Chime Financial, Inc.
CHYM
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Chime Financial, Inc. operates in the rapidly growing fintech sector, which is expected to continue expanding as consumers increasingly prefer digital financial solutions over traditional banking.
- Chime's revenue grew by 26.8% year-over-year, indicating strong demand for its services.
- The company reported a gross margin of 88.8% in the latest quarter, showcasing its ability to maintain high profitability despite operational challenges.
- Chime is facing significant competition in the fintech space from established players and new entrants, which could impact its market share and growth potential.
- The operating margin has compressed to 3.2% in the latest quarter, down from 7.1% in the previous quarter, signaling potential operational inefficiencies.
- Chime reported a net income loss of $203.2 million in 2023, highlighting ongoing financial struggles despite revenue growth.
Fundamentals
| Market cap | $10.96B | Enterprise value | $9.98B | Trailing P/E | 32.91 | Forward P/E | 17.99 |
| PEG | — | Price / book | 7.81 | Beta | — | Dividend yield | 0.00% |
| Revenue growth | 26.8% | Earnings growth | — | Gross margin | 88.7% | Operating margin | 18.6% |
| Profit margin | -0.7% | ROE | -1.3% | ROA | 12.0% | Debt / equity | 0.13 |
| Current ratio | 4.62 | Free cash flow | $437.65M | Analyst recommendation | strong_buy | Mean target | $39.73 |
| 52w high | $35.55 | 52w low | $15.88 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $670M | $647M | $596M | $544M | $528M | — |
| Op margin | 3.2% | 7.1% | -9.0% | -11.9% | -176.2% | — |
| Net income | $27.9M | $53.5M | -$44.8M | -$54.7M | -$923M | — |
| Gross margin | 88.8% | 89.6% | 88.9% | 87.2% | 87.3% | — |
| Gross profit | $595M | $580M | $530M | $474M | $461M | — |
| Operating income | $21.3M | $46.2M | -$53.8M | -$64.7M | -$931M | — |
- Revenue +3% vs prior quarter ($670M vs $647M).
- Gross margin 88.8% (was 89.6% prior quarter).
- Operating margin compressed to 3.2%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $2.2B | $1.7B | $1.3B | $1.0B |
| Op margin | -47.6% | -3.7% | -18.4% | -47.5% |
| Net income | -$1.0B | -$25.3M | -$203M | -$470M |
| Gross margin | 88.0% | 87.6% | 82.8% | 78.7% |
| Gross profit | $1.9B | $1.5B | $1.1B | $794M |
| Operating income | -$1.0B | -$62.2M | -$236M | -$479M |
Headlines — watch
• [WARN · legal] SoFi Is Bypassing the Banking Bottleneck With Stablecoin Settlement
• [OK · fundamentals] Chime Financial Shares Rise After Deutsche Bank Upgrade
News
2026-10-08 · Chime Financial Shares Rise After Deutsche Bank Upgrade
2026-10-08 · NU Stock Rallies 23% in October: Is There Still Room for More Gains?
2026-10-08 · Upstart Expands Credit Union Network With Denver Partnership
2026-10-08 · Palantir upgraded, Xerox downgraded: Wall Street's top analyst calls
2026-10-08 · Deutsche Bank Upgrades Chime Financial to Buy From Hold, Price Target is $35
2026-10-08 · The Zacks Analyst Blog Highlights Chime Financial, Marqeta and Kronos
2026-10-07 · 3 Stocks With 100%+ Projected Q3 Earnings Growth to Buy Before Results
2026-10-02 · Top Bank Names 6 Stocks With Major Catalysts Ahead
2026-09-29 · Nu vs. Chime: Which Digital Banking Stock Is the Better Buy?
2026-09-26 · SoFi Is Bypassing the Banking Bottleneck With Stablecoin Settlement
2026-09-23 · Is Chime Stock a Buy, Sell, or Hold After Nearly Doubling From Its 52-Week Low?
Price (daily)
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