Keuangan Chime Financial, Inc. Class A Common Stock (CHYM)
NASDAQ · Technology · Software - Application · Karyawan: 1.519 · CEO: Chris Britt
- Harga
- $27,95 -3,19%
- Kapitalisasi pasar
- $10,6 M
- Nilai perusahaan
- $10,2 M
- Laporan terakhir
- Q2 '26 diajukan 2026-08-06
- Laporan berikutnya
- 2026-11-04
Pendapatan (TTM)$2,36 M+21,6% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)-2,2%+48,2 poin vs tahun laluLaba operasional: -$51 jt
Laba bersih (TTM)-$18,2 jt+98,1% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$319 jt– vs tahun laluCapex: $27,2 jt
EPS dilusian (TTM)-$0,07+97,1% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$933 jt-7,3% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $10,6 M EV $10,2 M
- Pendapatan
- $2,36 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +27% Konsensus FY2026
- Margin laba
- -0,8% Laba bersih / pendapatan, TTM
- P/E
- -492,9× Forward 60,2× (FY2026)
- P/S
- 4,5× Harga / penjualan, TTM
- EV / EBITDA
- -1.710,0× TTM
- Arus kas bebas
- $319 jt 12 bulan terakhir
- Laba bersih
- -$18,2 jt 12 bulan terakhir
- Estimasi pendapatan
- $2,77 M Konsensus FY2026
- Laba
- 2026-11-04
- Dividen
- – Tanpa dividen
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan melambat: 9,2% yoyPendapatan Q2 '26: $577 jt, rata-rata empat kuartal sebelumnya: 29,1%.
- Margin operasional -2,2% (TTM), dibanding tahun lalu: +48,2 poinLaba operasional tumbuh 94,8%, pendapatan tumbuh 21,6%.
- Capex: 1,2% dari pendapatan$27,2 jt diinvestasikan dalam 4 kuartal terakhir (– dibanding tahun sebelumnya). Arus kas bebas: $319 jt.
- $300 jt dikembalikan ke pemegang saham = 93,9% dari arus kas bebasBuyback: $300 jt (tahun lalu –), dividen: $0, kompensasi saham: $291 jt (TTM).
- Jumlah saham dilusian naik dalam setahun: 7,1%Saham dilusian pada Q2 '26: 397 jt, setahun sebelumnya: 371 jt.
- Kas neto: $933 jtKas + investasi jangka pendek: $1,06 M, utang termasuk sewa: $131 jt; tahun lalu kas neto: $1,01 M.
Kuartal terakhir: Q2 '26
Kuartal berakhir 2026-06-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q2 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $577 jt | $528 jt | +9,2% |
| Margin kotor | 85,0% | 87,3% | -2,3 poin |
| Laba operasional | $21,3 jt | -$931 jt | +102,3% |
| Margin operasional | 3,7% | -176,2% | +179,9 poin |
| Laba bersih | $27,9 jt | -$923 jt | +103,0% |
| EPS dilusian | $0,07 | -$2,49 | +102,8% |
| Arus kas operasional | $207 jt | $28,2 jt | +635,7% |
| Capex | $9,11 jt | $5,23 jt | +74,2% |
| Arus kas bebas | $198 jt | $23 jt | +763,4% |
| R&D | $112 jt | $622 jt | -82,0% |
| Kompensasi berbasis saham | $69,4 jt | $0 | – |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q2 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Payments Revenue | – | – | – | – | – | |
| Payments revenue | $430 jt | – | 64,2% | – | – | |
| Platform-related revenue | $240 jt | – | 35,8% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $346 jt
- Capex
- -$27,2 jt
- Buyback
- -$300 jt
- Dividen
- $0
- Akuisisi
- $0
- Utang neto diterbitkan
- $50 jt
- Kompensasi berbasis saham
- $291 jt
- Arus kas bebas
- $319 jt
- Dikembalikan ke pemegang saham / FCF
- 93,9%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | -492,9× | – | – |
| EV / EBITDA | -1.710,0× | – | – |
| EV / Penjualan | 4,3× | 9,0× | 4,2× – 13,3× |
| Harga / FCF | 33,2× | 281,0× 2 dari 4 tahun | 272,3× – 289,8× |
| Harga / Nilai buku | 7,6× | 11,9× | 6,8× – 14,4× |
| Imbal hasil FCF | 3,0% | -1,1% | -3,7% – 0,4% |
| Imbal hasil modal yang diinvestasikan | -2,6% | -33,3% | -65,5% – -5,6% |
| Imbal hasil ekuitas | -1,3% | -34,8% | -72,1% – -2,6% |
Analis
Target konsensus $38,94 (+39,3%)
rentang $28,00 – $50,00 · peringkat Buy
Beli kuat0
Beli17
Tahan1
Jual0
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $2,77 M | +26,7% | $0,46 | +117,9% | 60,2× | 15 |
| FY2027 | $3,37 M | +21,7% | $0,96 | +106,3% | 29,2× | 13 |
| FY2028 | $4,01 M | +18,9% | $1,45 | +51,3% | 19,3× | 13 |
| FY2029 | $5,07 M | +26,5% | $2,16 | +49,1% | 12,9× | 10 |
| FY2030 | $4,86 M | -4,0% | $3,14 | +45,3% | 8,9× | 5 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 237 angka yang ditandai Chime Financial, Inc. Class A Common Stock dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $36,3 jt | $51,8 jt | -30,0% | $38,7 jt | $35,8 jt | +7,9% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $288 jt | $230 jt | +25,3% | $258 jt | $216 jt | +19,3% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $14,8 jt | $20,5 jt | -27,8% | $77,7 jt | $33,5 jt | +131,6% |
| Accrued Bonuses, Current | $23,6 jt | $31,3 jt | -24,5% | $52,9 jt | $53,3 jt | -0,9% |
| Accrued Liabilities, Current | $104 jt | $82 jt | +27,0% | $81,4 jt | $100 jt | -19,0% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $88,2 jt | $59,4 jt | +48,6% | – | – | – |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$548 rb | -$116 rb | -372,4% | $172 rb | $203 rb | -15,3% |
| Additional Paid in Capital | $4,7 M | $4,7 M | -0,1% | $4,78 M | $433 jt | +1.002,0% |
| Advertising Expense | – | – | – | $510 jt | $457 jt | +11,7% |
| Amortization of Debt Discount (Premium) | $33 rb | -$738 rb | +104,5% | -$5,13 jt | -$12,5 jt | +59,1% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 30,9 jt | 67 jt | -53,8% | 55,8 jt | 335 jt | -83,3% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $69,4 jt | $910 jt | -92,4% | $1,07 M | $29,8 jt | +3.496,1% |
| Asset Impairment Charges | $02025-12-31 | $592 rb | -100,0% | $0 | $1,9 jt | -100,0% |
| Assets | $2 M | $1,9 M | +5,0% | $1,96 M | $1,46 M | +34,5% |
| Assets, Current | $1,79 M | $1,74 M | +3,1% | $1,76 M | $1,29 M | +36,4% |
| Capital Expenditures Incurred but Not yet Paid | $0 | $192 rb | -100,0% | $0 | $0 | – |
| Capitalized Computer Software, Amortization | – | – | – | $20,4 jt | $16,5 jt | +23,6% |
| Cash and Cash Equivalents, at Carrying Value | $536 jt | $868 jt | -38,3% | $466 jt | $338 jt | +38,1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $601 jt | $882 jt | -31,8% | $481 jt | $350 jt | +37,4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Including Disposal Group and Discontinued Operations | $481 jt2025-12-31 | $350 jt | +37,4% | $350 jt2024-12-31 | $240 jt | +46,0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$21,1 jt | $551 jt | -103,8% | $131 jt | $110 jt | +18,6% |
| Class of Warrant or Right, Exercise Price of Warrants or Rights | – | – | – | $0,102024-12-31 | – | – |
| Class of Warrant or Right, Outstanding | 02025-12-31 | 788 rb | -100,0% | 0 | 788 rb | -100,0% |
| Common Stock, Par or Stated Value Per Share | $0,002025-12-31 | $0,00 | 0,0% | $0,00 | $0,00 | 0,0% |
| Common Stock, Shares Authorized | 02025-12-31 | 416 jt | -100,0% | 0 | 416 jt | -100,0% |
| Common Stock, Shares, Issued | 02025-12-31 | 67 jt | -100,0% | 0 | 67 jt | -100,0% |
| Common Stock, Shares, Outstanding | 02025-12-31 | 67 jt | -100,0% | 0 | 67 jt | -100,0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $28,2 jt | -$924 jt | +103,1% | -$1,01 M | -$25,9 jt | -3.805,4% |
| Contract with Customer, Liability | $5,11 jt | $4,47 jt | +14,4% | $4,82 jt | $4,06 jt | +18,6% |
| Cost of Goods and Services Sold | $74,9 jt | $67,1 jt | +11,6% | $263 jt | $208 jt | +26,8% |
| Current Federal Tax Expense (Benefit) | – | – | – | $3 rb | $1 jt | -99,7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Current State and Local Tax Expense (Benefit) | – | – | – | $828 rb | $1,61 jt | -48,4% |
| Debt Issuance Costs Incurred During Noncash or Partial Noncash Transaction | $02026-03-31 | $508 rb | -100,0% | – | – | – |
| Debt Securities, Available-for-sale | $527 jt | $225 jt | +134,3% | $588 jt | – | – |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $66 rb | $117 rb | -43,6% | $1,15 jt | $780 rb | +47,1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $467 rb | $17 rb | +2.647,1% | $0 | $10 rb | -100,0% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Available-for-sale, Amortized Cost | $528 jt | $225 jt | +134,6% | $587 jt | – | – |
| Debt Securities, Available-for-sale, Amortized Cost, Current | $528 jt | $225 jt | +134,6% | $587 jt | $368 jt | +59,4% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $119 jt | $14,2 jt | +739,2% | $90 jt | – | – |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $409 jt | $211 jt | +93,8% | $497 jt | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $0 | $0 | – | $02024-12-31 | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $0 | $0 | – | $02024-12-31 | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $335 jt | $128 jt | +162,3% | $20 jt2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $467 rb | $17 rb | +2.647,1% | $10 rb2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Current | $527 jt | $225 jt | +134,3% | $588 jt | $369 jt | +59,4% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $119 jt | $14,2 jt | +737,7% | $90,2 jt | – | – |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $408 jt | $211 jt | +93,7% | $498 jt | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $335 jt | $128 jt | +162,3% | $20 jt2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $467 rb | $17 rb | +2.647,1% | $10 rb2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions | 63 position | 14 position | +350,0% | 0 position | 4 position | -100,0% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Deferred Tax Assets, Gross | $748 jt2025-12-31 | $449 jt | +66,6% | $748 jt | $449 jt | +66,6% |
| Deferred Tax Assets, Net | $02025-12-31 | $0 | – | $0 | $0 | – |
| Deferred Tax Assets, Operating Loss Carryforwards | $288 jt2025-12-31 | $231 jt | +24,7% | $288 jt | $231 jt | +24,7% |
| Deferred Tax Assets, Other | $8,92 jt2025-12-31 | $3,72 jt | +140,0% | $8,92 jt | $3,72 jt | +140,0% |
| Deferred Tax Assets, Property, Plant and Equipment | $203 jt2025-12-31 | $87,9 jt | +130,7% | $203 jt | $87,9 jt | +130,7% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, dan estimasi distandardisasi dari laporan perusahaan. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30
Data per 2026-11-02