Chime Financial
CHYM
27.93
+0.28
+1.01%
Chime Financial
US · CHYM
#1441 by market cap
Listed 2025
27.93
+0.28
+1.01%
Live - 5344 symbols - heartbeat 285s ago
· 2026-10-08 07:00
Pre-market
28.13
+0.72%
After-hours
27.93
0.00%
- Market cap
- 10.57B
- P/E (TTM)i
- -581.88
- P/Bi
- 7.53
- EPSi
- -2.66
- Div yieldi
- 0.00%
- 52W posi
- 61%
Reader sentiment
Are you bullish or bearish on CHYM?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 9.07, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 4 years
Latest year +30.69% YoY
Margins
- Gross margin
- 87.97%
- Operating margin
- -47.56%
- Net margin
- -46.18%
Key ratios & quality
- Altman Z-Scorei
- 9.07
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 1.01B | 1.28B | 1.67B | 2.19B |
| Gross profit | 794.15M | 1.06B | 1.47B | 1.92B |
| Selling & admin expenses | 603.94M | 598.75M | 696.99M | 1.15B |
| Research & development | 242.43M | 259.00M | 309.58M | 934.93M |
| Operating profit | -478.70M | -235.79M | -62.20M | -1.04B |
| Pretax profit | -470.59M | -202.97M | -22.73M | -1.01B |
| Tax | -337.00K | 234.00K | 2.61M | 831.00K |
| Net profit | -470.25M | -203.20M | -25.34M | -1.01B |
| Basic EPS | -1 | -1 | 0 | -4 |
| Diluted EPS | -1.41 | -0.60 | -0.07 | -4.27 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 518.74M | 528.15M | 543.52M | 596.36M | 647.39M | 669.77M |
| Gross profit | 458.33M | 461.03M | 474.12M | 530.25M | 580.31M | 594.87M |
| Selling & admin expenses | 179.75M | 464.67M | 230.18M | 272.90M | 235.90M | 244.30M |
| Research & development | 77.88M | 621.75M | 123.94M | 111.35M | 109.78M | 112.11M |
| Operating profit | 9.14M | -930.64M | -64.71M | -53.77M | 46.16M | 21.32M |
| Pretax profit | 14.49M | -924.42M | -54.44M | -44.73M | 53.91M | 28.06M |
| Tax | 1.55M | -1.05M | 280.00K | 46.00K | 455.00K | 213.00K |
| Net profit | 12.94M | -923.38M | -54.72M | -44.78M | 53.46M | 27.85M |
| Basic EPS | 0 | -7 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.00 | -7.29 | -0.15 | -0.12 | 0.13 | 0.07 |
Balance sheet
| Line item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total current assets | 1.27B | 1.16B | 1.29B | 1.76B |
| Cash & ST investments | 937.97M | 800.63M | 706.59M | 1.05B |
| Inventory | -- | -- | -- | -- |
| Total assets | 1.42B | 1.32B | 1.46B | 1.96B |
| Total current liabilities | 215.52M | 288.65M | 374.82M | 387.92M |
| Short-term debt | 6.27M | 11.96M | 15.75M | 11.38M |
| Long-term debt | -- | -- | -- | -- |
| Total liabilities | 316,711,000.00 | 383,744,000.00 | 501,516,000.00 | 562,899,000.00 |
| Total equity | 1.10B | 936.51M | 959.52M | 1.40B |
| Retained earnings | -2.14B | -2.34B | -2.36B | -3.37B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.27B | 1.74B | 1.76B | 1.76B | 1.74B | 1.79B |
| Cash & ST investments | 654.63M | 1.09B | 1.08B | 1.05B | 1.01B | 1.06B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 1.44B | 1.90B | 1.96B | 1.96B | 1.95B | 2.00B |
| Total current liabilities | 333.55M | 359.70M | 355.92M | 387.92M | 344.10M | 387.22M |
| Short-term debt | 14.27M | 13.10M | 11.92M | 11.38M | 12.12M | 13.03M |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | 453,982,000.00 | 474,376,000.00 | 519,037,000.00 | 562,899,000.00 | 508,941,000.00 | 591,827,000.00 |
| Total equity | 982.02M | 1.43B | 1.44B | 1.40B | 1.44B | 1.40B |
| Retained earnings | -2.35B | -3.27B | -3.33B | -3.37B | -3.32B | -3.29B |
Cash flow
| Line item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Operating cash flow | -434.13M | -156.59M | 64.14M | 52.78M |
| Depreciation & amortization | 7.30M | 12.94M | 25.37M | 30.00M |
| Free cash flow | -507.05M | -184.41M | 49.67M | 24.06M |
| Dividends paid | -- | -- | -- | -- |
| Stock buybacks / issuance | -508.00K | -61.00K | -950.00K | 693.05M |
| Ending cash balance | 228.49M | 239.75M | 350.00M | 480.76M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -25.75M | 28.49M | 17.48M | 32.55M | 87.48M | 207.48M |
| Depreciation & amortization | 7.26M | 7.41M | 7.51M | 7.82M | 7.67M | 7.56M |
| Free cash flow | -30.54M | 23.27M | 13.77M | 17.57M | 80.03M | 197.54M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 772.56M | -1.32M | -78.19M | -85.74M | -136.33M |
| Ending cash balance | 330.82M | 881.80M | 458.70M | 480.76M | 622.19M | 601.06M |
Returns & efficiency
| Line item | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| ROE %i | -- | -- | -- | -- |
| ROA %i | -33.17 | -14.84 | -1.82 | -58.96 |
| ROIC %i | -- | -- | -- | -- |
| 5-year avg ROE %i | -- | -- | -- | -- |
| EBIT margin %i | -47.45 | -18.44 | -3.72 | -47.56 |
| FCF / sales %i | -- | -- | 2.97 | 1.10 |
| Current ratioi | 5.90 | 4.03 | 3.43 | 4.53 |
| Quick ratioi | 4.92 | 3.39 | 2.73 | 3.57 |
| Debt / assetsi | 7.11 | 7.95 | 6.59 | 6.85 |
| LT debt / equityi | -- | -- | -- | 8.80 |
| Interest coveragei | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | 29.42 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -- | -65.53 | -68.23 | -- | -- | -1.28 |
| ROA %i | -1.76 | -49.19 | -50.18 | -58.96 | -56.49 | -0.93 |
| ROIC %i | -- | -61.73 | -62.29 | -- | -- | -1.19 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | -3.23 | -50.38 | -49.06 | -47.56 | -43.32 | -2.08 |
| FCF / sales %i | -- | -- | 1.01 | 1.10 | 5.81 | 12.57 |
| Current ratioi | 3.80 | 4.83 | 4.94 | 4.53 | 5.07 | 4.62 |
| Quick ratioi | 2.99 | 4.00 | 4.00 | 3.57 | 4.10 | 3.74 |
| Debt / assetsi | 6.39 | 4.62 | 7.02 | 6.85 | 6.81 | 6.56 |
| LT debt / equityi | -- | 5.24 | 8.72 | 8.80 | 8.37 | 8.39 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 07:00:17 · For reference only, not investment advice and not tailored to your situation.