Chime Financial, Inc. Class A Common Stock (CHYM) Financial Ratios
4 years of historical data (2022–2025) · Financial Services · Banks - Regional
EV/EBITDA
N/A
—
5yr avg: N/A
P/FCF
206.00
↓-89% vs avg
5yr avg: 1807.96
P/B Ratio
28.52
↓-33% vs avg
5yr avg: 42.43
30Y Low42.4·High42.4
ROE
↓
-85.5%
↑-127% vs avg
5yr avg: -37.7%
30Y Low-86%·High-3%
Debt/EBITDA
N/A
—
5yr avg: N/A
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
CHYM Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Chime Financial, Inc. Class A Common Stock currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 206.0x P/FCF, 89% below the 5-year average of 1808.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Market Cap | $6.8B | $59.5B | — | — | — |
| Enterprise Value | $6.4B | $59.1B | — | — | — |
| P/E Ratio → | -6.36 | — | — | — | — |
| P/S Ratio | 3.10 | 27.20 | — | — | — |
| P/B Ratio | 28.52 | 42.43 | — | — | — |
| P/FCF | 206.00 | 1807.96 | — | — | — |
| P/OCF | 128.38 | 1126.74 | — | — | — |
P/E links to full P/E history page with 30-year chart
CHYM EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| EV / Revenue | — | 27.04 | — | — | — |
| EV / EBITDA | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — |
| EV / FCF | — | 1797.88 | — | — | — |
CHYM Profitability
Margins and return-on-capital ratios measuring operating efficiency
Chime Financial, Inc. Class A Common Stock earns an operating margin of -47.6%, below the Financial Services sector average of 20.3%. Operating margins have compressed from -18.4% to -47.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. A negative ROE of -85.5% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Gross Margin | 85.9% | 85.9% | 87.6% | 82.8% | 78.7% |
| Operating Margin | -47.6% | -47.6% | -3.7% | -18.4% | -47.5% |
| Net Profit Margin | -46.2% | -46.2% | -1.5% | -15.9% | -46.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| ROE | -85.5% | -85.5% | -2.7% | -19.9% | -42.7% |
| ROA | -59.0% | -59.0% | -1.8% | -14.8% | -33.2% |
| ROIC | -60.2% | -60.2% | -4.4% | -15.8% | -29.9% |
| ROCE | -78.1% | -78.1% | -5.9% | -21.1% | -39.8% |
CHYM Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $466M exceeds total debt of $135M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.10 | 0.10 | 0.11 | 0.09 |
| Debt / EBITDA | — | — | — | — | — |
| Net Debt / Equity | — | -0.24 | -0.25 | -0.14 | -0.09 |
| Net Debt / EBITDA | — | — | — | — | — |
| Debt / FCF | — | -10.08 | -4.86 | — | — |
| Interest Coverage | — | — | — | — | — |
Net cash position: cash ($466M) exceeds total debt ($135M)
CHYM Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Chime Financial, Inc. Class A Common Stock's current ratio of 4.53x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 4.03x to 4.53x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Current Ratio | 4.53 | 4.53 | 3.43 | 4.03 | 5.90 |
| Quick Ratio | 4.53 | 4.53 | 3.43 | 4.03 | 5.90 |
| Cash Ratio | 1.20 | 1.20 | 0.90 | 0.83 | 0.94 |
| Asset Turnover | — | 1.11 | 1.15 | 0.97 | 0.71 |
| Inventory Turnover | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — |
CHYM Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Chime Financial, Inc. Class A Common Stock returns 1.1% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — |
| FCF Yield | 0.5% | 0.1% | — | — | — |
| Buyback Yield | 1.1% | — | — | — | — |
| Total Shareholder Yield | 1.1% | — | — | — | — |
| Shares Outstanding | — | $2.4B | $364M | $364M | $364M |
Peer Comparison
Compare CHYM with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 CHYMYou | $7B | -6.4 | — | 206.0 | 85.9% | -47.6% | -85.5% | -60.2% | — |
 SOFI | $22B | 43.8 | 24.6 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 DAVE | $4B | 22.9 | 86.4 | 14.4 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 MQ | $2B | -125.3 | — | 9.9 | 11.2% | -4.7% | -1.5% | — | — |
 AFRM | $24B | 481.3 | 221.7 | 40.0 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 OPFI | $721M | 8.4 | 5.1 | 1.9 | 95.1% | 32.4% | 9.7% | 26.4% | 1.7 |
 PYPL | $37B | 7.8 | 5.6 | 6.7 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
 GPN | $15B | 11.2 | 10.0 | 7.6 | 72.6% | 19.1% | 6.0% | 3.0% | 7.6 |
 NRDS | $603M | 12.9 | 4.3 | 4.6 | 92.4% | 8.3% | 13.2% | 14.0% | — |
 LMND | $4B | -25.0 | — | — | 40.3% | -21.8% | -29.4% | -36.8% | — |
 UPST | $3B | 69.6 | 52.9 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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CHYM — Frequently Asked Questions
Quick answers to the most common questions about buying CHYM stock.
What is Chime Financial, Inc. Class A Common Stock's P/E ratio?
Chime Financial, Inc. Class A Common Stock's current P/E ratio is -6.4x. This places it at the 50th percentile of its historical range.
What is Chime Financial, Inc. Class A Common Stock's ROE?
Chime Financial, Inc. Class A Common Stock's return on equity (ROE) is -85.5%. The historical average is -37.7%.
Is CHYM stock overvalued?
Based on historical data, Chime Financial, Inc. Class A Common Stock is trading at a P/E of -6.4x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Chime Financial, Inc. Class A Common Stock's profit margins?
Chime Financial, Inc. Class A Common Stock has 85.9% gross margin and -47.6% operating margin.