Chime Financial, Inc.
CHYM Nasdaq· Finance Services
Last close · Oct 26, 2026
$28.55
KIRA · Stoqly’s AI analyst, in plain words
- Chime Financial, Inc. had $2.2B of revenue in fiscal 2025, up 30.7% on the year before.
- Its operating margin was −47.6%, down 43.8 pts: of every 100 in sales, about −48 is left after running the business.
- Chime Financial, Inc. lost $1.0B in fiscal 2025.
- Free cash flow was $32.9M in fiscal 2025, 1.5% of revenue.
- Chime Financial, Inc. returned $77.5M to shareholders in fiscal 2025, 236% of free cash flow. The diluted share count rose 264.0%.
Market cap
$11.2B
P/E
8.9x
Revenue
$2.2B
Net income
−$1.0B
Free cash flow
$32.9M
Operating margin
−47.6%
Chime Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+30.7%
Yes. Sales grew 30.7% last year.
Does it make a profit?
−46.2%
No. It lost money last year.
Does profit turn into cash?
1.5%
Partly. 1.5% of sales ends up as free cash.
How healthy are the accounts?
4 / 8
Mixed. It passes 4 of 8 health tests.
How is the share priced?
8.9x
One share costs 8.9 times its yearly profit per share.
What Chime Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- Chime Financial, Inc.
- CIK
- 0001795586
Chime Financial, Inc. · CHYM
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $1.3B | $1.7B | $2.2B |
| Revenue growth | — | 30.9% | 30.7% |
| Gross margin | 82.8% | 87.6% | 88.0% |
| Operating margin | −18.4% | −3.7% | −47.6% |
| Net income | −$203M | −$25.3M | −$1.0B |
| Net margin | −15.9% | −1.5% | −46.2% |
| Diluted EPS | −$3.22 | −$0.39 | −$4.27 |
| Cash | |||
| Cash from operations | −$157M | $64.1M | $52.8M |
| Capital expenditure | $10.5M | $4.8M | $19.9M |
| Free cash flow | −$167M | $59.3M | $32.9M |
| FCF margin | −13.1% | 3.5% | 1.5% |
| Share buybacks | $0.1M | $1.0M | $77.5M |
| Share count change | — | 2.9% | 264.0% |
| Debt and strength | |||
| Cash and short-term investments | $240M | $707M | $1.1B |
| Loans, net | — | $99.8M | $71.6M |
| Shareholders' equity | −$2.0B | −$1.9B | $1.4B |
| Current ratio | — | 3.4x | 4.5x |
| Returns and quality | |||
| Return on tangible equity | — | — | −75.0% |
| Piotroski F-score | — | — | 4 |
| Altman Z'' | — | −5.5 | −2.0 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$638M
16 insiders
Of sales under plans
8%
$51.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Chime Financial, Inc. · CHYM
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $28.55 a share, the company is worth $11.2B: 8.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001795586). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.