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Saturday 31 October 2026
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Chime Financial, Inc.
CHYM Technology Software Application
Chime Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.2 billion, up 30.7% from fiscal 2024. In the quarter to June 2026, revenue grew 26.8%, EPS grew 101.0% and free cash flow grew 749.1%, each against the same quarter a year earlier.
27.94
0.93
−3.22%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Price, $ | |||||||||||||||||
| Price, $ | Low | — | — | — | — | — | — | — | — | — | 16.17 | — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | |
| High | — | — | — | — | — | — | — | — | — | 44.94 | — | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ||
| People | |||||||||||||||||
| People | Employees | — | — | — | — | — | — | — | — | 1,465 | 1,519 | +3.7% | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | |
| Revenue/emp, $m | — | — | — | — | — | — | — | 0.00 | 1.14 | 1.44 | n/m | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ||
| Income, $m | |||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | — | — | 1,278 | 1,673 | 2,187 | +30.8% | 2,770 | 3,367 | 3,982 | +22.1% | |
| Gross margin, % | — | — | — | — | — | — | — | 82.81 | 87.60 | 87.97 | +5.2 pt | ||||||
| EBT | — | — | — | — | — | — | — | (203) | (23) | (1,009) | +123.0% | ||||||
| EBT margin, % | — | — | — | — | — | — | — | (15.88) | (1.36) | (46.15) | (30.3) pt | ||||||
| Net income | — | — | — | — | — | — | — | (203) | (25) | (1,010) | +122.9% | ||||||
| Depreciation | — | — | — | — | — | — | — | (2) | 13 | 25 | n/m | ||||||
| Per share, $ | |||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | — | — | 20.26 | 25.78 | 9.26 | (32.4%) | |||||
| Earnings | — | — | — | — | — | — | — | (3.22) | (0.39) | (4.27) | +15.2% | ||||||
| Cash flow | — | — | — | — | — | — | — | (2.48) | 0.99 | 0.22 | n/m | ||||||
| Capex | — | — | — | — | — | — | — | (0.44) | (0.22) | (0.12) | (47.5%) | ||||||
| Free cash flow | — | — | — | — | — | — | — | (2.92) | 0.77 | 0.10 | n/m | ||||||
| Book value | — | — | — | — | — | — | — | 0.00 | (29.74) | 5.93 | n/m | ||||||
| Shares, m | — | — | — | — | — | — | — | 63 | 65 | 236 | +93.5% | ||||||
| Valuation, × | |||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.0 | |||||
| P/S | — | — | — | — | — | — | — | 0.00 | 0.00 | 2.72 | 0.9 | ||||||
| P/B | — | — | — | — | — | — | — | 0.00 | 0.00 | 4.24 | 1.4 | ||||||
| EV/Sales | — | — | — | — | — | — | — | 0.00 | 0.00 | 2.20 | 0.7 | ||||||
| EV/FCF | — | — | — | — | — | — | — | 84.99 | 84.99 | 199.78 | 123.3 | ||||||
| Cash, $m | |||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | — | — | (157) | 64 | 53 | n/m | |||||
| Capex | — | — | — | — | — | — | — | (28) | (14) | (29) | +1.6% | ||||||
| Free cash flow | — | — | — | — | — | — | — | (184) | 50 | 24 | n/m | ||||||
| Balance, $m | |||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | — | — | — | 912 | 1,368 | +50.0% | |||||
| Total debt | — | — | — | — | — | — | — | — | — | — | — | ||||||
| Net debt | — | — | — | — | — | — | — | — | (819) | (1,140) | +39.3% | ||||||
| Shareholders’ equity | — | — | — | — | — | — | — | — | (1,931) | 1,402 | n/m | ||||||
| Returns, % | |||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | — | — | 0.00 | (3.47) | (58.96) | (59.0) pt | |||||
| ROIC | — | — | — | — | — | — | — | 0.00 | 0.00 | (248.53) | (248.5) pt | ||||||
| ROE | — | — | — | — | — | — | — | 0.00 | 0.00 | 381.90 | +381.9 pt | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026
Chime Financial, Inc. vs peers in Software Application (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| FROG JFrog Ltd. | $12.2B | — (loss-making) | — (loss-making) | +28.73% (above 0%: growing) | n/m | +51.58% (above 0%: growing) | 77.93% | (8.09%) | Compare |
| BSY Bentley Systems, Incorporated | $12.0B | 43.9× | 37.9× | +12.80% (above 0%: growing) | +13.64% (above 0%: growing) | +11.94% (above 0%: growing) | 81.99% | 21.57% | Compare |
| HUBS HubSpot, Inc. | $12.0B | 83.1× | 72.8× | +19.83% (above 0%: growing) | n/m | +44.84% (above 0%: growing) | 82.35% | 4.75% | Compare |
| FIG Figma, Inc. | $11.9B | — (loss-making) | — (loss-making) | +48.25% (above 0%: growing) | n/m | −16.79% (below 0%: shrinking) | 83.66% | (31.69%) | Compare |
| PAYC Paycom Software, Inc. | $11.5B | 27.8× | 25.7× | +9.84% (above 0%: growing) | +47.17% (above 0%: growing) | +212.66% (above 0%: growing) | 83.23% | 31.72% | Compare |
| GRAB Grab Holdings Limited | $11.3B | 19.4× | 19.7× | +21.73% (above 0%: growing) | +500.00% (above 0%: growing) | −40.38% (below 0%: shrinking) | 43.63% | 1.91% | Compare |
| ESTC Elastic N.V. | $11.0B | 27.0× | 396× | +15.13% (above 0%: growing) | n/m | +26.14% (above 0%: growing) | 74.50% | (4.93%) | Compare |
| CHYM Chime Financial, Inc. | $10.9B | — (loss-making) | 63.6× | +26.81% (above 0%: growing) | n/m | +749.07% (above 0%: growing) | 88.82% | 3.18% | |
| QNT Quantinuum Inc. | $9.9B | — | — | — | n/m | — | (28.93%) | (6,939.56%) | Compare |
| Median of peers | $11.7B | 27.8× | 37.9× | +19.83% | +47.17% | +26.14% | 79.96% | (1.51%) |
Pay and ownership Proxy statement filed 17 April 2026
Chief executive’s pay
| Year | Total pay | Actually paid | $100 invested |
|---|---|---|---|
| 2025 | 98.94m | 83.49m | 68.00 |
Ownership
Directors and executive officers, together
66.20% of the votes
Christopher Britt
34.30% of the votes
Ryan King
31.10% of the votes
Entities affiliated with DST Global
5.30% of the votes
Entities affiliated with Crosslink Capital
2.90% of the votes
Entities affiliated with AI Bells
2.00% of the votes
General Atlantic (CH), L.P.
1.90% of the votes
Entities affiliated with Menlo Ventures
1.80% of the votes
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards
at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s
shares at the start of the earliest year shown was worth at each year’s end.
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement