Chime Financial, Inc. (CHYM)

33.76USD +0.33% (+0.11)

Over 1M: +16.0%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

30 32 34
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q1 '24 — Cost of Revenue: 47.4M Q2 '24 — Cost of Revenue: 50.5M Q3 '24 — Cost of Revenue: 53.5M Q3 '24 — Free Cash Flow: -28M Q4 '24 — Cost of Revenue: 56M Q1 '25 — Cost of Revenue: 60.4M Q1 '25 — Free Cash Flow: -27.3M Q2 '25 — Cost of Revenue: 67.1M Q2 '25 — Free Cash Flow: 26.5M Q3 '25 — Cost of Revenue: 69.4M Q3 '25 — Free Cash Flow: 15.4M Q4 '25 — Cost of Revenue: 66.1M Q1 '26 — Cost of Revenue: 67.1M Q1 '26 — Free Cash Flow: 80.9M Q2 '26 — Cost of Revenue: 74.9M Q2 '26 — Free Cash Flow: 197.5M 0 50M 100M 150M 200M
Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Cost of Revenue Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

2.0
SBC / sales 11.5%
OE margin 1.8%
Oper. margin -2.1%
ROIC -11.8%
Accruals -18.2%
Gross margin 88.7%
FCF margin 13.2%
OCF margin 14.0%
Profit margin -0.74%
ROA -0.91%
ROE -1.3%
EBITDA margin -0.83%
ROCE -3.2%
OCF / EBIT —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

4.9
EV/Sales 5.0×
EV/OE 284.2×
EV/GP 5.6×
P/C 12.5×
FCF yield 2.4%
P/B 9.5×
Div. yield —
EV/EBIT —
Fwd P/E —
P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.6
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

6.8
ND/EBITDA 0.087
Interest cover -117.0×
Debt / Eq 0.0×
Debt payback 0.0 yr
Quick ratio 4.6×
F-score 4.5 pts
Cash / Debt —
Cash runway —
Payout —

3 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

6.2
Sales/sh Y/Y -65.3%
Sales Q/Q +26.8%
Shares change +264.3%
Div. growth —
EBIT CAGR —
EBIT Y/Y —
EPS CAGR 4Y —
EPS Y/Y —
EPS next Y —
Sales CAGR 4Y —

3 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.