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Chime Financial, Inc. Class A Common Stock(CHYM)Earnings, Financials & Key Ratios
CHYM•NASDAQ•Banking & Credit
$21.73
$8.7B mkt cap·Price updated May 6, 2026
AboutChime is a mobile-first fintech platform offering fee-free banking services—such as checking, savings, early paycheck access, and overdraft protection—via partnerships with FDIC-insured banks. It focuses on serving consumers earning under $100K/year and earns mainly through interchange fees.Show more
- Net Interest Income$0
- Total Revenue$2.19B+30.7%
- Net Income-$1.01B-3884.9%
- Return on Equity-85.54%-3099.8%
- Net Interest Margin0%
- Efficiency Ratio133.43%+46.1%
- ROA-58.96%-3135.3%
- Equity / Assets71.35%+8.6%
- Book Value per Share0.59-77.5%
- Tangible BV/Share0.58-77.9%
- Debt/Equity0.10-4.3%
CHYM Key Insights
Chime Financial, Inc. Class A Common Stock (CHYM) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Well capitalized: 71.3% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
✗Weaknesses
- ✗Weak Piotroski F-Score: 3/9
- ✗High cost structure: 133.4% efficiency ratio
- ✗Shares diluted 100.0% in last year
- ✗Trading more than 30% below 52-week high
- ✗Expensive at 36.6x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CHYM Price & Volume
Chime Financial, Inc. Class A Common Stock (CHYM) stock price & volume — 10-year historical chart
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CHYM Growth Metrics
Chime Financial, Inc. Class A Common Stock (CHYM) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years29.42%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-
Return on Capital
10 Years-36.23%
5 Years-36.23%
3 Years-35.03%
Last Year-78.11%
CHYM Recent Earnings
Chime Financial, Inc. Class A Common Stock (CHYM) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/9 qtrs (67%)●Beat Revenue 3/9 qtrs (100%)
Q1 2026Latest
Feb 25, 2026EPS
$0.12
Est $0.20
+40.0%
Revenue
$596M
Est $577M
+3.4%
Q4 2025
Nov 5, 2025EPS
$0.15
Est $0.24
+38.4%
Revenue
$544M
Est $531M
+2.3%
Q3 2025
Aug 7, 2025EPS
$7.29
Est $4.85
-50.3%
Revenue
$528M
Est $503M
+5.0%
Q2 2025
Mar 31, 2025EPS
$0.04
Revenue
$519M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $0.12vs $0.20+40.0% | $596Mvs $577M+3.4% |
| Q4 2025 | Nov 5, 2025 | $0.15vs $0.24+38.4% | $544Mvs $531M+2.3% |
| Q3 2025 | Aug 7, 2025 | $7.29vs $4.85-50.3% | $528Mvs $503M+5.0% |
| Q2 2025 | Mar 31, 2025 | $0.04 | $519M |
Based on last 9 quarters of dataView full earnings history →
CHYM Peer Comparison
Chime Financial, Inc. Class A Common Stock (CHYM) competitors in Digital banks and banking-as-a-service — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SOFI | 20.79B | 16.30 | 41.79 | 28.78% | 5.87% | 0.17 | ||
 DAVE | 3.27B | 246.37 | 18.21 | 47.49% | 40.81% | 84.53% | 0.21 | |
 MQ | 1.76B | 4.14 | -137.83 | 23.25% | 0.33% | 0.27% | 0.03 | |
 AFRM | 21.85B | 65.58 | 437.20 | 38.8% | 7.6% | 8.83% | 2.56 | |
 OPFI | 258.44M | 9.75 | 9.85 | 13.52% | 4.41% | 10.12% | 1.10 | |
 PYPL | 42.56B | 46.26 | 8.55 | 4.32% | 25.08% | 0.49 | ||
 GPN | 16.48B | 69.62 | 11.94 | -23.75% | -7.99% | -2.97% | 0.92 | |
 NRDS | 832.14M | 11.20 | 17.50 | 21.67% | 18.34% |
Compare CHYM vs Peers
Chime Financial, Inc. Class A Common Stock (CHYM) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CHYM Income Statement
Chime Financial, Inc. Class A Common Stock (CHYM) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 0 | 0 | 0 |
| NII Growth % | - | - | - | - | 0% |
| Net Interest Margin % | 0% | 0% | 0% | 0% | 0% |
| Interest Income | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 214.69M | 219.74M | 207.51M | 309.03M | 315.68M |
| Non-Interest Income | 1.01B | 1.28B | 1.67B | 2.19B | 2.32B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 1.01B▲ 0% | 1.28B▲ 26.7% | 1.67B▲ 30.9% | 2.19B▲ 30.7% | 2.32B▲ 0% |
| Revenue Growth % | - | 26.73% | 30.88% | 30.69% | 24.8% |
| Non-Interest Expense | 1.27B | 1.29B | 1.53B | 2.92B | 2.94B |
| Efficiency Ratio | 126.17% | 101.26% | 91.32% | 133.43% | 126.79% |
| Operating Income | -478.7M▲ 0% | -235.78M▲ 50.7% | -62.2M▲ 73.6% | -1.04B▼ 1572.0% | -1B▲ 0% |
| Operating Margin % | -47.45% | -18.44% | -3.72% | -47.56% | -43.32% |
| Operating Income Growth % | - | 50.74% | 73.62% | -1572.02% | - |
| Pretax Income | -470.59M▲ 0% | -202.97M▲ 56.9% | -22.73M▲ 88.8% | -1.01B▼ 4338.7% | -969.68M▲ 0% |
| Pretax Margin % | -46.65% | -15.88% | -1.36% | -46.15% | -41.88% |
| Income Tax | -337K | 234K | 2.61M | 831K | -266K |
| Effective Tax Rate % | 0.07% | -0.12% | -11.48% | -0.08% | 0.03% |
| Net Income | -470.25M▲ 0% | -203.2M▲ 56.8% | -25.34M▲ 87.5% | -1.01B▼ 3884.9% | -969.42M▲ 0% |
| Net Margin % | -46.61% | -15.89% | -1.51% | -46.18% | -41.87% |
| Net Income Growth % | - | 56.79% | 87.53% | -3884.91% | - |
| Net Income (Continuing) | -470.25M | -203.2M | -25.34M | -1.01B | -969.42M |
| EPS (Diluted) | -1.29▲ 0% | -0.56▲ 56.6% | -0.07▲ 87.6% | -2.66▼ 3721.8% | -2.42▲ 0% |
| EPS Growth % | - | 56.59% | 87.57% | -3721.84% | - |
| EPS (Basic) | -1.29 | -0.56 | -0.07 | -2.66 | - |
| Diluted Shares Outstanding | 364.42M | 364.42M | 364.42M | 2.36B | 400.48M |
CHYM Balance Sheet
Chime Financial, Inc. Class A Common Stock (CHYM) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|
| Cash & Short Term Investments | 937.97M | 800.63M | 706.59M | 1.05B | 4.24B |
| Cash & Due from Banks | 203.36M | 239.75M | 337.7M | 466.25M | 607.68M |
| Short Term Investments | 734.61M | 560.88M | 368.89M | 587.83M | 403.61M |
| Total Investments | 734.61M | 560.88M | 368.89M | 587.83M | 403.61M |
| Investments Growth % | - | -23.65% | -34.23% | 59.35% | 19.95% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 123.2M | 176.55M | 216.16M | 257.88M | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 27.49M | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 27.49M | 0 |
| PP&E (Net) | 146.21M | 157.5M | 142.03M | 177.75M | 175.71M |
| Other Assets | 200K | 914K | 31.97M | 3.35M | 30.41M |
| Total Current Assets | 1.27B | 1.16B | 1.29B | 1.76B | 1.74B |
| Total Non-Current Assets | 146.41M | 158.41M | 174M | 208.59M | 206.12M |
| Total Assets | 1.42B▲ 0% | 1.32B▼ 6.9% | 1.46B▲ 10.7% | 1.96B▲ 34.5% | 1.95B▲ 0% |
| Asset Growth % | - | -6.88% | 10.66% | 34.47% | 35.82% |
| Return on Assets (ROA) | -33.17% | -14.84% | -1.82% | -58.96% | -49.84% |
| Accounts Payable | 20.79M | 22.14M | 35.85M | 38.68M | 37.92M |
| Total Debt | 100.81M | 104.89M | 96.34M | 134.66M | 120.61M |
| Net Debt | -102.56M | -134.85M | -241.36M | -331.59M | -487.06M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 120.61M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 6.66M | 2.16M | 46.11M | 51.69M | 44.23M |
| Total Current Liabilities | 215.51M | 288.65M | 374.82M | 387.92M | 344.1M |
| Total Non-Current Liabilities | 101.2M | 95.09M | 126.7M | 174.97M | 164.84M |
| Total Liabilities | 316.71M | 383.74M | 501.52M | 562.9M | 508.94M |
| Total Equity | 1.1B▲ 0% | 936.51M▼ 14.9% | 959.52M▲ 2.5% | 1.4B▲ 46.1% | 1.44B▲ 0% |
| Equity Growth % | - | -14.94% | 2.46% | 46.08% | 46.78% |
| Equity / Assets (Capital Ratio) | 77.66% | 70.93% | 65.67% | 71.35% | 73.91% |
| Return on Equity (ROE) | -42.71% | -19.95% | -2.67% | -85.54% | -67.86% |
| Book Value per Share | 3.02 | 2.57 | 2.63 | 0.59 | 3.60 |
| Tangible BV per Share | 3.02 | 2.57 | 2.63 | 0.58 | 3.60 |
| Common Stock | 1K | 2K | 2K | 31K | 31K |
| Additional Paid-in Capital | 353.37M | 384.49M | 433.36M | 4.78B | 0 |
| Retained Earnings | -2.14B | -2.34B | -2.36B | -3.37B | -3.32B |
| Accumulated OCI | -6.83M | 720K | 203K | 172K | -947K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 2.89B | 2.89B | 2.89B | 1.96B | 0 |
CHYM Cash Flow Statement
Chime Financial, Inc. Class A Common Stock (CHYM) cash flow — operating, investing & free cash flow history
| Line item | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|
| Cash from Operations | -434.13M | -156.59M | 64.14M | 52.78M | 52.78M |
| Operating CF Growth % | - | 63.93% | 140.96% | -17.71% | 428.94% |
| Net Income | -470.25M | -203.2M | -25.34M | -1.01B | -969.42M |
| Depreciation & Amortization | 7.3M | 12.94M | 25.37M | 24.87M | 34.74M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 159.41M | 144.36M | 138.5M | 201.26M | 976.25M |
| Working Capital Changes | -158.94M | -136.73M | -104.23M | -234.32M | -109.05M |
| Cash from Investing | 150.54M | 167.01M | 45.66M | -289.69M | -169.08M |
| Purchase of Investments | -426.7M | -610.67M | -497.58M | -5.68B | -4.6B |
| Sale/Maturity of Investments | 650.16M | 805.5M | 701.49M | 521.21M | 703.51M |
| Net Investment Activity | 223.45M | 194.83M | 203.91M | -5.15B | -3.9B |
| Acquisitions | 0 | 0 | -13.34M | 0 | 0 |
| Other Investing | -24.18M | -17.31M | -140.1M | 4.88B | 3.76B |
| Cash from Financing | 1.02M | 842K | 456K | 367.67M | 293.59M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -508K | -61K | -950K | -77.54M | -163.28M |
| Stock Issued | 0 | 0 | 0 | 795.75M | 795.03M |
| Net Stock Activity | -508K | -61K | -950K | 718.21M | 631.75M |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 1.53M | 903K | 1.41M | -350.54M | -423.9M |
| Net Change in Cash | -282.57M▲ 0% | 11.26M▲ 104.0% | 110.25M▲ 879.2% | 130.76M▲ 18.6% | 291.36M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 511.06M | 228.49M | 239.75M | 350M | 480.76M |
| Cash at End | 228.49M | 239.75M | 350M | 480.76M | 622.19M |
| Interest Paid | 0 | 54K | 467K | 0 | -25K |
| Income Taxes Paid | 208K | 275K | 2.18M | 0 | 1.01M |
| Free Cash Flow | -507.05M▲ 0% | -184.41M▲ 63.6% | 49.67M▲ 126.9% | 32.89M▼ 33.8% | 144.35M▲ 0% |
| FCF Growth % | - | 63.63% | 126.94% | -33.78% | - |
CHYM Banking Ratios
Chime Financial, Inc. Class A Common Stock (CHYM) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|
| Return on Equity (ROE) | -19.95% | -2.67% | -85.54% | -67.86% |
| Return on Assets (ROA) | -14.84% | -1.82% | -58.96% | -49.84% |
| Net Interest Margin | 0% | 0% | 0% | 0% |
| Efficiency Ratio | 101.26% | 91.32% | 133.43% | 126.79% |
| Equity / Assets | 70.93% | 65.67% | 71.35% | 73.91% |
| Book Value / Share | 2.57 | 2.63 | 0.59 | 3.6 |
| Dividend Payout | - | - | - | 0% |
CHYM SEC Filings & Documents
Chime Financial, Inc. Class A Common Stock (CHYM) SEC filings — annual & quarterly reports (10-K, 10-Q)
CHYM Frequently Asked Questions
Chime Financial, Inc. Class A Common Stock (CHYM) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Chime Financial, Inc. Class A Common Stock (CHYM) grew revenue by 30.7% over the past year. This is strong growth.
Chime Financial, Inc. Class A Common Stock (CHYM) reported a net loss of $969.4M for fiscal year 2025.
Dividend & Returns
Chime Financial, Inc. Class A Common Stock (CHYM) has a return on equity (ROE) of -85.5%. Negative ROE indicates the company is unprofitable.
Industry Metrics
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 133.4%. This is higher than peers, suggesting room for cost optimization.
Explore More CHYM
Chime Financial, Inc. Class A Common Stock (CHYM) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates