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Chime Financial(NASDAQ) CHYM

Market Cap$8.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2025)-38%
5 YearN/A
1 Year-33%
1 Month+9%
$24.31
+5.74%
+1.32Today
After hours$24.21-$0.11 (-0.43%)
Chime Financial last closing stock price
MetricPriceDate
Last closeUSD 22.992026-07-31
Chime Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+11.12%USD 20.692026-07-24
1 month+9.42%USD 21.012026-07-01
3 month+3.37%USD 22.242026-05-01
Year to date-8.66%USD 25.172025-12-31
1 year-33.19%USD 34.412025-07-31
Since inception-38.05%USD 37.112025-06-12

Chime Financial Financials at a Glance

Market Cap

$8.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$2.32B

Net Income (TTM)

-$969.42M

EPS (TTM)

-$2.62

P/E Ratio

-8.77

Dividend

$0.00

Beta (Volatility)

2.53 (High)

Price

$24.31

Volume

5,349,445.413

Open

$23.33

Previous Close

$24.26

Daily Range

$23.25 - $24.39

52-Week Range

$15.88 - $34.54

Estimated Earnings Date

Aug 5, 2026

CHYM News

TMF-Wall-Street-Sign-Green-StockVStock.png

Ally Financial vs. Chime Financial Inc. Class A Common Stock: Which Financial Stock Is a Better Buy in 2026?

Sarah SidlowJun 9, 2026
BuyAlert-Blue.png

Forerunner Ventures Builds $227 Million Position in Chime Financial, According to Recent SEC Filing

Eric TrieMar 19, 2026
BuyAlert-Green.png

Chime Stock Down 15% Since June IPO, but One Fund Just Disclosed an $11 Million Bet on Shares

Jonathan PoncianoMar 6, 2026
Person stuffing money into a piggy bank and smiling

Why Chime Financial Stock Surged Nearly 14% Higher Today

Eric VolkmanFeb 26, 2026
BuyAlert-Green.png

Patient Capital Bet Heavily on Chime Financial (CHYM) With a 2.04 Million Share Purchase

Cory RenauerFeb 14, 2026
BuyAlert-Green.png

Chime Is Down 27% From Its IPO Price, Yet Posting 29% Revenue Growth: Why This New $15 Million Bet Stands Out

Jonathan PoncianoFeb 14, 2026
SellAlert-Red.png

Fund Slashes Chime Stake by Nearly $10 Million as Shares Sit 27% Below IPO Price

Jonathan PoncianoFeb 14, 2026
PiggyBank-BuyAlert-Blue.png

This Ivy League School Purchased Over 100k Shares of Chime

Adé HennisJan 31, 2026
Page 1

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About Chime Financial

Chime offers mobile banking with no monthly fees for everyday Americans. Its checking and savings accounts help users avoid overdraft charges. Chime’s services target people earning under $100,000 per year.

Money Moves: Chime’s Core Offerings

  • Payments (approximately 69% of revenue): Fee-free checking accounts, debit cards, and early paycheck access for daily spending needs.
  • Platform Services (approximately 31% of revenue): Earned wage access, instant transfers, and short-term loans for liquidity support.
  • Credit Building: Secured credit cards and FICO score tracking to help users build credit history.
  • Savings Tools: High-yield savings accounts and automatic savings features for financial planning.
  • Peer Payments: Free peer-to-peer transfers and temporary overdraft boosts for community support.

Chime’s Growth Spurt: How It Got Here

  • Launched MyPay (earned wage access) in July 2024 and outbound instant transfers in Q1 2025.
  • Completed migration to proprietary ChimeCore payment processor in November 2025.
  • Acquired Salt Labs (employee rewards), Charlie (personal finance app), and Pinch (credit-building tool) in 2025.
  • Introduced Chime Workplace for employer partnerships in 2024 and launched MyPay at Work in 2025.
  • Authorized $200 million share repurchase program; repurchased 3.7 million shares in 2025.

What Makes Chime Stand Out

Chime operates without physical branches, using technology to lower costs and speed up product launches. Its revenue comes mainly from card transaction fees, not customer charges. Proprietary systems allow Chime to process payments in-house and adapt quickly to market needs.

Five Things You Need to Know

  • Revenue was $2.19 billion in 2025, up 31% from 2024.
  • Active members reached 9.5 million in Q4 2025, up 19% year-over-year.
  • Gross margin was 88% in 2025, with adjusted EBITDA margin at 6%.
  • Net loss was $1.01 billion in 2025, mainly due to IPO stock compensation.
  • Cash and marketable securities totaled $1.05 billion at year-end 2025.

Bottom Line

Chime has grown by focusing on digital banking for underserved consumers. Its asset-light model and technology investments drive rapid product expansion and high user engagement.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

1,519

CEO

Christopher R. Britt

Website

www.chime.com

Headquarters

San Francisco, CA 94111, US

CHYM Financials

Key Financial Metrics (TTM)

Gross Margin

87.84%

Operating Margin

-43.32%

Net Income Margin

-41.87%

Return on Equity

-67.86%

Return on Capital

-67.69%

Return on Assets

-49.70%

Earnings Yield

-11.40%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$8.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

381.02M

Volume

5.35M

Avg. Volume

5.57M

Financials (TTM)

Gross Profit

$2.03B

Operating Income

-$1.00B

EBITDA

-$964.80M

Operating Cash Flow

$166.85M

Capital Expenditure

-$23.34M

Free Cash Flow

$143.52M

Cash & ST Invst.

$1.01B

Total Debt

$132.74M

Chime Financial Performance Analysis

Chime Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,008,838,000N/A
20232023-12-31USD 1,278,455,00026.7%
20242024-12-31USD 1,597,069,00024.9%
20252025-12-31USD 1,962,299,00022.9%
Chime Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301.8%
Q32025-09-302.9%
Q42025-12-319.7%
Q12026-03-318.6%
Chime Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -1.29N/A
20232023-12-31USD -0.56-56.8%
20242024-12-31USD -0.07-87.5%
20252025-12-31USD -2.663719.3%
Chime Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-1345.0%
Q32025-09-3094.0%
Q42025-12-3120.0%
Q12026-03-31208.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$647.39M

+24.8%

Gross Profit

$568.48M

+24.0%

Gross Margin

87.81%

N/A

Market Cap

$8.76BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$5.77M

N/A

Employees

1,519

N/A

Net Income

$53.46M

+313.1%

EBITDA

$61.58M

+275.6%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$1.01B

+54.5%

Total Debt

$132.74M

+44.8%

Accounts Receivable

$294.34M

-13.9%

Inventory

$0.00

N/A

Long Term Debt

$120.61M

+55.8%

Short Term Debt

$12.12M

-15.1%

Return on Assets

-49.70%

N/A

Return on Invested Capital

-51.74%

N/A

Free Cash Flow

$80.03M

+355.0%

Operating Cash Flow

$87.48M

+428.9%

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Questions About CHYM

What is the current price of Chime Financial?

Chime Financial is trading at $24.26 per share.

What is the 52-week range for Chime Financial?

Over the past 52 weeks, Chime Financial has traded between $15.88 and $34.54.

How much debt does Chime Financial have?

As of the most recent reporting period, Chime Financial reported total debt of $132.74M.

How much cash does Chime Financial have on hand?

Chime Financial reported $622.19M in cash and cash equivalents in its most recent financial results.

What is Chime Financial’s dividend yield?

Chime Financial does not currently have a dividend yield.

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