Chime Financial, Inc.CHYM
NasdaqGS•Technology•Software - Application
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.
Chime Financial, Inc. (CHYM) reported trailing twelve months revenue of $2.83B as of March 2026.
Chime Financial, Inc. reported a TTM net loss of $956.48M, with quarterly EBITDA of $53.83M. The operating margin stands at 7.1%.
The spread between operating margin (7.1%) and net margin (8.3%) indicates tight cost control with minimal non-operating drag.
CHYM trades at a P/S of 2.3x. The price-to-book ratio of 4.6x reflects a moderate premium to book value.
The company generated $80.86M in free cash flow over the trailing twelve months, indicating strong cash generation ability. The balance sheet shows $1.95B in total assets with no in long-term debt against $1.44B in stockholders equity. Data based on the most recent quarterly reports.
Competitive analysis based on 4 quarters of fundamental data
Operating margins are under pressure, averaging -46.2%. The business may lack pricing power or face rising costs.'
Limited ROE data for a reliable assessment.
Only 3 of the last 4 quarters had positive FCF — the business may require external capital to sustain operations.
Revenue has been flat or declining over recent quarters, which may indicate eroding demand or competitive pressure.
Data-driven red flags and warnings across 4 quarters
The company posted negative operating margins in recent quarters — core operations are unprofitable.
FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.
Limited debt-to-equity data available.
Revenue is stable or growing over recent quarters — demand appears durable.
Free cash flow is consistently positive — the business self-funds without external capital reliance.
Share count is stable — no significant dilution or buyback activity.