Chime Financial, Inc.: stock overview

CHYMNASDAQFinancial services · Finance Services

Price

$33.55

November 13, 2026Market cap $12.8B

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  • The full history: 3 fiscal years, from 2023
  • The estimated fair value, with its range and its certainty
  • The full analysis, 18 a month
  • More questions to the chat on its filings
  • Excel with every year
  • An email when it reports, changes its dividend or an officer buys

Sign in with a free account to see the last 5 fiscal years.

Notes on these figures

  • Profit over the last twelve months is well above what the business itself earned, because it includes large gains outside the business, such as on investments or from selling a business. The P/E is lower than the business alone would give.
  • Earnings per share here are the last twelve months' earnings over today's shares, so they agree with the P/E. The number of shares changed a lot during the year, so they differ from the earnings per share the company filed, which use the year's average number of shares.

In short

Chime Financial had revenue of $2.6B over the last 12 months and net income of $80M, a net margin of 3.1%. Revenue grew by 30.8% a year on average over the last 2 years. At $33.55 the shares trade at a P/E of 159.1. It holds more cash than debt, by $1.1B. It pays no dividend.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$12.8B
381M shares
P/E
159.1
Revenue, 12 months
$2.6B
+30.8% a year over 2 years
Net margin
3.1%
2025: -46.2%, above 20% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+30.8% a year over 2 years

  • 202510-K
    Revenue$2.2B
  • 2024
    Revenue$1.7B
  • 2023
    Revenue$1.3B

Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$12.8B
Enterprise value 
$11.7B
P/E 
159.1
EV / EBIT 
243.3
EV / Revenue 
4.4
P/B 
8.3
FCF yield 
3.3%
Earnings yield 
0.6%

Profitability

Gross margin 
89.4%
Operating margin 
1.8%
Net margin 3-year median: -15.9%
3.1%
ROIC 
2.6%
ROIC, 5-year average 
-58.6%
ROE 
5.6%

Growth

Revenue, yearly change 
+30.7%
EPS, yearly change 
–
FCF, yearly change 
-44.6%
Revenue, average a year 
+30.8%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$1.2B
Total debt 
$229M
Of which operating leases 
$129M
Net cash 
$1.1B
Net debt / EBITDA 
-13.9x
Interest cover 
–
Current ratio 
4.80

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
0.00%
Buybacks 
0.61%
Total returned 
0.61%
Shares, yearly change 
+252.9%
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Gross margin

88.0%

Above 98% of the 23 companies in its industry, and 99% of all.

Operating margin

-47.6%

Above 32% of the 51 companies in its industry, and 8% of all.

Net margin

-46.2%

Above 20% of the 105 companies in its industry, and 7% of all.

ROE

-72.1%

Above 9% of the 102 companies in its industry, and 5% of all.

ROA

-51.4%

Above 3% of the 109 companies in its industry, and 3% of all.

Revenue growth

30.7%

Above 75% of the 106 companies in its industry, and 89% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Chime Financial, Inc.
CIK
1795586
Exchange
NASDAQ
Industry (SIC)
6199 · Finance Services
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
381M

Other companies: Financial services

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The Financial services sectorAll companies

The full analysis

What do Chime Financial's filings show?

These are Chime Financial's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about CHYM

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What is CHYM's market cap?

Chime Financial, Inc.'s market cap is $12.8B, at a price of $33.55 on November 13, 2026 and 381M shares.

What is CHYM's P/E?

CHYM's P/E is 159.1, on earnings per share of $0.21 over the last 12 months.

How much revenue does CHYM have?

Chime Financial had revenue of $2.6B over the last 12 months. Over the last 2 years it changed by +30.8% a year on average.

Does CHYM pay a dividend?

No. Chime Financial paid no regular dividend over the last 12 months.

Where do the figures come from?

From Chime Financial, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.