| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 |
| NII Growth % | - | - | - |
| Net Interest Margin % | - | - | - |
| Interest Income | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 |
| Loan Loss Provision | 214.69M | 219.74M | 207.51M |
| Non-Interest Income | 1.01B | 1.28B | 1.67B |
| Non-Interest Income % | - | - | - |
| Total Revenue | 1.01B | 1.28B | 1.67B |
| Revenue Growth % | - | 0.27% | 0.31% |
| Non-Interest Expense | 1.27B | 1.29B | 1.53B |
| Efficiency Ratio | - | - | - |
| Operating Income | -478.7M | -235.78M | -62.2M |
| Operating Margin % | - | - | - |
| Operating Income Growth % | - | 0.51% | 0.74% |
| Pretax Income | -470.59M | -202.97M | -22.73M |
| Pretax Margin % | - | - | - |
| Income Tax | -337K | 234K | 2.61M |
| Effective Tax Rate % | - | - | - |
| Net Income | -470.25M | -203.2M | -25.34M |
| Net Margin % | - | - | - |
| Net Income Growth % | - | 0.57% | 0.88% |
| Net Income (Continuing) | -470.25M | -203.2M | -25.34M |
| EPS (Diluted) | -1.29 | -0.56 | -0.07 |
| EPS Growth % | - | 0.57% | 0.88% |
| EPS (Basic) | -1.29 | -0.56 | -0.07 |
| Diluted Shares Outstanding | 364.42M | 364.42M | 364.42M |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 203.36M | 239.75M | 337.7M |
| Short Term Investments | 1000K | 1000K | 1000K |
| Total Investments | 734.61M | 560.88M | 368.89M |
| Investments Growth % | - | -0.24% | -0.34% |
| Long-Term Investments | 0 | 0 | 0 |
| Accounts Receivables | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - |
| Goodwill | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 |
| PP&E (Net) | 146.21M | 157.5M | 142.03M |
| Other Assets | 200K | 914K | 31.97M |
| Total Current Assets | 1.27B | 1.16B | 1.29B |
| Total Non-Current Assets | 146.41M | 158.41M | 174M |
| Total Assets | 1.42B | 1.32B | 1.46B |
| Asset Growth % | - | -0.07% | 0.11% |
| Return on Assets (ROA) | -0.33% | -0.15% | -0.02% |
| Accounts Payable | 20.79M | 22.14M | 35.85M |
| Total Debt | 100.81M | 104.89M | 96.34M |
| Net Debt | -102.56M | -134.85M | -241.36M |
| Long-Term Debt | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 |
| Other Liabilities | 6.66M | 2.16M | 46.11M |
| Total Current Liabilities | 215.51M | 288.65M | 374.82M |
| Total Non-Current Liabilities | 101.2M | 95.09M | 126.7M |
| Total Liabilities | 316.71M | 383.74M | 501.52M |
| Total Equity | 1.1B | 936.51M | 959.52M |
| Equity Growth % | - | -0.15% | 0.02% |
| Equity / Assets (Capital Ratio) | - | - | - |
| Return on Equity (ROE) | -0.43% | -0.2% | -0.03% |
| Book Value per Share | 3.02 | 2.57 | 2.63 |
| Tangible BV per Share | - | - | - |
| Common Stock | 1K | 2K | 2K |
| Additional Paid-in Capital | 353.37M | 384.49M | 433.36M |
| Retained Earnings | -2.14B | -2.34B | -2.36B |
| Accumulated OCI | -6.83M | 720K | 203K |
| Treasury Stock | 0 | 0 | 0 |
| Preferred Stock | 2.89B | 2.89B | 2.89B |
| Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|
| Cash from Operations | -434.13M | -156.59M | 64.14M |
| Operating CF Growth % | - | 0.64% | 1.41% |
| Net Income | -470.25M | -203.2M | -25.34M |
| Depreciation & Amortization | 7.3M | 12.94M | 25.37M |
| Deferred Taxes | 0 | 0 | 0 |
| Other Non-Cash Items | 159.41M | 144.36M | 138.5M |
| Working Capital Changes | -158.94M | -136.73M | -104.23M |
| Cash from Investing | 150.54M | 167.01M | 45.66M |
| Purchase of Investments | -426.7M | -610.67M | -497.58M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - |
| Acquisitions | 0 | 0 | -13.34M |
| Other Investing | -24.18M | -17.31M | -140.1M |
| Cash from Financing | 1.02M | 842K | 456K |
| Dividends Paid | 0 | 0 | 0 |
| Share Repurchases | -508K | -61K | -950K |
| Stock Issued | 0 | 0 | 0 |
| Net Stock Activity | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 0 |
| Other Financing | 1.53M | 903K | 1.41M |
| Net Change in Cash | -282.57M | 11.26M | 110.25M |
| Exchange Rate Effect | 0 | 0 | 0 |
| Cash at Beginning | 511.06M | 228.49M | 239.75M |
| Cash at End | 228.49M | 239.75M | 350M |
| Interest Paid | 0 | 54K | 467K |
| Income Taxes Paid | 208K | 275K | 2.18M |
| Free Cash Flow | -507.05M | -184.41M | 49.67M |
| FCF Growth % | - | 0.64% | 1.27% |
| Metric | 2022 | 2023 | 2024 |
|---|---|---|---|
| Return on Equity (ROE) | -42.71% | -19.95% | -2.67% |
| Return on Assets (ROA) | -33.17% | -14.84% | -1.82% |
| Net Interest Margin | 0% | 0% | 0% |
| Efficiency Ratio | 126.17% | 101.26% | 91.32% |
| Equity / Assets | 77.66% | 70.93% | 65.67% |
| Book Value / Share | 3.02 | 2.57 | 2.63 |
Chime Financial, Inc. Class A Common Stock (CHYM) grew revenue by 30.9% over the past year. This is strong growth.
Chime Financial, Inc. Class A Common Stock (CHYM) reported a net loss of $949.3M for fiscal year 2024.
Chime Financial, Inc. Class A Common Stock (CHYM) has a return on equity (ROE) of -2.7%. Negative ROE indicates the company is unprofitable.
Chime Financial, Inc. Class A Common Stock (CHYM) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Chime Financial, Inc. Class A Common Stock (CHYM) has an efficiency ratio of 91.3%. This is higher than peers, suggesting room for cost optimization.