth (QoQ)	137.17%
Revenue growth	26.39%
Revenue growth (Q)	26.81%
Revenue growth (QoQ)	3.46%
Revenue growth quarters	6
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-32.8M
Depreciation and amortization	$10.2M
EBIT	$373.7M
EBITDA	$383.9M
EPS	$-0.05
FCF per share	$0.82
Financing cash flow	$-242.3M
Free cash flow	$312.2M
Free cash flow minus SBC	$28.6M
Gross profit	$2.2B
Income taxes	$994,000
Investing cash flow	$-383.4M
Net borrowing	$50M
Net cash flow	$-280.7M
Net income	$-18.2M
Operating cash flow minus SBC	$61.4M
Operating income	$373.7M
Revenue	$2.5B
Stock-based compensation	$283.6M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.1
Book value per share	$3.71
Debt / EBITDA	0.44
Debt / equity	0.13
Debt / FCF	0.58
Goodwill	$27.5M
Long-term assets	$207.1M
Long-term liabilities	$204.6M
Net cash (debt)	$979.9M
Net cash / market cap	9.11%
Net cash growth	-12.47%
Net debt / EBITDA	-2.55
Net debt / equity	-0.7
Net debt / FCF	-3.14
Piotroski F-Score	4
Property, plant and equipment	$176.3M
Shareholders' equity	$1.4B
Tangible book value	$1.4B
Tangible book value per share	$3.64
Total assets	$2B
Total cash	$1.2B
Total debt	$180.9M
Total liabilities	$591.8M

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	1.26
Current assets	$1.8B
Current liabilities	$387.2M
Current ratio	4.62
Net working capital	$254.5M
Quick ratio	3.74
Working capital	$1.4B
Working capital turnover	1.77

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-368.14%
Dividend yield	0%
Shareholder yield	-368.14%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$24.20
1D price change	0.88%
1M price change	6.42%
1M total return	6.42%
1W price change	-6.43%
1W total return	-6.43%
1Y price change	50.71%
1Y return CAGR	50.76%
1Y total return	50.71%
20-day SMA	$29.09
200-day SMA	$23.75
3M price change	30.38%
3M total return	30.38%
50-day SMA	$30.44
50-day SMA vs 200-day SMA	50over200
52-week high	$35.55
52-week high date	2026-09-09
52-week low	$15.88
52-week low date	2026-06-11
6M price change	29.14%
6M total return	29.14%
All-time high	$44.94
All-time high date	2025-06-12
All-time low	$15.88
All-time low date	2026-06-11
Average true range (ATR)	$1.13
Average volume	3.5M
Beta (1Y)	2.14
Beta (2Y)	1.97
Change from 52-week high	-18.99%
Change from 52-week low	81.36%
Change from all-time high	-36.58%
Change from all-time low	79.47%
Change from open	0.14%
Day's gap	0.74%
Dollar volume	$50.1M
High price	$29.01
Low price	$28.27
Monthly RSI	52.92
Open price	$28.76
Position in 52-week range	71.62%
Premarket change	0.18%
Premarket close	$28.55
Premarket price	$28.60
Previous close	$28.55
Price vs 150-day SMA	17.78%
Price vs 20-day SMA	-2.02%
Price vs 200-day SMA	20.01%
Price vs 50-day SMA	-6.36%
Relative volume	0.49
Return from IPO open	-33.95%
Return from IPO price	5.19%
RSI	44.27
Sharpe ratio	0.9
Sortino ratio	1.51
Volume	1.7M
Weekly RSI	54.09
YTD price change	13.23%
YTD total return	13.23%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	242.1M
Float percentage	63.96%
Shares change (QoQ)	-1.76%
Shares change (YoY)	368.14%
Shares held by insiders	9.84%
Shares held by institutions	52.42%
Shares outstanding	378.6M
Short % of float	10.4%
Short % of shares	6.65%
Short ratio	3.3 days

Deeper analysis on CHYM

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this CHYM report

Is a complete CHYM research report available?

No complete published report is available for Chime Financial, Inc. (CHYM) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Chime Financial, Inc. (CHYM)

Price

Financial snapshot

Fair-value bridge

Latest news · CHYM

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CHYM indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CHYM

Frequently asked questions