Chime Financial Inc. Class A Common Stock
CHYM | NASDAQ
$27.96
-$0.91 (-3.15%)
At close: Oct 30, 2026, 3:59 PM ET
$28.01
+$0.05 (+0.18%)
Pre-market:
Nov 2, 2026, 8:12 AM ET
Market Data
Market Cap $10.59B
Enterprise Value $9.65B
Beta 0.32
Average Volume 6.67M
Shares Outstanding (Diluted) 396.94M
Shares Change YoY 7.06%
Institutional Ownership 76.14%
Exchange NASDAQ
ISIN US16935C1099
Price Performance
Price Change 1M 5.0%
Price Change 3M 21.6%
Price Change 6M 25.7%
Price Change YTD 11.1%
Price Change 1Y 62.8%
Price Change 3Y N/A
Price Change 5Y N/A
1M CAGR (ann.) -7.8%
1Y CAGR (ann.) 56.5%
5Y CAGR (ann.) N/A
All-Time CAGR -18.5%
Valuation
PE Ratio -399.43
Forward PE 34.32
PEG Ratio -6.11
Forward PEG 4.48
PS Ratio 4.48
Forward PS 3.10
PB Ratio 7.53
P/FCF Ratio 33.19
P/Adj. FCF Ratio 376.56
P/OCF Ratio 30.73
EV/Sales 4.08
EV/EBIT -264.43
EV/EBITDA -1,622.03
EV/FCF 30.27
Earnings Yield -0.3%
FCF Yield 3.0%
Adj. FCF Yield 0.3%
Financial Health
Net Cash $1.06B
Total Debt $130.88M
Cash & Short-Term Investments $1.06B
Total Assets $2B
Current Ratio 137.30
Quick Ratio 137.30
Debt / Equity Ratio 0.09
Debt / EBITDA -21.99
Debt / FCF 0.41
OCF / Debt 2.64
Interest Coverage 0.00
Altman Z-Score 10.61
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 87.3%
Operating Profit Margin -2.2%
EBITDA Margin -0.3%
Net Profit Margin -0.8%
FCF Margin 13.5%
Adj. FCF Margin 1.2%
SBC / Revenue 12.3%
SBC Impact (per share) -91.2%
Returns
Return on Assets -0.9%
Return on Equity -1.3%
Return on Invested Capital -2.5%
Return on Capital Employed -2.6%
Return on Tangible Assets -0.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 29.4%
Revenue CAGR 5Y N/A
Revenue CAGR 10Y N/A
EPS CAGR 3Y -94.8%
EPS CAGR 5Y N/A
EPS CAGR 10Y N/A
FCF CAGR 3Y 320.1%
FCF CAGR 5Y N/A
FCF CAGR 10Y N/A
Analyst Forecasts
Analyst Rating Buy
Analyst Count 18
EPS Growth Next 3Y 1233.3%
Revenue Growth Next 3Y 28.9%
Earnings Date Nov 4, 2026
EPS Estimate (next Q) $0.10
EPS Growth Est (next Q) -164.5%
Revenue Est (next Q) $702.87M
Revenue Growth Est (next Q) 29.3%
Fair Value Estimates
Graham Number N/A
Graham Upside N/A
Lynch Fair Value N/A
Lynch Upside N/A
Price Target $38.94
Price Target Upside 39.3%
Cash Flow
Operating Cash Flow $346.13M
Free Cash Flow $318.91M
Adj. Free Cash Flow $28.11M
FCF Per Share $0.84
OCF Per Share $0.91
OCF/S Ratio 14.6%
Income Statement
Revenue $2.36B
Gross Profit $2.06B
Operating Income $-50.99M
EBITDA $-5.95M
Net Income $-18.19M
EPS (Diluted) -$0.07
Revenue / Employee $1.56M
Profit / Employee $-11.98K
Employees 1,519
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