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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.

30.08 1.12 +3.87%
Market cap
$11.0B
P/E
0.0×
Fwd P/E
54.6×
Dividend yield
—
F-score
n/a
Altman Z
4.14
Beneish M
−4.82
Dividend safety
n/a

Insider Decisions trades per month

Total sells 635.12
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 1 5 4 — 1 — — 2 — 13 10 —
Insider Ownership 51.70%

Capital & Financial Ratios $m

Market Cap 10,960.00
Revenue 2,457.03
Net Income (18.19)
Free Cash Flow 308.90
Net Debt (1,225.84)
Current Ratio 4.62 (at or above 1.5: strong)
Debt/Equity 0.00 (at or below 0.5: strong)
P/E ratio 0.00
Fwd P/E 54.60 (above 35: high)
P/S ratio 4.65
P/B ratio 8.13 (above 6: high)
Past 5Y EPS Growth —
This Y EPS Growth 110.76% (at or above 15%: strong)
Next Y EPS Growth 104.69% (at or above 15%: strong)
Next Y revenue growth 26.72% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash — 819 1,140 1,226
Receivables — 216 258 288
Inventory — — — —
Other — 182 251 205
— 1,287 1,756 1,790
2023 2024 2025 Q'26
Payables — 36 39 36
ST’ Debt — — — —
Other — 114 147 134
— 375 388 387

Compound Annual Growth %

10y 5y 3y
Sales — — —
Cash Flow — — —
Earnings — — —
Book Value — — —

Revenue $m

Mar Jun Sep Dec Year
’26 647 670 — — —
’25 519 528 544 596 2,187
’24 — 384 422 — 1,673
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 87 207 — — —
’25 (26) 28 17 33 53
’24 — 71 (25) 18 64
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 80 198 — — —
’25 (31) 23 14 18 24
’24 — 66 (31) 14 50
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.13 0.07 — — —
’25 0.00 (7.29) (0.15) (0.12) (4.27)
’24 — 0.01 (0.34) — (0.39)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — — — — — — — 16.17

Analyst estimates 2026–2028

Powerpack
High — — — — — — — — — 44.94
People
People Employees — — — — — — — — 1,465 1,519
Revenue/emp, $m — — — — — — — 0.00 1.14 1.44
Income, $m
Income, $m Revenue — — — — — — — 1,278 1,673 2,187
Gross margin, % — — — — — — — 82.81 87.60 87.97
EBT — — — — — — — (203) (23) (1,009)
EBT margin, % — — — — — — — (15.88) (1.36) (46.15)
Net income — — — — — — — (203) (25) (1,010)
Depreciation — — — — — — — (2) 13 25
Per share, $
Per share, $ Revenue — — — — — — — 20.26 25.78 9.26
Earnings — — — — — — — (3.22) (0.39) (4.27)
Cash flow — — — — — — — (2.48) 0.99 0.22
Capex — — — — — — — (0.44) (0.22) (0.12)
Free cash flow — — — — — — — (2.92) 0.77 0.10
Book value — — — — — — — 0.00 (29.74) 5.93
Shares, m — — — — — — — 63 65 236
Valuation, ×
Valuation, × P/E — — — — — — — 0.00 0.00 0.00
P/S — — — — — — — 0.00 0.00 2.72
P/B — — — — — — — 0.00 0.00 4.24
EV/Sales — — — — — — — 0.00 0.00 2.20
EV/FCF — — — — — — — 84.99 84.99 199.78
Cash, $m
Cash, $m Operating cash flow — — — — — — — (157) 64 53
Capex — — — — — — — (28) (14) (29)
Free cash flow — — — — — — — (184) 50 24
Balance, $m
Balance, $m Working capital — — — — — — — — 912 1,368
Total debt — — — — — — — — — —
Net debt — — — — — — — — (819) (1,140)
Shareholders’ equity — — — — — — — — (1,931) 1,402
Returns, %
Returns, % ROA — — — — — — — 0.00 (3.47) (58.96)
ROIC — — — — — — — 0.00 0.00 (248.53)
ROE — — — — — — — 0.00 0.00 381.90
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
GRAB Grab Holdings Limited $12.7B 22.8× 32.6× +21.73% (above 0%: growing) +500.00% (above 0%: growing) −40.38% (below 0%: shrinking) 43.63% 1.91% Compare
FIG Figma, Inc. $12.1B — (loss-making) — (loss-making) +48.25% (above 0%: growing) n/m −16.79% (below 0%: shrinking) 83.66% (31.69%) Compare
MANH Manhattan Associates, Inc. $12.1B 58.0× 40.5× +9.31% (above 0%: growing) −8.51% (below 0%: shrinking) +27.98% (above 0%: growing) 56.53% 22.24% Compare
FROG JFrog Ltd. $12.0B — (loss-making) — (loss-making) +28.73% (above 0%: growing) n/m +51.58% (above 0%: growing) 77.93% (8.09%) Compare
HUBS HubSpot, Inc. $11.6B 80.7× 56.8× +19.83% (above 0%: growing) n/m +44.84% (above 0%: growing) 82.35% 4.75% Compare
CHYM Chime Financial, Inc. $11.0B — (loss-making) 54.6× +26.81% (above 0%: growing) n/m +749.07% (above 0%: growing) 88.82% 3.18%
BSY Bentley Systems, Incorporated $10.5B 37.6× 28.9× +12.80% (above 0%: growing) +13.64% (above 0%: growing) +11.94% (above 0%: growing) 81.99% 21.57% Compare
PAYC Paycom Software, Inc. $10.2B 24.6× 14.5× +9.84% (above 0%: growing) +47.17% (above 0%: growing) +212.66% (above 0%: growing) 83.23% 31.72% Compare
ESTC Elastic N.V. $10.0B 27.2× 251× +15.13% (above 0%: growing) n/m +26.14% (above 0%: growing) 74.50% (4.93%) Compare
Median of peers $11.8B 32.4× 36.6× +17.48% +30.41% +27.06% 79.96% 3.33%

All 237 Software Application stocks →

Chime Financial, Inc. (CHYM) key facts

  • Strength: Chime Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $2.2 billion, up 30.7% from fiscal 2024.
  • Chime Financial, Inc. (CHYM) is a Software Application company in the Technology sector, listed on Nasdaq.
  • As of October 9, 2026, CHYM traded at $30.08, a market capitalization of $11.0 billion.
  • Return on equity was 381.9% and debt-to-equity 0.00.
  • Its Altman Z-score is 4.14 (safe zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Chime Financial, Inc. (CHYM) Latest News

12 Aug

Impact 4 · transcript

5 Aug

Impact 4 · transcript
stockrow.com/CHYM · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com