The company maintains a healthy capital structure with $1.4B in equity and an equity-to-assets ratio of 0.74 as of 2026Q1, providing a cushion against ongoing operational volatility.
| Cash & Short Term Investments | 4.24B | 1.05B | 706.59M | 800.63M | 937.97M |
| Cash & Due from Banks | 607.68M | 466.25M | 337.7M | 239.75M | 203.36M |
| Short Term Investments | 403.61M | 587.83M | 368.89M | 560.88M | 734.61M |
| Total Investments | 403.61M | 587.83M | 368.89M | 560.88M | 734.61M |
| Investments Growth % | 19.95% | 59.35% | -34.23% | -23.65% | - |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 294.34M | 257.88M | 216.16M | 176.55M | 123.2M |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 175.71M | 177.75M | 142.03M | 157.5M | 146.21M |
| Other Assets | 30.41M | 30.85M | 31.97M | 914K | 200K |
| Total Current Assets | 1.74B | 1.76B | 1.29B | 1.16B | 1.27B |
| Total Non-Current Assets | 206.12M | 208.59M | 174M | 158.41M | 146.41M |
| Total Assets | 1.95B | 1.96B | 1.46B | 1.32B | 1.42B |
| Asset Growth % | 35.82% | 34.47% | 10.66% | -6.88% | - |
| Return on Assets (ROA) | -49.84% | -58.96% | -1.82% | -14.84% | -33.17% |
| Accounts Payable | 37.92M | 38.68M | 35.85M | 22.14M | 20.79M |
| Total Debt | 120.61M | 134.66M | 96.34M | 104.89M | 100.81M |
| Net Debt | -487.06M | -331.59M | -241.36M | -134.85M | -102.56M |
| Long-Term Debt | 120.61M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 44.23M | 51.69M | 46.11M | 2.16M | 6.66M |
| Total Current Liabilities | 344.1M | 387.92M | 374.82M | 288.65M | 215.51M |
| Total Non-Current Liabilities | 164.84M | 174.97M | 126.7M | 95.09M | 101.2M |
| Total Liabilities | 508.94M | 562.9M | 501.52M | 383.74M | 316.71M |
| Total Equity | 1.44B | 1.4B | 959.52M | 936.51M | 1.1B |
| Equity Growth % | 46.78% | 46.08% | 2.46% | -14.94% | - |
| Equity / Assets (Capital Ratio) | 73.91% | 71.35% | 65.67% | 70.93% | 77.66% |
| Return on Equity (ROE) | -67.86% | -85.54% | -2.67% | -19.95% | -42.71% |
| Book Value per Share | 3.60 | 0.59 | 2.63 | 2.57 | 3.02 |
| Tangible BV per Share | 3.60 | 0.59 | 2.63 | 2.57 | 3.02 |
| Common Stock | 31K | 31K | 2K | 2K | 1K |
| Additional Paid-in Capital | 0 | 4.78B | 433.36M | 384.49M | 353.37M |
| Retained Earnings | -3.32B | -3.37B | -2.36B | -2.34B | -2.14B |
| Accumulated OCI | -947K | 172K | 203K | 720K | -6.83M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 2.89B | 2.89B | 2.89B |
Regulatory interchange fee compression
As reported in recent financial statements, Chime's total assets reached $2.0B in 2026Q1, reflecting a consistent expansionary trend that suggests the firm is successfully scaling its platform footprint despite the absence of a traditional interest-earning loan book to drive balance sheet growth.
The stability of the $2.0B asset base over the last three quarters indicates a transition from rapid, volatile growth to a more deliberate scaling phase. Investors should monitor whether this asset plateauing is a strategic choice to preserve capital or a sign of market saturation in the core user demographic.
Based on the company's reported figures, the equity position of $1.4B as of 2026Q1 provides a substantial cushion, maintaining an equity-to-assets ratio of 0.74 that appears to offer significant protection against the firm's ongoing operating losses and potential regulatory capital requirements.
While the capital position appears robust, the reliance on equity to absorb losses rather than generating internal capital through earnings warrants caution. The current capital structure suggests the firm is well-positioned to weather short-term volatility, but long-term sustainability remains contingent on achieving a consistent path to profitability.
According to quarterly filings, Chime's liquidity profile remains dynamic, with cash and bank balances of $607.7M in 2026Q1, complemented by a $403.6M investment securities portfolio that indicates an active approach to managing excess liquidity rather than holding idle cash on the balance sheet.
The fluctuation in the securities portfolio, which dropped from $633.7M in 2025Q3 to $403.6M in 2026Q1, suggests that management is utilizing these assets to fund operational needs or cover credit-related costs. This active liquidity management is essential for a firm without a traditional deposit-funded lending model, though it exposes the balance sheet to potential market value volatility.
As disclosed in recent financial statements, provision expenses for loan losses climbed to $78.9M in 2026Q1, a notable increase from the $47.4M reported in 2024Q1, which suggests that the firm is absorbing higher credit-related costs as it expands its liquidity-advancing features.
The rising provision expense implies that the 'SpotMe' and similar features are carrying an increasing credit risk profile that may not be fully captured by traditional banking metrics. Analysts should investigate whether these costs are scaling linearly with user growth or if they indicate a potential deterioration in the underlying credit quality of the user base.
Quick answers to the most common questions about buying CHYM stock.
As of 2025, Chime Financial, Inc. Class A Common Stock (CHYM) had total assets of $1.96B including $1.76B in current assets.
Chime Financial, Inc. Class A Common Stock (CHYM) carries total debt of $134.7M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Chime Financial, Inc. Class A Common Stock (CHYM) has total shareholders' equity (book value) of $1.40B ($0.59 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Chime Financial, Inc. Class A Common Stock (CHYM) reported a current ratio of 4.53x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.