Symbols / CHYM Stock $22.08 -0.72% Chime Financial, Inc.

Technology • Software - Application • United States • NMS
CHYM (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Application
CEO Mr. Christopher R. Britt
Exch · Country NMS · United States
Market Cap 8.48B
Enterprise Value 7.55B
Income -1.01B
Sales 2.19B
FCF (ttm) 564.92M
Book/sh 3.69
Cash/sh 2.93
Employees 1,519
Insider 10d —
IPO Jun 12, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 19.20
PEG —
P/S 3.88
P/B 5.99
P/C —
EV/EBITDA -12.79
EV/Sales 3.45
Quick Ratio 3.57
Current Ratio 4.53
Debt/Eq 9.61
LT Debt/Eq —
EPS (ttm) -4.27
EPS next Y 1.15
EPS Growth —
Revenue Growth 25.50%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-06
Earnings (prior) 2026-02-25
ROA -21.90%
ROE -85.54%
ROIC —
Gross Margin 87.97%
Oper. Margin 13.70%
Profit Margin -46.18%
Shs Outstand 349.84M
Shs Float 219.26M
Insider Own 11.63%
Instit Own 95.63%
Short Float 4.66%
Short Ratio 2.77
Short Interest 13.65M
52W High 44.94
vs 52W High -50.87%
52W Low 16.17
vs 52W Low 36.55%
Beta —
Impl. Vol. 97.27%
Rel Volume 0.85
Avg Volume 4.21M
Volume 3.57M
Target (mean) $30.67
Tgt Median $30.00
Tgt Low $24.00
Tgt High $40.00
# Analysts 18
Recom Buy
Prev Close $22.24
Price $22.08
Change -0.72%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$30.67
Mean price target
2. Current target
$22.08
Latest analyst target
3. DCF / Fair value
$29.07
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$22.08
Low
$24.00
High
$40.00
Mean
$30.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-22 init BMO Capital — → Outperform $30
2026-04-13 init Wells Fargo — → Overweight $25
2026-04-13 up Compass Point Neutral → Buy $27
2026-03-04 init Keybanc — → Overweight $30
2026-02-26 main UBS Neutral → Neutral $27
2026-02-26 main Evercore ISI Group Outperform → Outperform $35
2026-01-26 init Rothschild & Co — → Neutral $29
2026-01-06 main Goldman Sachs Buy → Buy $30
2025-12-11 init B. Riley Securities — → Buy $35
2025-12-01 up Goldman Sachs Neutral → Buy $27
2025-11-06 main JP Morgan Overweight → Overweight $34
2025-11-06 main UBS Neutral → Neutral $24
2025-11-06 main Piper Sandler Overweight → Overweight $30
2025-11-03 init Jefferies — → Hold $17
2025-10-30 main Canaccord Genuity Buy → Buy $40
2025-10-13 main Goldman Sachs Neutral → Neutral $25
2025-10-01 main Keefe, Bruyette & Woods Outperform → Outperform $35
2025-08-11 main Canaccord Genuity Buy → Buy $40
2025-08-08 main UBS Neutral → Neutral $37
2025-07-08 init Keefe, Bruyette & Woods — → Outperform $42
News
RSS: Latest CHYM news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-12 NEWCOMB MATTHEW S Chief Financial Officer — 140,713 $0.00 $0
2026-03-12 FRANKEL ADAM B General Counsel — 112,571 $0.00 $0
2026-03-12 TROUGHTON MARK T President — 206,379 $0.00 $0
2026-03-12 ASMEROM AMINE Officer — 37,524 $0.00 $0
2026-03-02 MARSHALL CYNTHIA Director — 35,000 $22.28 $779,674
2026-02-18 BRITT CHRISTOPHER R Chief Executive Officer — 14,047 $0.00 $0
2026-02-18 KING RYAN A Officer and Director — 7,147 $0.00 $0
2026-02-18 NEWCOMB MATTHEW S Chief Financial Officer — 22,523 $0.00 $0
2026-01-15 FEUILLE JAMES Director — 4,934 $0.00 $0
2026-01-15 DUNNE JAMES J III Director — 2,902 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
2,186.77
+30.69%
1,673.27
+30.88%
1,278.45
+26.73%
1,008.84
Operating Revenue
2,186.77
+30.69%
1,673.27
+30.88%
1,278.45
+26.73%
1,008.84
Cost Of Revenue
263.05
+26.76%
207.51
-5.56%
219.74
+2.35%
214.69
Reconciled Cost Of Revenue
249.03
+26.41%
196.99
-9.81%
218.42
+1.74%
214.69
Gross Profit
1,923.72
+31.24%
1,465.76
+38.45%
1,058.72
+33.31%
794.15
Operating Expense
2,963.70
+93.97%
1,527.96
+18.03%
1,294.50
+1.70%
1,272.85
Research And Development
934.92
+202.00%
309.57
+19.53%
259.00
+6.83%
242.43
Selling General And Administration
1,147.50
+64.64%
696.99
+16.41%
598.75
-0.86%
603.94
Selling And Marketing Expense
635.38
+22.25%
519.76
+17.11%
443.81
+2.21%
434.23
General And Administrative Expense
512.11
+188.96%
177.23
+14.38%
154.94
-8.70%
169.72
Other Gand A
512.11
+188.96%
177.23
+14.38%
154.94
-8.70%
169.72
Other Operating Expenses
865.30
+70.82%
506.54
+19.15%
425.13
+1.42%
419.18
Total Expenses
3,226.75
+85.93%
1,735.47
+14.61%
1,514.24
+1.79%
1,487.54
Operating Income
-1,039.98
-1572.02%
-62.20
+73.62%
-235.78
+50.74%
-478.70
Total Operating Income As Reported
-1,039.98
-1572.02%
-62.20
+73.62%
-235.78
+50.74%
-478.70
EBITDA
-1,009.98
-2642.35%
-36.83
+83.47%
-222.85
+52.73%
-471.40
Normalized EBITDA
-1,009.98
-2642.35%
-36.83
+83.47%
-222.85
+52.73%
-471.40
Reconciled Depreciation
30.00
+18.25%
25.37
+96.10%
12.94
+77.22%
7.30
EBIT
-1,039.98
-1572.02%
-62.20
+73.62%
-235.78
+50.74%
-478.70
Net Income
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Pretax Income
-1,009.11
-4338.75%
-22.73
+88.80%
-202.97
+56.87%
-470.59
Other Income Expense
30.87
-21.77%
39.47
+20.26%
32.82
+304.60%
8.11
Other Non Operating Income Expenses
30.87
-21.77%
39.47
+20.26%
32.82
+304.60%
8.11
Tax Provision
0.83
-68.16%
2.61
+1015.38%
0.23
+169.44%
-0.34
Tax Rate For Calcs
0.00
+0.00%
0.00
+0.00%
0.00
+29229.61%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Net Income From Continuing Operation Net Minority Interest
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Net Income From Continuing And Discontinued Operation
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Net Income Continuous Operations
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Normalized Income
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Net Income Common Stockholders
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Diluted EPS
—
-0.07
+88.49%
-0.60
+57.22%
-1.41
Basic EPS
—
-0.07
+88.49%
-0.60
+57.22%
-1.41
Basic Average Shares
—
364.42
+8.33%
336.40
+0.00%
336.40
Diluted Average Shares
—
364.42
+8.33%
336.40
+0.00%
336.40
Diluted NI Availto Com Stockholders
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Depreciation Amortization Depletion Income Statement
15.98
+7.60%
14.85
+27.79%
11.62
+59.19%
7.30
Depreciation And Amortization In Income Statement
15.98
+7.60%
14.85
+27.79%
11.62
+59.19%
7.30
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,964.61
+34.47%
1,461.04
+10.66%
1,320.25
-6.88%
1,417.75
Current Assets
1,756.01
+36.44%
1,287.04
+10.78%
1,161.84
-8.61%
1,271.34
Cash Cash Equivalents And Short Term Investments
1,054.08
+49.18%
706.59
-11.75%
800.63
-14.64%
937.97
Cash And Cash Equivalents
466.25
+38.07%
337.70
+40.86%
239.75
+17.89%
203.36
Other Short Term Investments
587.83
+59.35%
368.89
-34.23%
560.88
-23.65%
734.61
Receivables
329.46
+4.27%
315.96
+78.97%
176.55
+43.30%
123.20
Accounts Receivable
257.88
+19.30%
216.16
+22.44%
176.55
+43.30%
123.20
Loans Receivable
71.58
-28.27%
99.80
0.00
—
Restricted Cash
265.71
+36.95%
194.03
+39.88%
138.70
-8.76%
152.03
Other Current Assets
106.75
+51.50%
70.46
+53.32%
45.96
-20.95%
58.14
Total Non Current Assets
208.59
+19.88%
174.00
+9.84%
158.41
+8.20%
146.41
Net PPE
177.75
+25.15%
142.03
-9.82%
157.50
+7.72%
146.21
Gross PPE
251.58
+34.14%
187.54
+4.68%
179.16
+15.20%
155.51
Accumulated Depreciation
-73.83
-62.22%
-45.51
-110.15%
-21.66
-132.95%
-9.30
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
88.72
+16.01%
76.48
+13.84%
67.18
+40.18%
47.92
Other Properties
83.43
+69.12%
49.33
-7.08%
53.09
-6.68%
56.89
Leases
79.43
+28.66%
61.74
+4.84%
58.88
+16.15%
50.70
Other Non Current Assets
30.85
-3.51%
31.97
+3397.70%
0.91
+357.00%
0.20
Total Liabilities Net Minority Interest
562.90
+12.24%
501.52
+30.69%
383.74
+21.17%
316.71
Current Liabilities
387.92
+3.50%
374.82
+29.85%
288.65
+33.94%
215.51
Payables And Accrued Expenses
130.61
-9.35%
144.09
+18.65%
121.44
+35.41%
89.69
Payables
38.68
+7.91%
35.85
+61.88%
22.14
+6.51%
20.79
Accounts Payable
38.68
+7.91%
35.85
+61.88%
22.14
+6.51%
20.79
Current Accrued Expenses
91.93
-15.07%
108.25
+9.01%
99.30
+44.13%
68.89
Pensionand Other Post Retirement Benefit Plans Current
52.86
-0.91%
53.34
+13.75%
46.89
+164.10%
17.76
Current Debt And Capital Lease Obligation
11.38
-27.72%
15.75
+31.62%
11.96
+90.83%
6.27
Current Capital Lease Obligation
11.38
-27.72%
15.75
+31.62%
11.96
+90.83%
6.27
Other Current Liabilities
193.07
+19.45%
161.64
+49.17%
108.36
+6.43%
101.81
Total Non Current Liabilities Net Minority Interest
174.97
+38.10%
126.70
+33.24%
95.09
-6.03%
101.20
Long Term Debt And Capital Lease Obligation
123.28
+52.98%
80.59
-13.28%
92.93
-1.70%
94.54
Long Term Capital Lease Obligation
123.28
+52.98%
80.59
-13.28%
92.93
-1.70%
94.54
Other Non Current Liabilities
51.69
+12.11%
46.11
+2033.69%
2.16
-67.55%
6.66
Stockholders Equity
1,401.71
+46.08%
959.52
+2.46%
936.51
-14.94%
1,101.04
Common Stock Equity
1,401.71
+172.60%
-1,930.60
+1.18%
-1,953.61
-9.20%
-1,789.08
Capital Stock
0.03
-100.00%
2,890.12
+0.00%
2,890.12
+0.00%
2,890.12
Common Stock
0.03
+1450.00%
0.00
+0.00%
0.00
+100.00%
0.00
Preferred Stock
0.00
-100.00%
2,890.12
+0.00%
2,890.12
+0.00%
2,890.12
Share Issued
379.93
+4.26%
364.42
+0.00%
364.42
+0.00%
364.42
Ordinary Shares Number
379.93
+4.26%
364.42
+0.00%
364.42
+0.00%
364.42
Additional Paid In Capital
4,775.61
+1001.99%
433.36
+12.71%
384.49
+8.81%
353.37
Retained Earnings
-3,374.10
-42.72%
-2,364.17
-1.08%
-2,338.82
-9.51%
-2,135.62
Gains Losses Not Affecting Retained Earnings
0.17
-15.27%
0.20
-71.81%
0.72
+110.55%
-6.83
Other Equity Adjustments
0.17
-15.27%
0.20
-71.81%
0.72
+110.55%
-6.83
Total Equity Gross Minority Interest
1,401.71
+46.08%
959.52
+2.46%
936.51
-14.94%
1,101.04
Total Capitalization
1,401.71
+46.08%
959.52
+2.46%
936.51
-14.94%
1,101.04
Working Capital
1,368.09
+49.97%
912.22
+4.47%
873.19
-17.30%
1,055.83
Invested Capital
1,401.71
+172.60%
-1,930.60
+1.18%
-1,953.61
-9.20%
-1,789.08
Total Debt
134.66
+39.79%
96.34
-8.16%
104.89
+4.06%
100.81
Capital Lease Obligations
134.66
+39.79%
96.34
-8.16%
104.89
+4.06%
100.81
Net Tangible Assets
1,401.71
+46.08%
959.52
+2.46%
936.51
-14.94%
1,101.04
Tangible Book Value
1,401.71
+172.60%
-1,930.60
+1.18%
-1,953.61
-9.20%
-1,789.08
Preferred Stock Equity
—
2,890.12
+0.00%
2,890.12
+0.00%
2,890.12
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
52.78
-17.71%
64.14
+140.96%
-156.59
+63.93%
-434.13
Cash Flow From Continuing Operating Activities
52.78
-17.71%
64.14
+140.96%
-156.59
+63.93%
-434.13
Net Income From Continuing Operations
-1,009.94
-3884.91%
-25.34
+87.53%
-203.20
+56.79%
-470.25
Depreciation Amortization Depletion
30.00
+18.25%
25.37
+96.10%
12.94
+77.22%
7.30
Depreciation And Amortization
30.00
+18.25%
25.37
+96.10%
12.94
+77.22%
7.30
Other Non Cash Items
54.91
+4.68%
52.45
-31.87%
76.98
-13.97%
89.48
Stock Based Compensation
1,070.90
+3488.20%
29.84
+14.63%
26.04
-8.17%
28.35
Provisionand Write Offof Assets
141.22
+67.84%
84.14
+24.88%
67.38
+45.87%
46.19
Asset Impairment Charge
0.00
-100.00%
1.90
0.00
-100.00%
20.83
Change In Working Capital
-234.32
-124.81%
-104.23
+23.77%
-136.73
+13.97%
-158.94
Change In Receivables
-42.96
-6.57%
-40.31
+24.44%
-53.34
-82.20%
-29.28
Changes In Account Receivables
-42.96
-6.57%
-40.31
+24.44%
-53.34
-82.20%
-29.28
Change In Prepaid Assets
-23.62
+2.04%
-24.11
-297.70%
12.20
+204.23%
-11.70
Change In Payables And Accrued Expense
-74.60
-257.86%
47.26
+575.02%
-9.95
+82.62%
-57.23
Change In Accrued Expense
-77.43
-330.78%
33.55
+396.89%
-11.30
+77.96%
-51.27
Change In Payable
2.83
-79.32%
13.70
+912.79%
1.35
+122.70%
-5.96
Change In Account Payable
2.83
-79.32%
13.70
+912.79%
1.35
+122.70%
-5.96
Change In Other Working Capital
-69.48
-61.51%
-43.02
-264.63%
-11.80
+36.03%
-18.44
Change In Other Current Liabilities
-23.66
+46.29%
-44.04
+40.35%
-73.83
-74.65%
-42.28
Investing Cash Flow
-289.69
-734.46%
45.66
-72.66%
167.01
+10.94%
150.54
Cash Flow From Continuing Investing Activities
-289.69
-734.46%
45.66
-72.66%
167.01
+10.94%
150.54
Net PPE Purchase And Sale
-19.89
-313.28%
-4.81
+54.18%
-10.50
+78.45%
-48.73
Purchase Of PPE
-19.89
-313.28%
-4.81
+54.18%
-10.50
+78.45%
-48.73
Capital Expenditure
-28.72
-98.49%
-14.47
+47.98%
-27.82
+61.85%
-72.91
Capital Expenditure Reported
-8.83
+8.53%
-9.66
+44.22%
-17.31
+28.41%
-24.18
Net Investment Purchase And Sale
-213.75
-204.82%
203.91
+4.66%
194.83
-12.81%
223.45
Purchase Of Investment
-734.96
-47.71%
-497.58
+18.52%
-610.67
-43.11%
-426.70
Sale Of Investment
521.21
-25.70%
701.49
-12.91%
805.50
+23.89%
650.16
Net Business Purchase And Sale
0.00
+100.00%
-13.34
0.00
0.00
Purchase Of Business
0.00
+100.00%
-13.34
0.00
0.00
Net Other Investing Changes
-47.22
+63.80%
-130.45
—
—
Financing Cash Flow
367.67
+80528.95%
0.46
-45.84%
0.84
-17.61%
1.02
Cash Flow From Continuing Financing Activities
367.67
+80528.95%
0.46
-45.84%
0.84
-17.61%
1.02
Net Common Stock Issuance
693.05
+73052.63%
-0.95
-1457.38%
-0.06
+87.99%
-0.51
Common Stock Payments
-77.54
-8061.89%
-0.95
-1457.38%
-0.06
+87.99%
-0.51
Repurchase Of Capital Stock
-77.54
-8061.89%
-0.95
-1457.38%
-0.06
+87.99%
-0.51
Proceeds From Stock Option Exercised
25.16
+1689.33%
1.41
-18.87%
1.73
+13.27%
1.53
Net Other Financing Charges
-350.54
—
-0.83
—
Changes In Cash
130.76
+18.60%
110.25
+879.17%
11.26
+103.98%
-282.57
Beginning Cash Position
350.00
+45.99%
239.75
+4.93%
228.49
-55.29%
511.06
End Cash Position
480.76
+37.36%
350.00
+45.99%
239.75
+4.93%
228.49
Free Cash Flow
24.06
-51.56%
49.67
+126.94%
-184.41
+63.63%
-507.05
Interest Paid Supplemental Data
0.33
-29.34%
0.47
+764.81%
0.05
0.00
Income Tax Paid Supplemental Data
1.13
-48.30%
2.18
+692.00%
0.28
+32.21%
0.21
Amortization Of Securities
—
-12.53
+15.11%
-14.76
-607.63%
2.91
Common Stock Issuance
770.59
0.00
0.00
—
Issuance Of Capital Stock
770.59
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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