(CHYM) Chime Financial, Common - NASDAQ
Sector: Technology | Industry: Software - Application | Exchange: NASDAQ (USA) | Market Cap: 6.363m USD | Total Return: -51.8% in 12m
Avg Turnover: 70.7M
Qual. Beats: 0
Rev. Trend: 100.0%
Warnings
Fakeout Below Avwap Earnings
Tailwinds
Confidence
Chime Financial, Inc. is a financial technology firm specializing in digital consumer banking and payment solutions. Its core offerings include fee-free checking accounts, debit cards, and credit-building tools designed to improve user liquidity and FICO scores. The company operates as a neobank, a business model that typically leverages partnerships with traditional chartered banks to provide federally insured services without maintaining physical branch infrastructure.
The company also provides enterprise-level tools through Chime Workplace and maintains a suite of peer-to-peer payment features like SpotMe and Pay Anyone. Within the Transaction & Payment Processing Services sector, firms like Chime focus on reducing consumer friction by automating overdraft protection and accelerating access to direct deposits. You can evaluate the fundamental metrics of this sector by exploring the data available on ValueRay.
Founded in 2012 and formerly known as 1Debit Inc., the company is headquartered in San Francisco. It serves both domestic and international markets, positioning itself as a mobile-first alternative to legacy financial institutions.
- Interchange revenue growth driven by increased debit and credit card transaction volume
- Adoption of MyPay and liquidity products expands high-margin interest and fee income
- Regulatory scrutiny of partner bank relationships impacts operational scale and compliance costs
- Expansion of Chime Workplace enterprise services diversifies revenue beyond direct-to-consumer banking
- Macroeconomic shifts in consumer spending and employment rates dictate core deposit growth
| Net Income: -969.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 8.05 > 1.0 |
| NWC/Revenue: 58.58% < 20% (prev 51.79%; Δ 6.79% < -1%) |
| CFO/TA 0.09 > 3% & CFO 166.9m > Net Income -969.4m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 4.50 > 1.5 & < 3 |
| Outstanding Shares: last quarter (400.5m) vs 12m ago 9.89% < -2% |
| Gross Margin: 87.84% > 18% (prev 87.75%; Δ 0.09% > 0.5%) |
| Asset Turnover: 136.7% > 50% (prev 125.4%; Δ 11.40% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.70 (Total Current Assets 1.74b - Total Current Liabilities 387.9m) / Total Assets 1.95b |
| B: -1.70 (Retained Earnings -3.32b / Total Assets 1.95b) |
| C: -0.59 (EBIT TTM -995.2m / Avg Total Assets 1.69b) |
| D: 2.83 (Book Value of Equity 1.44b / Total Liabilities 508.9m) |
| Altman-Z'' = -1.96 = D |
| DSRI: 0.67 (Receivables 294.3m/341.8m, Revenue 2.32b/1.80b) |
| GMI: 1.00 (GM 87.75% / 87.84%) |
| AQI: 0.69 (AQ_t 0.02 / AQ_t-1 0.02) |
| SGI: 1.29 (Revenue 2.32b / 1.80b) |
| TATA: -0.58 (NI -969.4m - CFO 166.9m) / TA 1.95b) |
| Beneish M = -3.34 (Cap -4..+1) = AA |
As of June 19, 2026, the stock is trading at USD 17.60 with a total of 7,833,887 shares traded.
Over the past week, the price has changed by +0.97%,
over one month by -5.41%,
over three months by -15.52% and
over the past year by -51.81%.
Chime Financial, Common has no consensus analysts rating.
P/E Forward = 26.1097
P/S = 2.7481
P/B = 4.417
Revenue TTM = 2.32b USD
EBIT TTM = -995.2m USD
EBITDA TTM = -964.8m USD
Long Term Debt = 120.6m USD (estimated: total debt 132.7m - short term 12.1m)
Short Term Debt = 12.1m USD (from shortTermDebt, last quarter)
Debt = 132.7m USD (from shortLongTermDebtTotal, last quarter) (leases 132.7m already included)
Net Debt = -878.5m USD (calculated: Debt 132.7m - CCE 1.01b)
Enterprise Value = 5.48b USD (6.36b + Debt 132.7m - CCE 1.01b)
Interest Coverage Ratio = unknown (Ebit TTM -995.2m / Interest Expense TTM 0.0)
EV/FCF = 30.82x (Enterprise Value 5.48b / FCF TTM 178.0m)
FCF Yield = 3.24% (FCF TTM 178.0m / Enterprise Value 5.48b)
FCF Margin = 7.69% (FCF TTM 178.0m / Revenue TTM 2.32b)
Net Margin = -41.87% (Net Income TTM -969.4m / Revenue TTM 2.32b)
Gross Margin = 87.84% ((Revenue TTM 2.32b - Cost of Revenue TTM 281.5m) / Revenue TTM)
Gross Margin QoQ = 87.81% (prev 88.91%)
Tobins Q-Ratio = 2.81 (Enterprise Value 5.48b / Total Assets 1.95b)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 132.7m)
Taxrate = 0.84% (455k / 53.9m)
NOPAT = -986.8m (EBIT -995.2m * (1 - 0.84%)) [loss with tax shield]
Current Ratio = 4.10 (Total Current Assets 1.74b / Total Current Liabilities 425.8m)
Debt / Equity = 0.09 (Debt 132.7m / totalStockholderEquity, last quarter 1.44b)
Debt / EBITDA = 0.91 (negative EBITDA) (Net Debt -878.5m / EBITDA -964.8m)
Debt / FCF = -4.94 (Net Debt -878.5m / FCF TTM 178.0m)
Total Stockholder Equity = 1.43b (last 4 quarters mean from totalStockholderEquity)
RoA = -57.25% (Net Income -969.4m / Total Assets 1.95b)
RoE = -67.86% (Net Income TTM -969.4m / Total Stockholder Equity 1.43b)
RoCE = -64.24% (EBIT -995.2m / Capital Employed (Equity 1.43b + L.T.Debt 120.6m))
RoIC = -53.79% (negative operating profit) (NOPAT -986.8m / Invested Capital 1.83b)
WACC = 13.18% (E(6.36b)/V(6.50b) * Re(13.46%) + D(132.7m)/V(6.50b) * Rd(0.0%) * (1-Tc(0.01)))
Discount Rate = 13.46% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 80.28 | Cagr: 4.28%
[DCF] Terminal Value 63.97% ; FCFF base≈112.9m ; Y1≈129.5m ; Y5≈190.5m
[DCF] Fair Price = 6.93 (EV 1.54b - Net Debt -878.5m = Equity 2.42b / Shares 348.9m; r=13.18% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.03 | # QB: 0
Revenue Correlation: 100.00 | Revenue CAGR: 30.79% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=+50% | Analysts=13
EPS next Quarter (2026-09-30): EPS=0.06 | Chg30d=-5.85% | Revisions=+0% | Analysts=13
EPS current Year (2026-12-31): EPS=0.32 | Chg30d=-4.90% | Revisions=+76% | GrowthEPS=+107.5% | GrowthRev=+22.5%
EPS next Year (2027-12-31): EPS=0.78 | Chg30d=+1.33% | Revisions=+75% | GrowthEPS=+142.7% | GrowthRev=+19.2%
[Analyst] Revisions Ratio: +76%