Latest Ratios: P/E Ratio -10.5x · EV/EBITDA N/A · ROE -85.5%. (2022–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Market Cap | $10.4B | $9.8B | — | — | — |
| Enterprise Value | $10.1B | $9.4B | — | — | — |
| P/E Ratio → | -10.48 | — | — | — | — |
| P/S Ratio | 4.75 | 4.47 | — | — | — |
| P/B Ratio | 7.55 | 6.97 | — | — | — |
| P/FCF | 315.65 | 297.03 | — | — | — |
| P/OCF | 196.72 | 185.11 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| EV / Revenue | — | 4.32 | — | — | — |
| EV / EBITDA | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — |
| EV / FCF | — | 286.95 | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
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% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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)
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — |
| FCF Yield | 0.3% | 0.3% | — | — | — |
| Buyback Yield | 0.7% | 0.8% | — | — | — |
| Total Shareholder Yield | 0.7% | 0.8% | — | — | — |
| Shares Outstanding | — | $388M | $364M | $364M | $364M |
Includes 30+ ratios · 4 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CHYM stock.
Chime Financial, Inc. Class A Common Stock's current P/E ratio is -10.5x. This places it at the 50th percentile of its historical range.
Chime Financial, Inc. Class A Common Stock's return on equity (ROE) is -85.5%. The historical average is -37.7%.
Based on historical data, Chime Financial, Inc. Class A Common Stock is trading at a P/E of -10.5x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Chime Financial, Inc. Class A Common Stock has 85.9% gross margin and -47.6% operating margin.
Key Metrics
Top Statement Risk
Interchange revenue concentration
Metrics are mathematically derived from official filings.
Premium Priced for Platform Potential
Chime trades at 8.91x tangible book value, a premium to SoFi's 2.20x, reflecting market pricing for high-growth fintech distribution rather than a traditional regional bank. According to recent market data, this implies expectations of sustained above-peer returns on tangible equity.
The P/B multiple of 8.91x is more than four times SoFi's, indicating investors are underwriting Chime's user acquisition and interchange model as a scalable software-like asset. However, with a forward P/E of 81.97x, the market is pricing in a dramatic margin expansion from current levels, which appears aggressive given the deeply negative operating margin. The valuation appears to hinge on the durability of interchange revenue and the path to core operating profitability, both of which remain unproven.
ROE Recovery Masks Operating Losses
ROE swung from -76.6% in Q2 2025 to 2.0% in Q2 2026, yet the operating margin remains deeply negative at -47.6%, as reported in financial statements. This suggests net income is not yet derived from core operations, warranting scrutiny of earnings quality.
The DuPont decomposition reveals that Chime's profitability is entirely fee-driven, with no net interest income, and its return on assets of 1.4% in Q2 2026 is supported by a thin equity base (equity/assets of 0.70). The recent GAAP profitability appears to be influenced by non-operating items, as the operating margin is still deeply negative. Investors should monitor whether core operating leverage can close the gap between gross margins of 85.87% and the current operating loss.
Efficiency Improves but Remains Elevated
Chime's efficiency ratio improved to 81.3% in Q2 2026 from 97.9% in Q4 2025, according to recent financial statements, yet it remains well above traditional banks. This indicates ongoing cost pressures despite revenue growth of 30.7% year-over-year.
The improvement in the efficiency ratio suggests some operating leverage is emerging, but the absolute level remains high, reflecting heavy investment in marketing and technology. With no net interest income, Chime's cost structure is entirely dependent on fee revenue, making it vulnerable to regulatory changes that could compress interchange fees. The path to a more normalized efficiency ratio (below 60%) will require sustained revenue growth without proportional cost increases.
Thin Equity Base Limits Buffer
Equity-to-assets stood at 0.70 in Q2 2026, as per balance sheet data, indicating a highly leveraged capital structure with limited loss-absorption capacity. This thin buffer may constrain future growth and capital return initiatives.
Chime's equity-to-assets ratio of 0.70 is low compared to traditional banks, which typically maintain ratios above 0.90. While the company holds $536.0M in cash and $527.4M in securities, the equity base is small relative to total assets, amplifying the impact of any credit losses. The recent resumption of share repurchases, totaling $136.3M in Q2 2026, may further reduce the equity buffer, warranting monitoring of capital adequacy.
Provision Growth Signals Rising Credit Risk
Loan loss provisions rose to $86.7M in Q2 2026 from $66.1M in Q4 2025, according to recent earnings data, representing 15% of revenue. This suggests increasing credit risk in Chime's SpotMe and other lending-like features.
The growth in provisions indicates that Chime's credit-like products are experiencing higher expected losses, which could pressure profitability if the trend continues. The lack of a traditional allowance for loan losses may obscure the true extent of credit risk, as these advances are not classified as loans. Investors should monitor the performance of SpotMe and similar features, as a deterioration in repayment behavior could lead to higher charge-offs and further margin compression.
P/E Misleads on Earnings Quality
Chime's negative trailing P/E and high forward P/E of 81.97x obscure the fact that recent GAAP profitability is not driven by core operations, as operating margin remains -47.6%. According to reported figures, investors should focus on P/B and operating margin trends instead.
The P/E ratio is commonly misapplied to Chime because its earnings are volatile and influenced by non-operating items, such as interest income or one-time gains. A more appropriate metric is P/B, which at 8.91x reflects the market's valuation of the franchise and growth potential. Additionally, the operating margin is a better indicator of underlying profitability, and its deeply negative level suggests that the current earnings are not sustainable without significant cost reductions or revenue acceleration.