Chime Financial, Inc.

24.75

CHF

- -

-0.04EPS

Nov 04Next Earn

Profitability (USD)

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -
Return on Assets (%)	- -	-14.84	-1.82	-58.96
Return on Capital (%)	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	78.72	82.81	87.6	87.97
EBITDA Margin (%)	-46.73	-17.43	-2.2	-46.19
Operating Margin (%)	-47.45	-18.44	-3.72	-47.56
Incremental Operating Margin (%)	- -	90.1	43.97	- -
Pretax Margin (%)	-46.65	-15.88	-1.36	-46.15
Profit Margin (%)	-46.61	-15.89	-1.51	-46.18
Net Income to Common Margin (%)	-46.61	-15.89	-1.51	-46.18
Effective Tax Rate (%)	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -

Credit (USD)

Credit Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	101	105	96	135
ST Debt	6	12	16	11
LT Debt	95	93	81	123
Total Debt/EBITDA	-0.21	-0.47	-2.62	-0.13
Net Debt/EBITDA	0.43	1.08	9.17	0.46
Total Debt/EBIT	-0.21	-0.44	-1.55	-0.13
Net Debt/EBIT	0.42	1.02	5.43	0.45
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	-126.19	-147.97	-132.14	71.35
Long-Term Debt/Equity (%)	8.59	9.92	8.4	8.8
Long-Term Debt/Capital (%)	7.87	8.92	7.63	8.02
Long-Term Debt/Total Assets (%)	6.67	7.04	5.52	6.28
Total Debt/Equity (%)	9.16	11.2	10.04	9.61
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt/Total Assets (%)	7.11	7.94	6.59	6.85
Net Debt to Equity	-18.47	-25.6	-35.19	-33.26
Net Debt/Capital (%)	-20.37	-29.91	-47.02	-43.57
EBITDA	-471	-223	-37	-1,010
EBITDA-CapEx	-520	-233	-42	-1,030
Operating Income (Loss)	-479	-236	-62	-1,040

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	4.35	2.77	1.89	2.72
Current Ratio	5.9	4.03	3.43	4.53
Quick Ratio	4.92	3.39	2.73	3.57
CFO/Avg Current Liab	- -	-0.62	0.19	0.14
Common Equity/Total Assets	-126.19	-147.97	-132.14	71.35
Long-Term Debt/Equity (%)	8.59	9.92	8.4	8.8
Long-Term Debt/Capital (%)	7.87	8.92	7.63	8.02
Long-Term Debt/Total Assets (%)	6.67	7.04	5.52	6.28
Total Debt/Equity (%)	9.16	11.2	10.04	9.61
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt/Total Assets (%)	7.11	7.94	6.59	6.85
CFO/Total Liabilities	-137.08	-40.81	12.79	9.38
CFO/CapEx	-8.91	-14.91	13.33	2.65
Altman's Z-Score	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.53	8.52	9.23
Days Sales Outstanding	- -	42.79	42.83	39.56
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -
- Cash & Cash Equivalents	203	240	338	466
+ Preferred Equity and Hybrid Capital	2,890	2,890	2,890	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -
+ Total Debt	101	105	96	135
Enterprise Value	- -	- -	- -	- -
Total Capital	1,202	1,041	1,056	1,536
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt / EV	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -
TTM Sales	1,009	1,278	1,673	2,187
TTM EBITDA	-471	-223	-37	-1,010
TTM Operating Income	-479	-236	-62	-1,040
TTM Cash Flow to Firm	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	364	364	364	380
Diluted Weighted Avg Shares	336	336	364	236
Basic Weighted Avg Shares	336	336	364	236
Revenue per Share	3	3.8	4.59	9.26
EBITDA per Share	-1.4	-0.66	-0.1	-4.27
Operating Income per Share	-1.42	-0.7	-0.17	-4.4
Basic EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Basic EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27
Diluted EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Diluted EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27
Dividend per Share	- -	- -	- -	- -
Cash Flow per Share	-1.29	-0.47	0.18	0.22
Free Cash Flow per Basic Share	-1.44	-0.5	0.16	0.14
Cash & Equivalents per Share	2.57	2.2	1.94	2.77
Book Value per Share	-4.91	-5.36	-5.3	3.69
Tangible Book Value per Share	-4.91	-5.36	-5.3	3.69

Profitability (USD)

Profitability Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -
Return on Assets (%)	- -	-14.84	-1.82	-58.96
Return on Capital (%)	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -
Gross Margin (%)	78.72	82.81	87.6	87.97
EBITDA Margin (%)	-46.73	-17.43	-2.2	-46.19
Operating Margin (%)	-47.45	-18.44	-3.72	-47.56
Incremental Operating Margin (%)	- -	90.1	43.97	- -
Pretax Margin (%)	-46.65	-15.88	-1.36	-46.15
Profit Margin (%)	-46.61	-15.89	-1.51	-46.18
Net Income to Common Margin (%)	-46.61	-15.89	-1.51	-46.18
Effective Tax Rate (%)	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -

Credit (USD)

Credit Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	101	105	96	135
ST Debt	6	12	16	11
LT Debt	95	93	81	123
Total Debt/EBITDA	-0.21	-0.47	-2.62	-0.13
Net Debt/EBITDA	0.43	1.08	9.17	0.46
Total Debt/EBIT	-0.21	-0.44	-1.55	-0.13
Net Debt/EBIT	0.42	1.02	5.43	0.45
EBITDA to Interest Expense	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -
Common Equity/Total Assets	-126.19	-147.97	-132.14	71.35
Long-Term Debt/Equity (%)	8.59	9.92	8.4	8.8
Long-Term Debt/Capital (%)	7.87	8.92	7.63	8.02
Long-Term Debt/Total Assets (%)	6.67	7.04	5.52	6.28
Total Debt/Equity (%)	9.16	11.2	10.04	9.61
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt/Total Assets (%)	7.11	7.94	6.59	6.85
Net Debt to Equity	-18.47	-25.6	-35.19	-33.26
Net Debt/Capital (%)	-20.37	-29.91	-47.02	-43.57
EBITDA	-471	-223	-37	-1,010
EBITDA-CapEx	-520	-233	-42	-1,030
Operating Income (Loss)	-479	-236	-62	-1,040

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	4.35	2.77	1.89	2.72
Current Ratio	5.9	4.03	3.43	4.53
Quick Ratio	4.92	3.39	2.73	3.57
CFO/Avg Current Liab	- -	-0.62	0.19	0.14
Common Equity/Total Assets	-126.19	-147.97	-132.14	71.35
Long-Term Debt/Equity (%)	8.59	9.92	8.4	8.8
Long-Term Debt/Capital (%)	7.87	8.92	7.63	8.02
Long-Term Debt/Total Assets (%)	6.67	7.04	5.52	6.28
Total Debt/Equity (%)	9.16	11.2	10.04	9.61
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt/Total Assets (%)	7.11	7.94	6.59	6.85
CFO/Total Liabilities	-137.08	-40.81	12.79	9.38
CFO/CapEx	-8.91	-14.91	13.33	2.65
Altman's Z-Score	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	8.53	8.52	9.23
Days Sales Outstanding	- -	42.79	42.83	39.56
Inventory Turnover	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -
Inventories	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -
- Cash & Cash Equivalents	203	240	338	466
+ Preferred Equity and Hybrid Capital	2,890	2,890	2,890	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -
+ Total Debt	101	105	96	135
Enterprise Value	- -	- -	- -	- -
Total Capital	1,202	1,041	1,056	1,536
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt / EV	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -
TTM Sales	1,009	1,278	1,673	2,187
TTM EBITDA	-471	-223	-37	-1,010
TTM Operating Income	-479	-236	-62	-1,040
TTM Cash Flow to Firm	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	364	364	364	380
Diluted Weighted Avg Shares	336	336	364	236
Basic Weighted Avg Shares	336	336	364	236
Revenue per Share	3	3.8	4.59	9.26
EBITDA per Share	-1.4	-0.66	-0.1	-4.27
Operating Income per Share	-1.42	-0.7	-0.17	-4.4
Basic EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Basic EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27
Diluted EPS, GAAP	-1.4	-0.6	-0.07	-4.27
Diluted EPS from Cont Ops	-1.4	-0.6	-0.07	-4.27
Dividend per Share	- -	- -	- -	- -
Cash Flow per Share	-1.29	-0.47	0.18	0.22
Free Cash Flow per Basic Share	-1.44	-0.5	0.16	0.14
Cash & Equivalents per Share	2.57	2.2	1.94	2.77
Book Value per Share	-4.91	-5.36	-5.3	3.69
Tangible Book Value per Share	-4.91	-5.36	-5.3	3.69