Chime Financial, Inc. CHYM R3KTECH
Company Overview
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
Why Investors Should Care
Revenue has grown at a 30.8% CAGR over the past five years.
Trades at a P/E of 6.0, below the sector median of 29.2.
Operating margin of 18.6% supports profitability.
Carries low leverage with a debt-to-equity ratio of 0.13.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $2.19B (+30.7% YoY); net profit $-1.01B.
- Trailing 12 Months Year-on-year growth — revenue +26.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 30.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 30.79% |
| 1 Year: | 26.80% |
Stock Price Performance
| 1 Year: | +7.70% |
| 6 Months: | +42.78% |
| 3 Months: | +83.89% |
| 1 Month: | +11.03% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.42 · Neutral
P/E of 6.02 is below the sector median of 29.22 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 30.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CHYM Chime Financial, Inc. R3KTECH | 32.31 | 6.02 | $11.21B | 0.00% | -65.96% | -1.28% | 30.79% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 225.73 | 28.50 | $5.45T | 0.46% | 74.66% | 117.21% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 316.22 | 36.22 | $4.61T | 0.34% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 493.95 | 27.49 | $3.67T | 0.79% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 439.00 | 32.71 | $2.28T | 0.95% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 368.56 | 46.95 | $1.75T | 0.71% | 16.70% | 44.25% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,000.26 | 22.59 | $1.13T | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 505.74 | 128.36 | $825.61B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,764.85 | 59.89 | $677.88B | 0.51% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | 384.21M | 421.87M | 518.74M | 528.15M | 543.52M | 596.36M | 647.39M | 669.77M |
| Cost of Revenue | - | - | - | 60.42M | 67.12M | 69.40M | 66.11M | 67.07M | - |
| Gross Profit | - | 333.71M | 368.36M | 458.33M | 461.03M | 474.12M | 530.25M | 580.31M | 594.87M |
| Operating Expenses | - | - | - | 449.19M | 1.39B | 538.83M | 584.02M | 534.15M | - |
| Operating Income | - | -9.44M | -30.64M | 9.14M | -930.64M | -64.71M | -53.77M | 46.16M | 21.32M |
| EBITDA | - | - | - | 16.39M | -923.23M | -57.20M | -45.95M | 53.83M | - |
| Interest Expense | - | - | - | - | - | - | - | - | - |
| Pretax Income | - | - | - | 14.49M | -924.42M | -54.44M | -44.73M | 53.91M | - |
| Tax Provision | - | - | - | 1.55M | -1.05M | 280.00K | 46.00K | 455.00K | - |
| Net Income | 15.90M | 385.00K | -22.03M | 12.94M | -923.38M | -54.72M | -44.78M | 53.46M | 27.85M |
| Diluted EPS | - | 0.00 | -0.34 | 0.00 | -7.29 | -0.15 | -0.12 | 0.13 | 0.07 |
| R&D Expense | - | 75.37M | 80.40M | 77.88M | 621.75M | 123.94M | - | 109.78M | 112.11M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue | 1.28B | 1.67B | 2.19B |
| Gross Profit | 1.06B | 1.47B | 1.92B |
| Operating Income | -235.78M | -62.20M | -1.04B |
| Net Income | -203.20M | -25.34M | -1.01B |
| Diluted EPS | -3.22 | -0.39 | -4.27 |
| R&D Expense | 259.00M | 309.57M | 934.92M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | - | - | 1.46B | 1.96B |
| Total Equity | -1.79B | -1.95B | -1.93B | 1.40B |
| Cash & Equivalents | - | 239.75M | 337.70M | 466.25M |
| Total Liabilities | - | - | 501.52M | 562.90M |
| Current Liabilities | - | - | 374.82M | 387.92M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating Cash Flow | -156.59M | 64.14M | 52.78M |
| Investing Cash Flow | 167.01M | 45.66M | -289.69M |
| Financing Cash Flow | 842.00K | 456.00K | 367.67M |
| Share Buybacks | 61.00K | 950.00K | 77.54M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Gross Margin % | 82.8% | 87.6% | 88.0% |
| Operating Margin % | -18.4% | -3.7% | -47.6% |
| Net Margin % | -15.9% | -1.5% | -46.2% |
| ROE % | 10.4% | 1.3% | -72.1% |
| ROCE % | - | -5.7% | -66.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Galileo (ptc) Ltd | 15.06% | 52.27M | $1.59B |
| 2 | Crosslink Capital Inc | 7.55% | 26.19M | $794.20M |
| 3 | General Atlantic, L.P. | 6.13% | 21.26M | $644.81M |
| 4 | Menlo Ventures Management, L.P. | 5.03% | 17.44M | $529.04M |
| 5 | Aspect Management, LLC | 3.44% | 11.93M | $361.94M |
| 6 | Blackrock Inc. | 3.24% | 11.24M | $341.04M |
| 7 | Vanguard Portfolio Management LLC | 2.94% | 10.20M | $309.33M |
| 8 | Vanguard Capital Management LLC | 2.66% | 9.22M | $279.49M |
| 9 | Forerunner Ventures Management, LLC | 2.31% | 8.03M | $243.58M |
| 10 | Capital Research Global Investors | 1.63% | 5.66M | $171.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CHYM
Stocks making the biggest moves after hours: ServiceTitan, Mission Produce, Chime Financial and more - CNBC
<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxObFZXSC1uTGFsdzJVMUdPZlJFVXBPSGhvUWtJam1QbUFNTC0wYVZETk1CSXp1MFBDSEZGU2x2MU1IQ29XX2JEak9JQUJMeFBpRGNiMWN2OTN1YUFzRXJKN3NzWEp5Y0xJSk1yeVl5clVZMG96S1BmLVJZMjU1TUtJZVNwTUtHMks0X2tsU2…
Chime Financial (NASDAQ: CHYM) officer plans $658K stock sale - Stock Titan
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Are You Looking for a Top Momentum Pick? Why Chime Financial, Inc. (CHYM) is a Great Choice - finance.yahoo.com
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Chime Financial to buy Stride in $590M cash deal, raises earnings guidance; shares up (CHYM:NASDAQ) - Seeking Alpha
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Chime Financial stock rises on $590M Stride Bank acquisition - Investing.com
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Range Advisory LLC Sells 49,319 Shares of Chime Financial, Inc. $CHYM - marketbeat.com
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CHYM — Frequently Asked Questions
What is the current share price of Chime Financial, Inc. (CHYM)?
As of 2026-09-19 21:16 PDT, Chime Financial, Inc. (CHYM) trades at $32.31 on NasdaqGS. Its 52-week range is $16.44 to $33.76.
What is the market capitalisation of CHYM?
Chime Financial, Inc. (CHYM) has a market capitalisation of $11.21B on NasdaqGS.
What is the P/E ratio of CHYM?
CHYM trades at a trailing price-to-earnings (P/E) ratio of 6.02. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 9.31.
What is the return on equity (ROE) of CHYM?
CHYM has a return on equity (ROE) of -1.28%. Its return on capital employed (ROCE) is -65.96%.
Is CHYM a good stock to buy?
This page provides a data-driven analysis of Chime Financial, Inc. (CHYM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.