CHYM
Chime Financial, Inc.
Next earnings Aug 5, 2026 · consensus $-0.01 EPS, $653M rev
Last earnings +4.5% on 2026-05-06
$20.32
▲ +11.22%$20.32▼ -38.54%
over 1Y
L $16.44EODHDH $36.20
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+11.2%
1W+11.2%
1M+17.7%
3M+19.6%
YTD-23.0%
1Y-38.5%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 26 analysts
Buy
Fast-growing digital-banking app (rev +31%, 88% gross margin); huge GAAP loss is IPO-driven, but profitability is unproven.
Revenue (FY2025) $2.19B · FY2025
Chime is a high-growth consumer fintech — a technology company (not a bank) that delivers digital banking through partners The Bancorp Bank and Stride Bank. The growth story is strong: FY2025 revenue rose 30.7% to $2.19B with an 88.0% gross margin, continuing a steep trajectory from $1.28B in FY2023. The asset-light, interchange-driven model produces high gross margins, and the balance sheet is healthy post-IPO — stockholders' equity jumped 172.6% to $1.40B (IPO proceeds), liabilities/equity is just 0.40x, and operating cash flow was positive at $52.8M.
Financials · annual, by fiscal year
| Line item | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | $1.28B | $1.67B | $2.19B |
| Gross profit | $1.06B | $1.47B | $1.92B |
| Operating income | -$236M | -$62.2M | -$1.04B |
| Net income | -$203M | -$25.3M | -$1.01B |
| Diluted EPS | -$3.22 | -$0.39 | -$4.27 |
| Net margin | -15.9% | -1.5% | -46.2% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield—
FCF yield—
Quality & risk
ROIC (est.)-58.6%
Free cash flow$32.9M
Total debt—
Net cash$466M
Piotroski F-Score4/7
Capital returns
Buyback yield—
Dividend yield (est.)—
Shareholder yield—
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-152026-06-16open ↗144Filing2026-06-15open ↗4Period ending 2026-06-092026-06-10open ↗144Filing2026-06-09open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗4Period ending 2026-06-022026-06-04open ↗8-KPeriod ending 2026-06-022026-06-04open ↗4Period ending 2026-05-152026-05-18open ↗4Period ending 2026-05-152026-05-18open ↗
Frequently asked
- Is Chime Financial, Inc. (CHYM) a buy?
- CHYM currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Fast-growing digital-banking app (rev +31%, 88% gross margin); huge GAAP loss is IPO-driven, but profitability is unproven.
- What is Chime Financial, Inc.'s quality score?
- CHYM scores 45.51282051282052/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001795586, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/21/2026, 8:55:27 PM.
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