CHYM
Chime Financial, Inc.
Price Chart
Latest Quote
$22.08
-0.01 (-0.05%)
Current Price
| Previous Close | $22.09 |
| Open | $22.17 |
| Day High | $22.39 |
| Day Low | $21.99 |
| Volume | 1,468,745 |
Stock Information
| Shares Outstanding | 348.89M |
| Total Debt | $132.74M |
| Cash Equivalents | $1.12B |
| Revenue | $2.32B |
| Net Income | $-956.48M |
| Sector | Technology |
| Industry | Software - Application |
| Market Cap | $8.51B |
| EPS (TTM) | $-4.14 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $7.52B |
| Sales | $2.32B |
| Income | $-956.48M |
| Book/sh | $3.77 |
| Cash/sh | $3.20 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 4.10 |
| Current Ratio | 5.07 |
| Debt/Eq | 9.21 |
| EPS Growth TTM | 313.10% |
Returns & Margins
| ROA | -21.53% |
| ROE | -80.00% |
| Gross Margin | 88.35% |
| Operating Margin | 20.86% |
| Profit Margin | -41.87% |
Ownership
| Insider Ownership | 7.17% |
| Institutional Ownership | 100.30% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 13.87 |
| P/S | 3.67 |
| P/B | 5.93 |
Analyst Data
| Recommendation | buy |
| Target Price | $30.16 |
Technical Indicators
| SMA20 | $20.25 |
| SMA50 | $18.81 |
| SMA200 | $21.11 |
| RSI | 68.72 |
| ATR | 1.1394 |
| Shares Float | 218.91M |
| Short Float | 6.55% |
| Short Ratio | 3.29 |
| Rel Volume | 1.19 |
Performance History
| Week | +6.74% |
| Month | +30.97% |
| Quarter | -4.61% |
| 6 Months | -13.08% |
| YTD | -15.42% |
| Year | -29.40% |
| 10 Years | -39.83% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $22.33 | 7,649,100 |
| 2026-07-16 | $21.93 | 4,838,300 |
| 2026-07-15 | $22.09 | 6,981,000 |
| 2026-07-14 | $21.46 | 4,619,100 |
| 2026-07-13 | $20.95 | 4,433,600 |
| 2026-07-10 | $20.92 | 3,488,100 |
| 2026-07-09 | $21.31 | 2,993,400 |
| 2026-07-08 | $20.98 | 3,818,400 |
| 2026-07-07 | $21.12 | 3,493,100 |
| 2026-07-06 | $21.45 | 5,615,100 |
| 2026-07-02 | $20.87 | 3,683,100 |
| 2026-07-01 | $21.01 | 6,499,300 |
| 2026-06-30 | $20.48 | 7,440,000 |
| 2026-06-29 | $21.00 | 8,168,900 |
| 2026-06-26 | $20.32 | 22,016,100 |
| 2026-06-25 | $18.27 | 5,908,000 |
| 2026-06-24 | $17.38 | 4,903,400 |
| 2026-06-23 | $16.67 | 6,395,700 |
| 2026-06-22 | $16.92 | 7,368,800 |
| 2026-06-18 | $17.60 | 7,835,000 |
About Chime Financial, Inc.
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.
đ° Latest News
Is Chime Financial (CHYM) Still Undervalued As Index Inclusions Put Valuation In Focus?
Simply Wall St. âĸ 2026-07-08T23:13:26Z
Chime Financial (CHYM) Joins Major Russell Indexes And Puts Its Stock In Focus
Simply Wall St. âĸ 2026-07-08T15:13:10Z
Chime (CHYM) Maps Out Its Next Phase of Growth at the William Blair Conference
Insider Monkey âĸ 2026-07-08T12:00:43Z
Chime (CHYM) Stock Looks Reasonable With Shares Below Fair Value
Simply Wall St. âĸ 2026-07-08T05:10:04Z
Can Dave's ExtraCash Growth Engine Keep Delivering?
Zacks âĸ 2026-07-07T14:38:00Z
5 Reasons to Add Dave Stock to Your Portfolio Right Now
Zacks âĸ 2026-07-03T15:39:00Z
Circle Internet stock falls on new stablecoin venture report
Investing.com âĸ 2026-06-30T14:05:23ZChime Financial, Inc. (CHYM) Surges 11.2%: Is This an Indication of Further Gains?
Zacks âĸ 2026-06-29T17:43:00Z
Chime Financial, Inc. (CHYM) Upgraded to Buy: What Does It Mean for the Stock?
Zacks âĸ 2026-06-29T16:00:02Z
The Street Expects More Than 70% Upside for Chime Financial (CHYM) Despite 5.3% Decline Over the Past Month
Insider Monkey âĸ 2026-06-26T21:13:12Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $249,026,000 | $196,991,000 | $218,421,000 | $214,686,000 |
| Cost Of Revenue | $263,047,000 | $207,511,000 | $219,737,000 | $214,686,000 |
| Total Revenue | $2,186,770,000 | $1,673,269,000 | $1,278,455,000 | $1,008,838,000 |
| Operating Revenue | $2,186,770,000 | $1,673,269,000 | $1,278,455,000 | $1,008,838,000 |
| Expenses | ||||
| Total Expenses | $3,226,749,000 | $1,735,468,000 | $1,514,240,000 | $1,487,540,000 |
| Other Income Expense | $30,874,000 | $39,465,000 | $32,817,000 | $8,111,000 |
| Other Non Operating Income Expenses | $30,874,000 | $39,465,000 | $32,817,000 | $8,111,000 |
| Operating Expense | $2,963,702,000 | $1,527,957,000 | $1,294,503,000 | $1,272,854,000 |
| Other Operating Expenses | $865,301,000 | $506,543,000 | $425,130,000 | $419,180,000 |
| Selling And Marketing Expense | $635,384,000 | $519,760,000 | $443,806,000 | $434,225,000 |
| General And Administrative Expense | $512,113,000 | $177,229,000 | $154,945,000 | $169,716,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Normalized Income | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Net Income From Continuing And Discontinued Operation | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Total Operating Income As Reported | $-1,039,979,000 | $-62,199,000 | $-235,785,000 | $-478,702,000 |
| Net Income Common Stockholders | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Net Income | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Net Income Including Noncontrolling Interests | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Net Income Continuous Operations | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Pretax Income | $-1,009,105,000 | $-22,734,000 | $-202,968,000 | $-470,591,000 |
| Operating Income | $-1,039,979,000 | $-62,199,000 | $-235,785,000 | $-478,702,000 |
| Depreciation Amortization Depletion Income Statement | $15,979,000 | $14,850,000 | $11,621,000 | $7,300,000 |
| Depreciation And Amortization In Income Statement | $15,979,000 | $14,850,000 | $11,621,000 | $7,300,000 |
| Gross Profit | $1,923,723,000 | $1,465,758,000 | $1,058,718,000 | $794,152,000 |
| Per Share | ||||
| Diluted EPS | $-4.27 | $-0.07 | $-0.60 | $-1.41 |
| Basic EPS | $-4.27 | $-0.07 | $-0.60 | $-1.41 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $-1,009,979,000 | $-36,829,000 | $-222,848,000 | $-471,402,000 |
| Reconciled Depreciation | $30,000,000 | $25,370,000 | $12,937,000 | $7,300,000 |
| EBITDA (Bullshit earnings) | $-1,009,979,000 | $-36,829,000 | $-222,848,000 | $-471,402,000 |
| EBIT | $-1,039,979,000 | $-62,199,000 | $-235,785,000 | $-478,702,000 |
| Diluted Average Shares | $236,270,347 | $364,421,538 | $336,399,191 | $336,399,191 |
| Basic Average Shares | $236,270,347 | $364,421,538 | $336,399,191 | $336,399,191 |
| Diluted NI Availto Com Stockholders | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Tax Provision | $831,000 | $2,610,000 | $234,000 | $-337,000 |
| Research And Development | $934,925,000 | $309,575,000 | $259,001,000 | $242,433,000 |
| Selling General And Administration | $1,147,497,000 | $696,989,000 | $598,751,000 | $603,941,000 |
| Other Gand A | $512,113,000 | $177,229,000 | $154,945,000 | $169,716,000 |
Fetched: 2026-07-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,401,706,000 | $959,521,000 | $936,508,000 | $1,101,043,000 |
| Total Assets | $1,964,605,000 | $1,461,037,000 | $1,320,252,000 | $1,417,754,000 |
| Total Non Current Assets | $208,595,000 | $174,001,000 | $158,413,000 | $146,414,000 |
| Other Non Current Assets | $30,846,000 | $31,969,000 | $914,000 | $200,000 |
| Current Assets | $1,756,010,000 | $1,287,036,000 | $1,161,839,000 | $1,271,340,000 |
| Other Current Assets | $106,753,000 | $70,464,000 | $45,960,000 | $58,139,000 |
| Restricted Cash | $265,712,000 | $194,026,000 | $138,704,000 | $152,027,000 |
| Receivables | $329,465,000 | $315,960,000 | $176,547,000 | $123,203,000 |
| Loans Receivable | $71,581,000 | $99,799,000 | $0 | - |
| Accounts Receivable | $257,884,000 | $216,161,000 | $176,547,000 | $123,203,000 |
| Cash Cash Equivalents And Short Term Investments | $1,054,080,000 | $706,586,000 | $800,628,000 | $937,971,000 |
| Cash And Cash Equivalents | $466,252,000 | $337,697,000 | $239,745,000 | $203,364,000 |
| Debt | ||||
| Total Debt | $134,665,000 | $96,336,000 | $104,894,000 | $100,806,000 |
| Long Term Debt And Capital Lease Obligation | $123,284,000 | $80,590,000 | $92,931,000 | $94,537,000 |
| Current Debt And Capital Lease Obligation | $11,381,000 | $15,746,000 | $11,963,000 | $6,269,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $562,899,000 | $501,516,000 | $383,744,000 | $316,711,000 |
| Total Non Current Liabilities Net Minority Interest | $174,975,000 | $126,699,000 | $95,092,000 | $101,196,000 |
| Other Non Current Liabilities | $51,691,000 | $46,109,000 | $2,161,000 | $6,659,000 |
| Current Liabilities | $387,924,000 | $374,817,000 | $288,652,000 | $215,515,000 |
| Other Current Liabilities | $193,069,000 | $161,636,000 | $108,356,000 | $101,805,000 |
| Payables And Accrued Expenses | $130,614,000 | $144,091,000 | $121,439,000 | $89,685,000 |
| Payables | $38,680,000 | $35,846,000 | $22,143,000 | $20,790,000 |
| Accounts Payable | $38,680,000 | $35,846,000 | $22,143,000 | $20,790,000 |
| Equity | ||||
| Common Stock Equity | $1,401,706,000 | $-1,930,600,000 | $-1,953,613,000 | $-1,789,078,000 |
| Total Equity Gross Minority Interest | $1,401,706,000 | $959,521,000 | $936,508,000 | $1,101,043,000 |
| Stockholders Equity | $1,401,706,000 | $959,521,000 | $936,508,000 | $1,101,043,000 |
| Gains Losses Not Affecting Retained Earnings | $172,000 | $203,000 | $720,000 | $-6,826,000 |
| Other Equity Adjustments | $172,000 | $203,000 | $720,000 | $-6,826,000 |
| Retained Earnings | $-3,374,104,000 | $-2,364,168,000 | $-2,338,824,000 | $-2,135,622,000 |
| Preferred Stock Equity | - | $2,890,121,000 | $2,890,121,000 | $2,890,121,000 |
| Other | ||||
| Ordinary Shares Number | $379,933,372 | $364,421,538 | $364,421,538 | $364,421,538 |
| Share Issued | $379,933,372 | $364,421,538 | $364,421,538 | $364,421,538 |
| Tangible Book Value | $1,401,706,000 | $-1,930,600,000 | $-1,953,613,000 | $-1,789,078,000 |
| Invested Capital | $1,401,706,000 | $-1,930,600,000 | $-1,953,613,000 | $-1,789,078,000 |
| Working Capital | $1,368,086,000 | $912,219,000 | $873,187,000 | $1,055,825,000 |
| Capital Lease Obligations | $134,665,000 | $96,336,000 | $104,894,000 | $100,806,000 |
| Total Capitalization | $1,401,706,000 | $959,521,000 | $936,508,000 | $1,101,043,000 |
| Additional Paid In Capital | $4,775,607,000 | $433,363,000 | $384,489,000 | $353,369,000 |
| Capital Stock | $31,000 | $2,890,123,000 | $2,890,123,000 | $2,890,122,000 |
| Common Stock | $31,000 | $2,000 | $2,000 | $1,000 |
| Preferred Stock | $0 | $2,890,121,000 | $2,890,121,000 | $2,890,121,000 |
| Long Term Capital Lease Obligation | $123,284,000 | $80,590,000 | $92,931,000 | $94,537,000 |
| Current Capital Lease Obligation | $11,381,000 | $15,746,000 | $11,963,000 | $6,269,000 |
| Pensionand Other Post Retirement Benefit Plans Current | $52,860,000 | $53,344,000 | $46,894,000 | $17,756,000 |
| Current Accrued Expenses | $91,934,000 | $108,245,000 | $99,296,000 | $68,895,000 |
| Net PPE | $177,749,000 | $142,032,000 | $157,499,000 | $146,214,000 |
| Accumulated Depreciation | $-73,831,000 | $-45,512,000 | $-21,657,000 | $-9,297,000 |
| Gross PPE | $251,580,000 | $187,544,000 | $179,156,000 | $155,511,000 |
| Leases | $79,429,000 | $61,736,000 | $58,884,000 | $50,697,000 |
| Other Properties | $83,429,000 | $49,332,000 | $53,093,000 | $56,892,000 |
| Machinery Furniture Equipment | $88,722,000 | $76,476,000 | $67,179,000 | $47,922,000 |
| Properties | $0 | $0 | $0 | $0 |
| Other Short Term Investments | $587,828,000 | $368,889,000 | $560,883,000 | $734,607,000 |
Fetched: 2026-07-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $24,060,000 | $49,671,000 | $-184,409,000 | $-507,046,000 |
| Operating Activities | ||||
| Operating Cash Flow | $52,780,000 | $64,140,000 | $-156,594,000 | $-434,133,000 |
| Cash Flow From Continuing Operating Activities | $52,780,000 | $64,140,000 | $-156,594,000 | $-434,133,000 |
| Investing Activities | ||||
| Capital Expenditure | $-28,720,000 | $-14,469,000 | $-27,815,000 | $-72,913,000 |
| Investing Cash Flow | $-289,688,000 | $45,659,000 | $167,012,000 | $150,541,000 |
| Cash Flow From Continuing Investing Activities | $-289,688,000 | $45,659,000 | $167,012,000 | $150,541,000 |
| Net Other Investing Changes | $-47,222,000 | $-130,447,000 | - | - |
| Capital Expenditure Reported | $-8,833,000 | $-9,657,000 | $-17,314,000 | $-24,185,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-77,538,000 | $-950,000 | $-61,000 | $-508,000 |
| Issuance Of Capital Stock | $770,588,000 | $0 | $0 | - |
| Financing Cash Flow | $367,668,000 | $456,000 | $842,000 | $1,022,000 |
| Cash Flow From Continuing Financing Activities | $367,668,000 | $456,000 | $842,000 | $1,022,000 |
| Net Other Financing Charges | $-350,540,000 | - | $-830,000 | - |
| Net Common Stock Issuance | $693,050,000 | $-950,000 | $-61,000 | $-508,000 |
| Common Stock Issuance | $770,588,000 | $0 | $0 | - |
| Other | ||||
| Interest Paid Supplemental Data | $330,000 | $467,000 | $54,000 | $0 |
| Income Tax Paid Supplemental Data | $1,126,000 | $2,178,000 | $275,000 | $208,000 |
| End Cash Position | $480,760,000 | $350,000,000 | $239,745,000 | $228,485,000 |
| Beginning Cash Position | $350,000,000 | $239,745,000 | $228,485,000 | $511,055,000 |
| Changes In Cash | $130,760,000 | $110,255,000 | $11,260,000 | $-282,570,000 |
| Proceeds From Stock Option Exercised | $25,158,000 | $1,406,000 | $1,733,000 | $1,530,000 |
| Common Stock Payments | $-77,538,000 | $-950,000 | $-61,000 | $-508,000 |
| Net Investment Purchase And Sale | $-213,746,000 | $203,911,000 | $194,827,000 | $223,454,000 |
| Sale Of Investment | $521,214,000 | $701,489,000 | $805,496,000 | $650,159,000 |
| Purchase Of Investment | $-734,960,000 | $-497,578,000 | $-610,669,000 | $-426,705,000 |
| Net Business Purchase And Sale | $0 | $-13,336,000 | $0 | $0 |
| Purchase Of Business | $0 | $-13,336,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-19,887,000 | $-4,812,000 | $-10,501,000 | $-48,728,000 |
| Purchase Of PPE | $-19,887,000 | $-4,812,000 | $-10,501,000 | $-48,728,000 |
| Change In Working Capital | $-234,317,000 | $-104,230,000 | $-136,727,000 | $-158,936,000 |
| Change In Other Working Capital | $-69,481,000 | $-43,019,000 | $-11,798,000 | $-18,444,000 |
| Change In Other Current Liabilities | $-23,657,000 | $-44,044,000 | $-73,835,000 | $-42,277,000 |
| Change In Payables And Accrued Expense | $-74,598,000 | $47,255,000 | $-9,948,000 | $-57,234,000 |
| Change In Accrued Expense | $-77,432,000 | $33,552,000 | $-11,301,000 | $-51,274,000 |
| Change In Payable | $2,834,000 | $13,703,000 | $1,353,000 | $-5,960,000 |
| Change In Account Payable | $2,834,000 | $13,703,000 | $1,353,000 | $-5,960,000 |
| Change In Prepaid Assets | $-23,624,000 | $-24,115,000 | $12,198,000 | $-11,703,000 |
| Change In Receivables | $-42,957,000 | $-40,307,000 | $-53,344,000 | $-29,278,000 |
| Changes In Account Receivables | $-42,957,000 | $-40,307,000 | $-53,344,000 | $-29,278,000 |
| Other Non Cash Items | $54,910,000 | $52,453,000 | $76,984,000 | $89,480,000 |
| Stock Based Compensation | $1,070,898,000 | $29,845,000 | $26,035,000 | $28,350,000 |
| Provisionand Write Offof Assets | $141,225,000 | $84,145,000 | $67,379,000 | $46,192,000 |
| Asset Impairment Charge | $0 | $1,901,000 | $0 | $20,827,000 |
| Depreciation Amortization Depletion | $30,000,000 | $25,370,000 | $12,937,000 | $7,300,000 |
| Depreciation And Amortization | $30,000,000 | $25,370,000 | $12,937,000 | $7,300,000 |
| Net Income From Continuing Operations | $-1,009,936,000 | $-25,344,000 | $-203,202,000 | $-470,254,000 |
| Amortization Of Securities | - | $-12,531,000 | $-14,762,000 | $2,908,000 |
Fetched: 2026-07-16