Chime Financial (CHYM) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Chime Financial

NasdaqGS•Technology•Software - Application

$30.84-0.42(-0.01%)Market open

Market Cap

$11.52B

P/S

3.9x

P/B

8.2x

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

How this company scores

AverageMetricSide Score: 42/100

Strongest: Balance Sheet & Red Flags (15/25); weakest: Profitability (8/25).

Profitability8/25

Growth10/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality9/25

Strengths

Long cash runwayInterest easily coveredConsistent growthNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/S · 3.9x5y range 2.3x – 3.9x

P/B · 8.2x5y range 2.0x – 8.2x

Currently above its 5-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $11.52B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $2.98B
Q. Revenue: $669.77M
TTM EBITDA: $11.22M
TTM Op. Income: $-41.86M
Q. Op. Income: $21.32M
TTM Net Income: $-5.25M
Q. Net Income: $27.85M
EPS: $0.07
Shares Out.: $379.82M

$2.98B in TTM revenue grew from zero YoY, reaching $669.77M last quarter. TTM EBITDA of $11.22M and TTM operating income of $-41.86M show growth is flowing through to the bottom line. However, net income is negative at $5.25M — growth is not yet reaching the bottom line. Across the last 5 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 88.8%
EBITDA Margin: 4.4%
Op. Margin: 3.2%
Net Margin: 4.2%

Op. margin of 3.2% is up 179.4% YoY — cost efficiency is improving. Net margin at 4.2% and gross margin of 88.8% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 102% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 3.9x
P/B Ratio: 8.2x

P/S of 3.9x and P/B of 8.2x.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.00B
Cash: $536.04M
Long-Term Debt: N/A
Book Value: $1.40B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $207.48M
TTM Free Cash Flow: $312.18M
FCF Margin: 10.5%
FCF / Net Income: -59.4

TTM FCF of $312.18M on $207.48M in operating cash flow. The FCF / Net Income ratio of -59.4x means the business consumes cash — it is not yet self-funding. Across the last 5 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.