Last 6 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Chime Financial, Inc. Class A Common Stock's quarterly P/E stands at 36.0x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q1 '24 |
|---|---|---|---|---|---|---|---|
| P/E Ratio → | -6.62 | 36.02 | — | — | — | — | — |
| — | — | — | — | — | — | — | |
| P/S Ratio | 3.22 | 2.90 | 3.97 | 3.44 | 6.06 | — | — |
| — | — | — | — | — | — | — | |
| P/B Ratio | 29.67 | 5.20 | 6.75 | 5.18 | 8.96 | — | — |
| — | — | — | — | — | — | — | |
| P/FCF | 214.28 | 23.43 | 134.64 | 81.47 | 139.24 | — | — |
| — | — | — | — | — | — | — | |
| EV / EBITDA | — | 32.58 | — | — | — | — | — |
| — | — | — | — | — | — | — | |
| EV / EBIT | — | 32.53 | — | — | — | — | — |
| — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Chime Financial, Inc. Class A Common Stock's operating margin was 7.1% in Q1 2026, up 16.1 pp QoQ and up 5.4 pp YoY. This marks the 4th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of -47.5% lags the current quarter, suggesting the recent improvement is above-trend.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q1 '24 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 85.9% | 87.8% | 88.9% | 87.2% | 87.3% | 88.4% | 87.9% |
| — | -0.6% | +1.2% | — | — | — | — | |
| Operating Margin | -47.6% | 7.1% | -9.0% | -11.9% | -176.2% | 1.8% | 1.3% |
| — | +304.8% | -802.3% | — | — | — | — | |
| Net Margin | -46.2% | 8.3% | -7.5% | -10.1% | -174.8% | 2.5% | 4.1% |
| — | +231.0% | -285.1% | — | — | — | — |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q1 '24 |
|---|---|---|---|---|---|---|---|
| ROE | -85.5% | 3.8% | -3.1% | -3.8% | -76.6% | 1.3% | 1.7% |
| — | +178.8% | -285.4% | — | — | — | — | |
| ROA | -59.0% | 2.7% | -2.3% | -2.8% | -55.3% | 0.9% | — |
| — | +203.1% | — | — | — | — | — | |
| ROIC | -60.2% | 2.2% | -2.6% | -3.1% | -53.9% | 0.7% | 0.4% |
| — | +227.8% | -742.0% | — | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Chime Financial, Inc. Class A Common Stock's Debt/EBITDA ratio is 2.2x — at a moderate level that warrants monitoring. The current ratio has improved 33.6% YoY to 5.07x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q1 '24 |
|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.08 | 0.10 | 0.10 | 0.06 | 0.09 | — |
| — | -10.4% | — | — | — | — | — | |
| Debt / EBITDA | — | 2.24 | — | — | — | 5.59 | — |
| — | -59.9% | — | — | — | — | — | |
| Current Ratio | 4.53 | 5.07 | 4.53 | 4.94 | 4.83 | 3.80 | — |
| — | +33.6% | — | — | — | — | — | |
| Quick Ratio | 4.53 | 5.07 | 4.53 | 4.94 | 4.83 | 3.80 | — |
| — | +33.6% | — | — | — | — | — | |
| Interest Coverage | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — |
Includes 30+ ratios · 6 years · Updated daily
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Quick answers to the most common questions about buying CHYM stock.
Chime Financial, Inc. Class A Common Stock's current P/E is -6.6x. The average P/E over the last 1 quarters is 36.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Chime Financial, Inc. Class A Common Stock's current operating margin is -47.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Chime Financial, Inc. Class A Common Stock's business trajectory between earnings reports.