CHYM

Chime Financial, Inc.

Technology · USD

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Price alert · CHYM

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27.95 USD -0.92 -3.19%
As of Oct 30, 2026 Extended hours 27.95 0.00%
Bid
27.95 × 2
Ask
27.96 × 2
27.66 Day range 28.50
16.44 52-week range 34.55
YTD
+11.04%
1 year
+63.93%
Open
28.50
Prev close
28.87
Mkt cap
10.58B
Vol
3.65M
Avg vol
7.01M
EPS
0.88
P/E
31.76
Div yield
0.00%
More statistics
Low
27.66
High
28.50
Forward P/E
17.36
Beta
0.00
Short ratio
4.08
Inst. own
95.50%
Dividend
0.00
Ex-div date
Earnings
Nov 4, 2026
50-d avg
30.36
200-d avg
23.76
1y target
39.55

5D chart

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CHYM five-day price chart28.228.829.530.130.7Oct 22Oct 23Oct 26Oct 27Oct 28

Financial health

Altman Z-Score

10.61 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C-1 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 3
  • P/E 1
  • P/B 2

Valuation

P/E -9.4×
FY 2022: -28.8×FY 2023: -66.3×FY 2024: -533×FY 2025: -9.4×
FY 2022 5y median -47.5× FY 2025
P/S 4.4×
FY 2022: 13.4×FY 2023: 10.6×FY 2024: 8.1×FY 2025: 4.4×
FY 2022 5y median 9.3× FY 2025
P/B 6.8×
FY 2022: 12.3×FY 2023: 14.4×FY 2024: 14.1×FY 2025: 6.8×
FY 2022 5y median 13.2× FY 2025
P/FCF 290×
FY 2022: -26.7×FY 2023: -73.3×FY 2024: 272×FY 2025: 290×
FY 2022 5y median 123× FY 2025
EV/EBITDA -9.4×
FY 2022: -28.5×FY 2023: -60.1×FY 2024: -361×FY 2025: -9.4×
FY 2022 5y median -44.3× FY 2025
EV/Sales 4.2×
FY 2022: 13.3×FY 2023: 10.5×FY 2024: 7.9×FY 2025: 4.2×
FY 2022 5y median 9.2× FY 2025
FCF Yield 0.3%
FY 2022: -3.7%FY 2023: -1.4%FY 2024: 0.4%FY 2025: 0.3%
FY 2022 5y median -0.5% FY 2025

Profitability

Gross Margin 85.9%
FY 2022: 78.7%FY 2023: 82.8%FY 2024: 87.6%FY 2025: 85.9%
FY 2022 5y median 84.3% FY 2025
Operating Margin -47.6%
FY 2022: -47.5%FY 2023: -18.4%FY 2024: -3.7%FY 2025: -47.6%
FY 2022 5y median -32.9% FY 2025
Net Margin -46.2%
FY 2022: -46.6%FY 2023: -15.9%FY 2024: -1.5%FY 2025: -46.2%
FY 2022 5y median -31.0% FY 2025
ROE -72.1%
FY 2022: -42.7%FY 2023: -21.7%FY 2024: -2.6%FY 2025: -72.1%
FY 2022 5y median -32.2% FY 2025
ROIC -65.5%
FY 2022: -39.6%FY 2023: -22.6%FY 2024: -5.6%FY 2025: -65.5%
FY 2022 5y median -31.1% FY 2025
ROA -51.4%
FY 2022: -33.2%FY 2023: -15.4%FY 2024: -1.7%FY 2025: -51.4%
FY 2022 5y median -24.3% FY 2025

Growth (YoY)

Revenue 30.7%
FY 2022: 0.0%FY 2023: 26.7%FY 2024: 30.9%FY 2025: 30.7%
FY 2022 FY 2025
Operating Income -1572.0%
FY 2022: 0.0%FY 2023: 50.7%FY 2024: 73.6%FY 2025: -1572.0%
FY 2022 FY 2025
EPS (diluted) -3635.6%
FY 2022: 0.0%FY 2023: 56.6%FY 2024: 87.6%FY 2025: -3635.6%
FY 2022 FY 2025
Free Cash Flow -33.8%
FY 2022: 0.0%FY 2023: 63.6%FY 2024: 126.9%FY 2025: -33.8%
FY 2022 FY 2025

Financial Health

Current Ratio 4.5×
FY 2022: 5.9×FY 2023: 4.0×FY 2024: 3.4×FY 2025: 4.5×
FY 2022 5y median 4.3× FY 2025
Quick Ratio 4.5×
FY 2022: 5.9×FY 2023: 4.0×FY 2024: 3.4×FY 2025: 4.5×
FY 2022 5y median 4.3× FY 2025
Debt / Equity 0.1×
FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2022 5y median 0.1× FY 2025
Net Debt / EBITDA 0.3×
FY 2022: 0.2×FY 2023: 0.6×FY 2024: 6.6×FY 2025: 0.3×
FY 2022 5y median 0.5× FY 2025
Interest Coverage 0.0×
FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2022 5y median 0.0× FY 2025

Dividends

Dividend Yield 0.0%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2022 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2022 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31