SuperworthChime Financial CHYM
- Market cap
- $11.2B
- PE
- n/m
- a loss over the last year
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 4.6×
- EV/EBIT
- n/m
- a sliver of operating profit
- Revenue, 12 months
- $2.5B
- +26% on a year ago
- Net margin
- −0.7%
- Free cash flow yield
- 2.8%
Chime Financial trades at 4.6× sales. Its trailing earnings are negative, so it has no PE. Revenue was $2.5B over the last twelve months, up 26% on a year earlier with a −1% net margin.
Charts
Financials
| Income statement | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|
| $392M | $384.2M | $421.9M | $475.2M | $518.7M+32% | $528.1M+38% | $543.5M+29% | $596.4M+26% | $647.4M+25% | $669.8M+27% | |
| Cost of revenue | $47.4M | $50.5M | $53.5M | $56M | $60.4M+27% | $67.1M+33% | $69.4M+30% | $66.1M+18% | $67.1M+11% | $74.9M+12% |
| Gross profit | $344.5M | $333.7M | $368.4M | $419.2M | $458.3M+33% | $461M+38% | $474.1M+29% | $530.3M+27% | $580.3M+27% | $594.9M+29% |
| R&D | $74.9M | $75.4M | $80.4M | $78.9M | $77.9M+4% | $621.8M+725% | $123.9M+54% | $111.3M+41% | $109.8M+41% | $112.1M−82% |
| SG&A | $156.3M | $159.7M | $189.8M | $191.3M | $179.7M+15% | $464.7M+191% | $230.2M+21% | $272.9M+43% | $235.9M+31% | $244.3M−47% |
| $5M | −$9.4M | −$30.6M | −$27.1M | $9.1M+82% | −$930.6M+9757% | −$64.7M+111% | −$53.8M+98% | $46.2M+405% | $21.3M | |
| Pre-tax income | $15.5M | $463K | −$19.8M | −$18.9M | $14.5M−7% | −$924.4M | −$54.4M+175% | −$44.7M+137% | $53.9M+272% | $28.1M |
| −$362K | $78K | $2.2M | $695K | $1.6M | −$1M | $280K−87% | $46K−93% | $455K−71% | $213K | |
| Net income | $15.9M | $385K | −$22M | −$19.6M | $12.9M−19% | −$923.4M | −$54.7M+148% | −$44.8M+128% | $53.5M+313% | $27.9M |
| $0.00 | $0.00 | −$0.34 | −$0.30 | $0.00 | −$7.29 | −$0.15−56% | −$0.12−60% | $0.13 | $0.07 | |
| 64.4M | 64.7M | 65.1M | 65.4M | 65.9M+2% | 126.6M+96% | 371.8M+471% | 375.9M+475% | 400.5M+508% | 393.4M+211% |
Revenue: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Cost of revenue: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Gross profit: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
R&D: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
SG&A: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Operating income: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Pre-tax income: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Income tax: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
Net income: Q1 FY24 and Q1 FY25: 6 months less the 3 months printed beside them.
EPS, diluted: 3 periods, Q1 FY24 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: Q1 FY24: share-days: the 6-month average less the second quarter's. Q4 FY24 and Q4 FY25: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest Chime Financial's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| CHYMChime Financial | $11.2B | n/m | n/a | n/m | 4.6× | +26% | −0.7% |
| CARTMaplebear | $13.1B | 31.0× | 25.9× | n/m | 3.3× | +13% | 12.0% |
| CSGPCostar | $13.7B | 179× | 91.9× | n/m | 3.9× | +22% | 2.1% |
| HQYHealthequity | $8.6B | 37.7× | 78.2× | n/m | 6.3× | +7% | 17.4% |
| RBARB Global | $15.6B | 36.1× | 41.8× | n/m | 3.2× | +10% | 10.0% |
| ETSYEtsy | $8B | 53.3× | 50.6× | n/m | 2.8× | +4% | 7.3% |
| ZGZillow | $7.7B | 155× | 154× | n/m | 2.7× | +18% | 2.0% |
| WEXWEX | $6.7B | 19.7× | 42.8× | n/m | 2.4× | +7% | 12.6% |
| SOFISoFi Technologies | $18.9B | 30.5× | 46.4× | 20.3× | n/m | +41% | 14.8% |
| EXLSExlService | $6.4B | 26.6× | 34.7× | n/m | 2.9× | +14% | 11.2% |
| OMFOneMain | $6.4B | 8.4× | 9.1× | n/m | 1.3× | +8% | 15.4% |
| Peer median | $8.3B | 33.6× | 44.6× | 20.3× | 2.9× | +11% | 11.6% |
Investors who own it
Investors we follow who held Chime Financial at the end of Jun 30, 2026, from their 13F filings.
- Marc StadDragoneer Investment Group3.1% of portfolio
- Chase ColemanTiger Global Management0.5% of portfoliotrimmed
- Baillie GiffordBaillie Gifford0.0% of portfolio
More on Chime Financial
Each number over time
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .