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CHYM · Nasdaq · United States · Finance Services
In shortChime Financial, Inc. is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | -47.6% | 0/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | -46.2% | 0/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 1.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 2 of 3 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 0 of 3 | 0/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 2 | 100/100 |
| Revenue growth volatility | 0.1% | 100/100 |
| Operating margin volatility | 22.3% | 0/100 |
Weight in the score: 20%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 3 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | 1,278 | 1,673 | 2,187 |
| Cost of revenue | 220 | 208 | 263 |
| Gross profit | 1,059 | 1,466 | 1,924 |
| Research & development | 259 | 310 | 935 |
| Operating income | (236) | (62) | (1,040) |
| Pre-tax income | (203) | (23) | (1,009) |
| Income tax | 0.2 | 2.6 | 0.8 |
| Net income | (203) | (25) | (1,010) |
| Diluted EPS | −$3.22 | −$0.39 | −$4.27 |
| Diluted shares (millions) | 63 | 65 | 236 |
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Chime Financial, Inc. are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 6, 2026