Chime Financial, Inc. Class A Common Stock

CHYM

CHYMChime Financial, Inc. Class A Common Stock US flag

NASDAQ Global Select

33.76

USD

+0.11

- -

12.86BMarket Cap

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 (%)	- -	- -	- -	- -
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	-1.62	-1.31	-0.51	7.99

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	- -	10.24	7.16	7.06
Accounts Payable Turnover Days	- -	35.66	51	51.71
Cash Conversion Cycle	- -	7.13	-8.17	-12.14
Inventory to Cash Days	- -	42.79	42.83	39.56
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	- -	- -	- -	9,563
- 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	2,053	2,194	2,280	8,644
Total Capital	1,202	1,041	1,056	1,536
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt / EV	0.05	0.05	0.04	0.02
EV/Sales	2.03	1.72	1.36	3.95
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	35.55	163.76
EV/Free Cash Flow to Firm	- -	- -	33.06	118.95
Diluted Market Cap	- -	- -	- -	5,947
Diluted Enterprise Value	2,788	2,755	2,649	5,615
EV per Share	5.63	6.02	6.26	22.75
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	-434	-157	64	53
TTM Free Cash Flow to Firm	-385	-146	69	73

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	- -	81.84
EV/EBIT	- -	- -	- -	- -
Enterprise Value	2,053	2,194	2,280	8,644
Low Price	- -	- -	- -	16.17
EV/Sales	2.03	1.72	1.36	3.95
EV/EBITDA	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	-5.97
Price/Earnings High	- -	- -	- -	-10.51
Price/Earnings Low	- -	- -	- -	-3.78
Price/Book Value	- -	- -	- -	6.82
Price/Book Value Average	- -	- -	- -	6.92
Price/Book Value High	- -	- -	- -	12.18
Price/Book Value Low	- -	- -	- -	4.38
Price/Tangible Book Value	- -	- -	- -	6.82
Price/Tangible Book Value Average	- -	- -	- -	6.92
Price/Tangible Book Value High	- -	- -	- -	12.18
Price/Tangible Book Value Low	- -	- -	- -	4.38
Price/Sales	- -	- -	- -	2.72
Price/Sales Average	- -	- -	- -	2.76
Price/Sales High	- -	- -	- -	4.86
Price/Sales Low	- -	- -	- -	1.75
Price/Cash Flow	- -	- -	- -	112.67
Price/Cash Flow Average	- -	- -	- -	114.26
Price/Cash Flow High	- -	- -	- -	201.17
Price/Cash Flow Low	- -	- -	- -	72.39
Price/Free Cash Flow Average	- -	- -	- -	82.99
Price/Free Cash Flow High	- -	- -	- -	146.12
Price/Free Cash Flow Low	- -	- -	- -	52.58
EV/Sales Average	2.76	2.16	1.58	4.28
EV/Sales High	2.76	2.16	1.58	7.66
EV/Sales Low	2.76	2.16	1.58	2.66
EV/EBITDA Average	-5.91	-12.36	-71.92	-9.27
EV/EBITDA High	-5.91	-12.36	-71.92	-16.58
EV/EBITDA Low	-5.91	-12.36	-71.92	-5.75
EV/EBIT Average	-5.82	-11.69	-42.59	-9.01
EV/EBIT High	-5.82	-11.69	-42.59	-16.1
EV/EBIT Low	-5.82	-11.69	-42.59	-5.59
Last Price	- -	- -	- -	25.17
High Price	- -	- -	- -	44.94
Enterprise Value Average	2,788	2,755	2,649	9,366
Enterprise Value High	2,788	2,755	2,649	16,743
Enterprise Value Low	2,788	2,755	2,649	5,812

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 (%)	- -	- -	- -	- -
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	-1.62	-1.31	-0.51	7.99

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	- -	10.24	7.16	7.06
Accounts Payable Turnover Days	- -	35.66	51	51.71
Cash Conversion Cycle	- -	7.13	-8.17	-12.14
Inventory to Cash Days	- -	42.79	42.83	39.56
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	- -	- -	- -	9,563
- 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	2,053	2,194	2,280	8,644
Total Capital	1,202	1,041	1,056	1,536
Total Debt/Capital (%)	8.39	10.07	9.12	8.77
Total Debt / EV	0.05	0.05	0.04	0.02
EV/Sales	2.03	1.72	1.36	3.95
EV/EBITDA	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	35.55	163.76
EV/Free Cash Flow to Firm	- -	- -	33.06	118.95
Diluted Market Cap	- -	- -	- -	5,947
Diluted Enterprise Value	2,788	2,755	2,649	5,615
EV per Share	5.63	6.02	6.26	22.75
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	-434	-157	64	53
TTM Free Cash Flow to Firm	-385	-146	69	73

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	- -	81.84
EV/EBIT	- -	- -	- -	- -
Enterprise Value	2,053	2,194	2,280	8,644
Low Price	- -	- -	- -	16.17
EV/Sales	2.03	1.72	1.36	3.95
EV/EBITDA	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	-5.97
Price/Earnings High	- -	- -	- -	-10.51
Price/Earnings Low	- -	- -	- -	-3.78
Price/Book Value	- -	- -	- -	6.82
Price/Book Value Average	- -	- -	- -	6.92
Price/Book Value High	- -	- -	- -	12.18
Price/Book Value Low	- -	- -	- -	4.38
Price/Tangible Book Value	- -	- -	- -	6.82
Price/Tangible Book Value Average	- -	- -	- -	6.92
Price/Tangible Book Value High	- -	- -	- -	12.18
Price/Tangible Book Value Low	- -	- -	- -	4.38
Price/Sales	- -	- -	- -	2.72
Price/Sales Average	- -	- -	- -	2.76
Price/Sales High	- -	- -	- -	4.86
Price/Sales Low	- -	- -	- -	1.75
Price/Cash Flow	- -	- -	- -	112.67
Price/Cash Flow Average	- -	- -	- -	114.26
Price/Cash Flow High	- -	- -	- -	201.17
Price/Cash Flow Low	- -	- -	- -	72.39
Price/Free Cash Flow Average	- -	- -	- -	82.99
Price/Free Cash Flow High	- -	- -	- -	146.12
Price/Free Cash Flow Low	- -	- -	- -	52.58
EV/Sales Average	2.76	2.16	1.58	4.28
EV/Sales High	2.76	2.16	1.58	7.66
EV/Sales Low	2.76	2.16	1.58	2.66
EV/EBITDA Average	-5.91	-12.36	-71.92	-9.27
EV/EBITDA High	-5.91	-12.36	-71.92	-16.58
EV/EBITDA Low	-5.91	-12.36	-71.92	-5.75
EV/EBIT Average	-5.82	-11.69	-42.59	-9.01
EV/EBIT High	-5.82	-11.69	-42.59	-16.1
EV/EBIT Low	-5.82	-11.69	-42.59	-5.59
Last Price	- -	- -	- -	25.17
High Price	- -	- -	- -	44.94
Enterprise Value Average	2,788	2,755	2,649	9,366
Enterprise Value High	2,788	2,755	2,649	16,743
Enterprise Value Low	2,788	2,755	2,649	5,812

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

Chime Financial, Inc. Class A Common Stock

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)