Chime Financial, Inc. Class A Common Stock

Chime Financial, Inc. Class A Common Stock

CHYM
Chime Financial, Inc. Class A Common StockUS flagNASDAQ Global Select
18.60
USD
-0.62
- -
7.09BMarket Cap
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3
3.8
4.59
9.26
7.37
Basic EPS, GAAP
-1.4
-0.6
-0.07
-4.27
-3.09
Free Cash Flow per Basic Share
-1.44
-0.5
0.16
0.14
0.45
Dividend per Share
- -
- -
- -
- -
- -
Book Value per Share
-6.35
-6.95
-6.49
-14.28
-10.58
Tangible Book Value per Share
-5.32
-5.81
-5.3
5.93
4.59
Basic Weighted Avg Shares
336
336
364
236
314
Sales/Revenue/Turnover
1,009
1,278
1,673
2,187
2,315
Operating Margin (%)
-47.45
-18.44
-3.72
-47.56
-43.32
Depreciation Expense
7
13
25
30
30
Net Income, GAAP
-470
-203
-25
-1,010
-969
Effective Tax Rate (%)
- -
- -
- -
- -
0.84
Profit Margin (%)
-46.61
-15.89
-1.51
-46.18
-41.87
Working Capital
1,056
873
912
1,368
1,400
LT Debt
95
93
81
123
121
Total Equity
1,101
937
960
1,402
1,441
Return on Invested Capital (%)
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
12
11
12
LT Borrowings
- -
- -
- -
LT Finance Leases
126
123
121
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
374
380
383
Market Capitalization
5,801
7,795
5,881

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
1,759
1,756
1,744
Cash, Cash Equivalents & STI
1,079
1,054
1,011
Accounts Receivable, Net
238
258
294
Inventories
- -
- -
- -
Total Current Liabilities
356
388
344
Payables & Accruals
129
131
146
ST Debt
12
11
12
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
- -
46.08%
Free Cash Flow
- -
- -
-44.56%
Net Income, GAAP
- -
- -
3,884.91%
Sales/Revenue/Turnover
- -
- -
30.69%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
392
384
422
475
1,673
2025
519
528
544
596
2,187
2026
647
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
-0.07
- -
-0.07
2025
- -
-7.29
-0.15
-0.12
-4.27
2026
0.14
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Mark T. Troughton
Full Time Employees
1,465
Sector
Financial Services
Industry
Banks - Regional
Address
101 California Street, Suite 500 San Francisco CA United States of America 94111
IPO Date
Jun 12, 2025
Website
chime.com
Business
Chime Financial, Inc. (Nasdaq: CHYM) is a financial technology company based in San Francisco, California, founded in 2012, that partners with FDIC-insured banks The Bancorp Bank, N.A. and Stride Bank, N.A. to offer mobile banking services to everyday consumers, including fee-free checking accounts with no minimum balances or monthly fees; SpotMe fee-free overdraft protection up to $200; early direct deposit access to paychecks up to two days early; MyPay earned wage access up to $500 before payday with no interest, credit checks, or mandatory fees; high-yield savings accounts offering up to 10% APY for qualifying Chime+ members; Pay Anyone peer-to-peer payment transfers; Chime Credit Builder secured Visa credit card with no annual fees, interest, late fees, or credit check; the recently launched Chime Card secured credit card providing 1.5% cash back on rotating categories, also with no annual fees, interest, or credit check; Chime+ premium membership tier unlocked via qualifying direct deposits for enhanced savings rates and benefits; in-app federal and state tax filing services; Chime Workplace employee financial wellness suite; and fee-free cash deposits at Walgreens locations plus access to over 60,000 ATMs. The company generates primarily interchange fees from debit card transactions and serves over 9 million active members, predominantly young Americans in the $35,000-$65,000 income range, with operations focused on the United States. In June 2025, Chime completed its initial public offering on Nasdaq under ticker CHYM, raising $864 million at a $11.6 billion valuation; it launched the Chime Card in September 2025; introduced Chime+ and MyPay in 2024; began offering tax filing services in January 2025; and in November 2025 reported third-quarter revenue growth of 29% year-over-year with active members up 21% to 9.1 million, while lifting its full-year 2025 revenue forecast.

Company News

APIChat
  • Chime and Invest America Launch the Compound Combine™ Series to Help All American Families Build Wealth Early

  • Chime and Invest America Launch the Compound Combine™ Series to Help All American Families Build Wealth Early

  • Chime Financial CEO Says Consumer Spending Holds Up as New Products Gain Traction

  • Chime Financial, Inc. (CHYM) Presents at J.P. Morgan 54th Annual Global Technology, Media and Communications Conference Transcript

  • Chime to Participate in William Blair Growth Stock Conference

  • Chime Q1 Results: Growth Projections Disappoint, Downgrade To Sell

  • Chime Financial, Inc. (CHYM) Q1 2026 Earnings Call Transcript

  • Chime Financial, Inc. (CHYM) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

  • Chime Financial, Inc. (CHYM) Q1 Earnings and Revenues Beat Estimates

  • Chime Leans on AI, Pushes Upmarket in First Profitable Quarter

  • Chime Reports First Quarter 2026 Financial Results

  • Chime to Participate in J.P. Morgan Global Technology, Media and Communications Conference

  • Junior Achievement and Chime Partner to Empower Students with Financial and Career-Connected Skills for a Growing Digital Economy

  • Evergreen Capital Management LLC Acquires New Shares in Chime Financial, Inc. $CHYM

  • Knowlej and Chime Launch Financial Futures Campaign to Help Students Build Financial Confidence and Strengthen Engagement in School

  • Baxter Bros Inc. Acquires Shares of 111,200 Chime Financial, Inc. $CHYM

  • Chime to Announce First Quarter 2026 Financial Results on May 6, 2026

  • WhiteFiber (NASDAQ:WYFI) versus Chime Financial (NASDAQ:CHYM) Financial Contrast

  • Perigon Wealth Management LLC Buys New Position in Chime Financial, Inc. $CHYM

  • Chime Financial, Inc. (NASDAQ:CHYM) Receives Average Recommendation of “Moderate Buy” from Brokerages