CHYMNasdaqFinance ServicesFiscal year ends December 31
Chime Financial, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$29.63−0.04 (-0.13%)
Close on Oct 19, 2026
- Market cap
- $11.66B
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2022 to 2025
Gross margin
88.0%
Operating margin
-47.6%
Net margin
-46.2%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +30.7% | – | – | – | |
| Gross profit | +31.2% | – | – | – | |
| Free cash flow | -44.6% | – | – | – |
Returns and balance sheet
4 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2022 | FY2022 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 381.9% | |
| Current ratio | – | – | 4.53 | |
| Capex to revenue | – | – | 0.9% | |
| Diluted shares | – | – | 236M |
Cash use needs five years of cash flow figures
Chime Financial does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-46.2%
×Asset turnover1.28×
×Equity multiplier-6.48×
=Return on equity, FY2025381.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -46.2% | 1.28× | -6.48× | 381.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$1.01B
- Cash generatingOperating cash flow above zero$52.78M
- Return on assets improvedROA up on the prior year– → -69.1%
- Earnings backed by cashOperating cash flow above net income$52.78M vs -$1.01B
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose3.43 → 4.53
- No dilutionShare count did not rise65M → 236M
- Gross margin improvedGross margin up on the prior year87.60% → 87.97%
- More efficientAsset turnover rose– → 1.50