Chime Financial, Inc. (CHYM) stock

CHYMNasdaqFinance ServicesFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 12/30573% above fair value

$33.03−0.05 (-0.15%)

Close on Nov 12, 2026Market cap $12.50BP/E –Yield –

Chime Financial statistics

80 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 24, 2027 (estimated, after the close)
Last ex-dividend date: No dividends
Fundamentals through: Sep 30, 2026
Share price as of: Nov 12, 2026

Valuation ratiosIndustry

Market Cap: $12.50B; $235.51M
Enterprise Value: $11.32B; $208.33M
PS Ratio: 4.75; 2.72
PB Ratio: 8.11; 1.00
P/TBV Ratio: 8.26; 1.14
P/FCF Ratio: 29.91; 10.48
P/OCF Ratio: 27.57; 5.94

Enterprise valuationIndustry

EV / Sales: 4.30; 2.54
EV / EBITDA: 143.28; 6.08
EV / EBIT: 235.67; 11.21
EV / FCF: 27.08; 9.11

Share statisticsIndustry

Shares Outstanding: 379M; 53M
Shares Change (YoY): 149.6%; 13.6%
Float: 263M; 39M
Shares Held by Insiders: 30.5%; 18.5%
Shares Held by Institutions: 76.5%; 27.7%

Short sellingIndustry

Short Interest: 24M; –
Short Interest Change: -5.39%; -0.08%
Short % of Float: 9.06%; 6.67%
Short % of Shares Outstanding: 6.29%; 5.45%
Days to Cover: 9.29; 3.79

Stock price statisticsIndustry

52-Week High: $35.55; –
52-Week Low: $15.88; –
20-Day Moving Average: $30.09; –
50-Day Moving Average: $29.93; –
200-Day Moving Average: $23.98; –
Average True Range (14): $1.36; –
Price Change (1 Week): 9.44%; -3.65%
Price Change (1 Month): 13.9%; -13.5%
Price Change (3 Months): 3.15%; -16.0%
Price Change (6 Months): 84.7%; -30.8%
Price Change (YTD): 31.2%; -35.5%
Price Change (1 Year): 62.0%; -49.9%
Average Volume (10 Days): 5M; –
Average Volume (20 Days): 4M; –
Average Volume (90 Days): 6M; –
Relative Volume: 0.40; 0.72
Relative Strength Index (14): 68.5; 40.0
Volatility (1 Year): 60.8%; 94.5%

MarginsIndustry

Gross Margin: 89.4%; 41.7%
Operating Margin: 1.83%; -127.0%
Pretax Margin: 3.09%; -6.87%
Profit Margin: 3.05%; -19.4%
EBITDA Margin: 3.00%; -66.0%
FCF Margin: 15.9%; -29.5%

Returns on capitalIndustry

Return on Equity (ROE): 5.38%; -21.1%
Return on Assets (ROA): 3.85%; -8.40%
Return on Invested Capital (ROIC): 13.1%; -27.8%
Return on Capital Employed (ROCE): 2.68%; -19.5%

Financial positionIndustry

Current Ratio: 4.80; 1.56
Quick Ratio: 3.60; 0.52

GrowthIndustry

Revenue Growth (YoY): 27.4%; 15.4%
FCF Growth (YoY): 1240.4%; 16.1%

EfficiencyIndustry

Asset Turnover: 1.26; 0.16

Income statement (TTM)Industry

Revenue: $2.63B; $63.78M
Gross Profit: $2.35B; $1.60M
Operating Income: $48.04M; -$12.90M
Pretax Income: $81.22M; -$2.80M
Net Income: $80.25M; -$3.38M
EBITDA: $79.02M; -$7.83M

Balance sheetIndustry

Cash & Short-Term Investments: $1.18B; $20.55M
Net Cash (Debt): $1.18B; $7.28M
Net Cash Per Share: $3.12; $0.18
Equity (Book Value): $1.54B; $224.68M
Book Value Per Share: $4.07; $4.07
Tangible Book Value: $1.51B; $156.69M
Working Capital: $1.59B; $10.69M

Cash flow (TTM)Industry

Operating Cash Flow: $453.58M; -$5.12M
Capital Expenditures: -$35.49M; -$4.70M
Free Cash Flow: $418.09M; -$12.35M
FCF Per Share: $1.10; -$0.20

Dividends and yieldsIndustry

Earnings Yield: 0.64%; -12.4%
FCF Yield: 3.34%; -15.6%
Buyback Yield: 2.40%; 0.51%
Shareholder Yield: 2.40%; 0.54%

Taxes and interestIndustry

Income Tax: $964.00K; $213.00K
Effective Tax Rate: 1.19%; 21.2%

Scores and fair valueIndustry

Altman Z-Score: 11.34; 0.34
Piotroski F-Score: 6; 4
Beneish M-Score: -4.78; -2.99

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

Period	CHYM	S&P 500	Difference
1 month	+8.5%	-2.7%	+11.2 pts
3 months	+4.5%	-1.7%	+6.3 pts
Year to date	+31.2%	+11.9%	+19.3 pts
1 year	+63.5%	+12.0%	+51.5 pts

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

24M CHYM shares were sold short on Oct 30, 2026, down 5.4% from the previous report, or 9.06% of the shares available to trade. At recent volumes it would take 9.3 days to buy them back. Over the last 20 sessions, 40.6% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	23,823,979	-5.4%	2,565,145	9.3
Oct 15, 2026	25,180,963	-2.9%	4,363,000	5.8
Sep 30, 2026	25,929,970	+22.0%	7,374,958	3.5
Sep 15, 2026	21,252,304	-0.5%	7,896,298	2.7
Aug 31, 2026	21,348,953	+12.6%	6,982,093	3.1
Aug 14, 2026	18,952,244	-17.8%	12,124,456	1.6
Jul 31, 2026	23,068,753	+0.7%	5,444,090	4.2
Jul 15, 2026	22,902,442	+19.8%	4,492,729	5.1
Jun 30, 2026	19,111,390	+32.1%	7,773,145	2.5
Jun 15, 2026	14,462,268	+6.1%	3,877,785	3.7
May 29, 2026	13,632,208	+18.6%	4,005,725	3.4
May 15, 2026	11,495,029	+20.5%	7,049,687	1.6

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in Chime Financial's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is CHYM.

Compare: CHYM vs GDOT · CHYM vs SOFI · CHYM vs OPRT · CHYM vs OPFI · CHYM vs CRCL

Revenue growth27.4% · median 5.5%

Operating margin1.8% · median 11.3%

Net margin3.0% · median 15.3%

Company	Revenue	Growth
CRCL	$3.03B	+25.7%
CHYM	$2.63B	+27.4%
GDOT	$2.38B	+18.0%
OPRT	$956.02M	-0.4%
SOFI	$616.77M	+5.5%
OPFI	$351.79M	-6.5%

Company

Next earnings (est.): Feb 24, 2027, after close
Exchange: Nasdaq
Industry: Finance Services
Fiscal year ends: December 31
Held by institutions: 76.5%
Auditor: Ernst & Young LLP
SEC CIK: 1795586

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