Superworth

Chime Financial profit margin CHYM

Gross, operating and net profit as a share of revenue over the last twelve months, from 2024.

Net margin, 12 months
−0.7%
Operating margin, 12 months
−2.1%
Net margin on a year earlier
+48.2 pts
Peer median
11.6%

Over the twelve months to Jun 30, 2026, Chime Financial kept −0.7% of its revenue as net profit, with an operating margin of −2.1% and a gross margin of 88.7%.

The median for 10 credit services stocks of a similar size is 11.6%.

Profit margin over time

GrossOperatingNet

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet marginOperating marginGross margin
FY2025−46.2%−47.6%88.0%
FY2024−1.5%−3.7%87.6%

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a yearOperating margin
Q2 FY26−0.7%+48.2 pts−2.1%
Q1 FY26−41.9%−40.3 pts−43.3%
Q4 FY25−46.2%−44.7 pts−47.6%
Q3 FY25−47.7%n/a−49.1%
Q2 FY25−49.0%n/a−50.4%
Q1 FY25−1.6%n/a−3.2%
Q4 FY24−1.5%n/a−3.7%
Q3 FY24n/an/an/a
Q2 FY24n/an/an/a
Q1 FY24n/an/an/a

Against its peers

Companies in Financial - Credit Services nearest Chime Financial's size, closest first, today.

CompanyProfit margin
CHYMChime Financial−0.7%
CARTMaplebear12.0%
CSGPCostar2.1%
HQYHealthequity17.4%
RBARB Global10.0%
ETSYEtsy7.3%
ZGZillow2.0%
WEXWEX12.6%
SOFISoFi Technologies14.8%
EXLSExlService11.2%
OMFOneMain15.4%
Peer median11.6%

Where Chime Financial ranks

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Chime Financial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.