Chime Financial, Inc. Class A Common Stock (CHYM) financials
NASDAQ · Technology · Software - Application · 1,519 employees · CEO Chris Britt
- Price
- $27.95 -3.19%
- Market cap
- $10.6B
- Enterprise value
- $10.2B
- Last report
- Q2 '26 filed 2026-08-06
- Next report
- 2026-11-04
Revenue (TTM)$2.36B+21.6% vs a year agoLast 4 quarters; bars = each quarter
Operating margin (TTM)-2.2%+48.2 pp vs a year agoOperating income -$51M
Net income (TTM)-$18.2M+98.1% vs a year agoAfter tax, incl. non-operating gains
Free cash flow (TTM)$319M– vs a year agoCapex $27.2M
Diluted EPS (TTM)-$0.07+97.1% vs a year agoSum of the last 4 quarters
Net cash$933M-7.3% vs a year agoCash + short-term investments - debt
Valuation & key figures
- Market cap
- $10.6B EV $10.2B
- Revenue
- $2.36B Trailing 12 months
- Revenue growth
- +27% FY2026 consensus
- Profit margin
- -0.8% Net income / revenue, TTM
- P/E
- -492.9× Forward 60.2× (FY2026)
- P/S
- 4.5× Price / sales, TTM
- EV / EBITDA
- -1,710.0× TTM
- Free cash flow
- $319M Trailing 12 months
- Net income
- -$18.2M Trailing 12 months
- Revenue estimate
- $2.77B FY2026 consensus
- Earnings
- 2026-11-04
- Dividend
- – No dividend
Key takeaways
Computed from the reported numbers - every statement carries the figure it rests on.
- Revenue growth slowing: 9.2% year on yearQ2 '26 revenue $577M, against an average of 29.1% over the four quarters before.
- Operating margin -2.2% (TTM), +48.2 pp on a year agoOperating income grew 94.8% while revenue grew 21.6%.
- Capex 1.2% of revenue$27.2M invested in the last 4 quarters (– on a year earlier). Free cash flow $319M.
- Returned $300M to shareholders = 93.9% of free cash flowBuybacks $300M (a year earlier –), dividends $0, stock-based pay $291M (TTM).
- Diluted share count up 7.1% in a year397M diluted shares in Q2 '26, 371M a year earlier.
- Net cash $933MCash + short-term investments $1.06B, debt incl. leases $131M; a year ago net cash $1.01B.
Last quarter: Q2 '26
Quarter ended 2026-06-30. Compared with the same quarter a year earlier and with the analyst consensus before the report.
Quarter vs a year ago
| Q2 '26 | Year ago | Change | |
|---|---|---|---|
| Revenue | $577M | $528M | +9.2% |
| Gross margin | 85.0% | 87.3% | -2.3 pp |
| Operating income | $21.3M | -$931M | +102.3% |
| Operating margin | 3.7% | -176.2% | +179.9 pp |
| Net income | $27.9M | -$923M | +103.0% |
| Diluted EPS | $0.07 | -$2.49 | +102.8% |
| Operating cash flow | $207M | $28.2M | +635.7% |
| Capex | $9.11M | $5.23M | +74.2% |
| Free cash flow | $198M | $23M | +763.4% |
| R&D | $112M | $622M | -82.0% |
| Stock-based compensation | $69.4M | $0 | – |
Revenue
Where the money comes from - by business line and by region, quarter by quarter.
Revenue, operating income and growth
quarterlyRevenue by business line
stacked, quarterly| Segment | Q2 '26 | y/y | Share | TTM | TTM y/y | 12 quarters |
|---|---|---|---|---|---|---|
| Payments Revenue | – | – | – | – | – | |
| Payments revenue | $430M | – | 64.2% | – | – | |
| Platform-related revenue | $240M | – | 35.8% | – | – |
Margins & cost structure
How much of each unit of revenue is left at each level - and where the costs go.
Margins
quarterlyCosts as % of revenue
quarterlyCash flow & capital allocation
Cash generated, what it is spent on, and what reaches shareholders.
Operating cash flow, capex, free cash flow
quarterlyUses of cash vs operating cash flow
fiscal yearsLast 4 quarters
cash flow statement- Operating cash flow
- $346M
- Capex
- -$27.2M
- Buybacks
- -$300M
- Dividends
- $0
- Acquisitions
- $0
- Net debt issued
- $50M
- Stock-based compensation
- $291M
- Free cash flow
- $319M
- Returned to shareholders / FCF
- 93.9%
Share count and EPS
quarterly, dilutedBalance sheet
Liquidity, investments and debt at each quarter end.
Cash, investments and debt
quarter endsValuation & returns
Today's multiples against the company's own last five fiscal years; analyst targets and ratings.
Multiples and returns
TTM vs 5 fiscal years| Now | 5y average | Where today sits in the 5-year range | |
|---|---|---|---|
| P/E (TTM) | -492.9× | – | – |
| EV / EBITDA | -1,710.0× | – | – |
| EV / Sales | 4.3× | 9.0× | 4.2× – 13.3× |
| Price / FCF | 33.2× | 281.0× 2 of 4 years | 272.3× – 289.8× |
| Price / Book | 7.6× | 11.9× | 6.8× – 14.4× |
| FCF yield | 3.0% | -1.1% | -3.7% – 0.4% |
| Return on invested capital | -2.6% | -33.3% | -65.5% – -5.6% |
| Return on equity | -1.3% | -34.8% | -72.1% – -2.6% |
Analysts
Consensus target $38.94 (+39.3%)
range $28.00 – $50.00 · rating Buy
Strong buy0
Buy17
Hold1
Sell0
Strong sell0
Outlook
Analyst consensus for the coming fiscal years and what it implies at today's price.
Consensus estimates
| Fiscal year | Revenue | Growth | EPS | Growth | P/E at today's price | Analysts (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $2.77B | +26.7% | $0.46 | +117.9% | 60.2× | 15 |
| FY2027 | $3.37B | +21.7% | $0.96 | +106.3% | 29.2× | 13 |
| FY2028 | $4.01B | +18.9% | $1.45 | +51.3% | 19.3× | 13 |
| FY2029 | $5.07B | +26.5% | $2.16 | +49.1% | 12.9× | 10 |
| FY2030 | $4.86B | -4.0% | $3.14 | +45.3% | 8.9× | 5 |
Financial statements
Every line of the income statement, balance sheet and cash flow statement - 12 quarters and 10 fiscal years, as values, as % of revenue or as growth.
Every reported line
All 237 figures Chime Financial, Inc. Class A Common Stock tagged in its recent 10-Q / 10-K filings, with the official SEC label and definition - including the notes (leases, taxes, buybacks, employees, ...).
| Line (SEC label) | Latest quarter | Year ago | y/y | Latest FY | Prior FY | y/y |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $36.3M | $51.8M | -30.0% | $38.7M | $35.8M | +7.9% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $288M | $230M | +25.3% | $258M | $216M | +19.3% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $14.8M | $20.5M | -27.8% | $77.7M | $33.5M | +131.6% |
| Accrued Bonuses, Current | $23.6M | $31.3M | -24.5% | $52.9M | $53.3M | -0.9% |
| Accrued Liabilities, Current | $104M | $82M | +27.0% | $81.4M | $100M | -19.0% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $88.2M | $59.4M | +48.6% | – | – | – |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$548K | -$116K | -372.4% | $172K | $203K | -15.3% |
| Additional Paid in Capital | $4.7B | $4.7B | -0.1% | $4.78B | $433M | +1,002.0% |
| Advertising Expense | – | – | – | $510M | $457M | +11.7% |
| Amortization of Debt Discount (Premium) | $33K | -$738K | +104.5% | -$5.13M | -$12.5M | +59.1% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 30.9M | 67M | -53.8% | 55.8M | 335M | -83.3% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $69.4M | $910M | -92.4% | $1.07B | $29.8M | +3,496.1% |
| Asset Impairment Charges | $02025-12-31 | $592K | -100.0% | $0 | $1.9M | -100.0% |
| Assets | $2B | $1.9B | +5.0% | $1.96B | $1.46B | +34.5% |
| Assets, Current | $1.79B | $1.74B | +3.1% | $1.76B | $1.29B | +36.4% |
| Capital Expenditures Incurred but Not yet Paid | $0 | $192K | -100.0% | $0 | $0 | – |
| Capitalized Computer Software, Amortization | – | – | – | $20.4M | $16.5M | +23.6% |
| Cash and Cash Equivalents, at Carrying Value | $536M | $868M | -38.3% | $466M | $338M | +38.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $601M | $882M | -31.8% | $481M | $350M | +37.4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Including Disposal Group and Discontinued Operations | $481M2025-12-31 | $350M | +37.4% | $350M2024-12-31 | $240M | +46.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$21.1M | $551M | -103.8% | $131M | $110M | +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 | 788K | -100.0% | 0 | 788K | -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 | 416M | -100.0% | 0 | 416M | -100.0% |
| Common Stock, Shares, Issued | 02025-12-31 | 67M | -100.0% | 0 | 67M | -100.0% |
| Common Stock, Shares, Outstanding | 02025-12-31 | 67M | -100.0% | 0 | 67M | -100.0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $28.2M | -$924M | +103.1% | -$1.01B | -$25.9M | -3,805.4% |
| Contract with Customer, Liability | $5.11M | $4.47M | +14.4% | $4.82M | $4.06M | +18.6% |
| Cost of Goods and Services Sold | $74.9M | $67.1M | +11.6% | $263M | $208M | +26.8% |
| Current Federal Tax Expense (Benefit) | – | – | – | $3K | $1M | -99.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Current State and Local Tax Expense (Benefit) | – | – | – | $828K | $1.61M | -48.4% |
| Debt Issuance Costs Incurred During Noncash or Partial Noncash Transaction | $02026-03-31 | $508K | -100.0% | – | – | – |
| Debt Securities, Available-for-sale | $527M | $225M | +134.3% | $588M | – | – |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $66K | $117K | -43.6% | $1.15M | $780K | +47.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $467K | $17K | +2,647.1% | $0 | $10K | -100.0% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Available-for-sale, Amortized Cost | $528M | $225M | +134.6% | $587M | – | – |
| Debt Securities, Available-for-sale, Amortized Cost, Current | $528M | $225M | +134.6% | $587M | $368M | +59.4% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $119M | $14.2M | +739.2% | $90M | – | – |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $409M | $211M | +93.8% | $497M | – | – |
| 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 | $335M | $128M | +162.3% | $20M2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $467K | $17K | +2,647.1% | $10K2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Current | $527M | $225M | +134.3% | $588M | $369M | +59.4% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $119M | $14.2M | +737.7% | $90.2M | – | – |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $408M | $211M | +93.7% | $498M | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $335M | $128M | +162.3% | $20M2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $467K | $17K | +2,647.1% | $10K2024-12-31 | – | – |
| 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 | $748M2025-12-31 | $449M | +66.6% | $748M | $449M | +66.6% |
| Deferred Tax Assets, Net | $02025-12-31 | $0 | – | $0 | $0 | – |
| Deferred Tax Assets, Operating Loss Carryforwards | $288M2025-12-31 | $231M | +24.7% | $288M | $231M | +24.7% |
| Deferred Tax Assets, Other | $8.92M2025-12-31 | $3.72M | +140.0% | $8.92M | $3.72M | +140.0% |
| Deferred Tax Assets, Property, Plant and Equipment | $203M2025-12-31 | $87.9M | +130.7% | $203M | $87.9M | +130.7% |
Source: SEC companyfacts (XBRL of every 10-Q / 10-K). Cash-flow quarters are derived from the year-to-date figures the 10-Q tags. Segment breakdowns are tagged with dimensions and are shown in the segment section instead.
Sources
Statements, segment revenue, metrics and estimates are standardised from the company's filings. Segment profits and every reported line: SEC EDGAR (XBRL). Filings read: 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 as of 2026-11-02