Chime Financial, Inc. Class A Common Stock (CHYM)财务
NASDAQ · Technology · Software - Application · 员工1,519人 · CEO Chris Britt
- 股价
- $27.95 -3.19%
- 市值
- $106亿
- 企业价值
- $102亿
- 最近财报
- Q2 '26 2026-08-06提交
- 下次财报
- 2026-11-04
营收(TTM)$23.6亿+21.6% 对比去年同期最近4个季度;柱状图=各季度
营业利润率(TTM)-2.2%+48.2 百分点 对比去年同期营业利润 -$5100万
净利润(TTM)-$1820万+98.1% 对比去年同期税后,含营业外收益
自由现金流(TTM)$3.19亿– 对比去年同期资本支出 $2720万
稀释EPS(TTM)-$0.07+97.1% 对比去年同期最近4个季度之和
净现金$9.33亿-7.3% 对比去年同期现金 + 短期投资 - 债务
估值与关键数据
- 市值
- $106亿 EV $102亿
- 营收
- $23.6亿 过去12个月
- 营收增速
- +27% FY2026年一致预期
- 净利润率
- -0.8% 净利润 / 营收,TTM
- P/E
- -492.9× 预期 60.2×(FY2026)
- P/S
- 4.5× 股价 / 营收,TTM
- EV / EBITDA
- -1,710.0× TTM
- 自由现金流
- $3.19亿 过去12个月
- 净利润
- -$1820万 过去12个月
- 营收预期
- $27.7亿 FY2026年一致预期
- 盈利
- 2026-11-04
- 股息
- – 无股息
核心要点
根据披露数据计算,每条结论都附有其依据的数字。
- 营收增长放缓:同比9.2%Q2 '26营收$5.77亿,此前四个季度的平均值为29.1%。
- 营业利润率-2.2%(TTM),较去年同期+48.2 百分点营收增长21.6%,营业利润增长94.8%。
- 资本支出占营收的1.2%最近4个季度投入$2720万(同比–)。自由现金流$3.19亿。
- 股东回报$3亿 = 自由现金流的93.9%回购$3亿(去年为–),股息$0,股权激励$2.91亿(TTM)。
- 稀释股数一年内增加7.1%Q2 '26稀释股数3.97亿,一年前为3.71亿。
- 净现金 $9.33亿现金 + 短期投资 $10.6亿,含租赁债务 $1.31亿;一年前净现金 $10.1亿。
上一季度:Q2 '26
截至2026-06-30的季度。与去年同期及财报发布前的分析师一致预期对比。
本季度与去年同期
| Q2 '26 | 去年同期 | 变化 | |
|---|---|---|---|
| 营收 | $5.77亿 | $5.28亿 | +9.2% |
| 毛利率 | 85.0% | 87.3% | -2.3 百分点 |
| 营业利润 | $2130万 | -$9.31亿 | +102.3% |
| 营业利润率 | 3.7% | -176.2% | +179.9 百分点 |
| 净利润 | $2790万 | -$9.23亿 | +103.0% |
| 稀释EPS | $0.07 | -$2.49 | +102.8% |
| 经营现金流 | $2.07亿 | $2820万 | +635.7% |
| 资本支出 | $911万 | $523万 | +74.2% |
| 自由现金流 | $1.98亿 | $2300万 | +763.4% |
| R&D | $1.12亿 | $6.22亿 | -82.0% |
| 股权激励费用 | $6940万 | $0 | – |
营收
收入从何而来,按业务线和地区逐季展示。
营收、营业利润与增速
季度按业务线划分的营收
堆叠,季度| 分部 | Q2 '26 | 同比 | 占比 | TTM | TTM同比 | 12个季度 |
|---|---|---|---|---|---|---|
| Payments Revenue | – | – | – | – | – | |
| Payments revenue | $4.3亿 | – | 64.2% | – | – | |
| Platform-related revenue | $2.4亿 | – | 35.8% | – | – |
利润率与成本结构
每一单位营收在各层级还剩多少,成本又花在哪里。
利润率
季度成本占营收比例
季度现金流与资本配置
创造了多少现金,用在何处,又有多少回到股东手中。
经营现金流、资本支出、自由现金流
季度现金用途与经营现金流
财年最近4个季度
现金流量表- 经营现金流
- $3.46亿
- 资本支出
- -$2720万
- 股票回购
- -$3亿
- 股息
- $0
- 收购
- $0
- 债务净发行
- $5000万
- 股权激励费用
- $2.91亿
- 自由现金流
- $3.19亿
- 股东回报 / FCF
- 93.9%
股数与EPS
季度,稀释资产负债表
各季度末的流动性、投资和债务。
现金、投资与债务
季度末估值与回报
当前估值倍数与公司自身过去五个财年对比;分析师目标价与评级。
估值倍数与回报
TTM与过去5个财年| 当前 | 5年均值 | 当前处于5年区间的位置 | |
|---|---|---|---|
| P/E(TTM) | -492.9× | – | – |
| EV / EBITDA | -1,710.0× | – | – |
| EV / 营收 | 4.3× | 9.0× | 4.2× – 13.3× |
| 股价 / FCF | 33.2× | 281.0× 4年中的2年 | 272.3× – 289.8× |
| 股价 / 净资产 | 7.6× | 11.9× | 6.8× – 14.4× |
| FCF收益率 | 3.0% | -1.1% | -3.7% – 0.4% |
| 投入资本回报率 | -2.6% | -33.3% | -65.5% – -5.6% |
| 净资产收益率 | -1.3% | -34.8% | -72.1% – -2.6% |
分析师
一致目标价 $38.94 (+39.3%)
区间 $28.00 – $50.00 · 评级 Buy
强烈买入0
买入17
持有1
卖出0
强烈卖出0
展望
分析师对未来财年的一致预期,以及按当前股价意味着什么。
一致预期
| 财年 | 营收 | 增速 | EPS | 增速 | 按当前股价的P/E | 分析师(EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $27.7亿 | +26.7% | $0.46 | +117.9% | 60.2× | 15 |
| FY2027 | $33.7亿 | +21.7% | $0.96 | +106.3% | 29.2× | 13 |
| FY2028 | $40.1亿 | +18.9% | $1.45 | +51.3% | 19.3× | 13 |
| FY2029 | $50.7亿 | +26.5% | $2.16 | +49.1% | 12.9× | 10 |
| FY2030 | $48.6亿 | -4.0% | $3.14 | +45.3% | 8.9× | 5 |
财务报表
利润表、资产负债表和现金流量表的每一项,含12个季度和10个财年,以金额、占营收比例或增速展示。
全部披露项目
Chime Financial, Inc. Class A Common Stock在近期10-Q / 10-K文件中标记的全部237项数据,附SEC官方标签和定义,包括附注(租赁、税务、回购、员工等)。
| 项目(SEC标签) | 最近季度 | 去年同期 | 同比 | 最近财年 | 上一财年 | 同比 |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $3630万 | $5180万 | -30.0% | $3870万 | $3580万 | +7.9% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $2.88亿 | $2.3亿 | +25.3% | $2.58亿 | $2.16亿 | +19.3% |
| Accounts Receivable, Credit Loss Expense (Reversal) | $1480万 | $2050万 | -27.8% | $7770万 | $3350万 | +131.6% |
| Accrued Bonuses, Current | $2360万 | $3130万 | -24.5% | $5290万 | $5330万 | -0.9% |
| Accrued Liabilities, Current | $1.04亿 | $8200万 | +27.0% | $8140万 | $1亿 | -19.0% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $8820万 | $5940万 | +48.6% | – | – | – |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$54.8万 | -$11.6万 | -372.4% | $17.2万 | $20.3万 | -15.3% |
| Additional Paid in Capital | $47亿 | $47亿 | -0.1% | $47.8亿 | $4.33亿 | +1,002.0% |
| Advertising Expense | – | – | – | $5.1亿 | $4.57亿 | +11.7% |
| Amortization of Debt Discount (Premium) | $3.3万 | -$73.8万 | +104.5% | -$513万 | -$1250万 | +59.1% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 3090万 | 6700万 | -53.8% | 5580万 | 3.35亿 | -83.3% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $6940万 | $9.1亿 | -92.4% | $10.7亿 | $2980万 | +3,496.1% |
| Asset Impairment Charges | $02025-12-31 | $59.2万 | -100.0% | $0 | $190万 | -100.0% |
| Assets | $20亿 | $19亿 | +5.0% | $19.6亿 | $14.6亿 | +34.5% |
| Assets, Current | $17.9亿 | $17.4亿 | +3.1% | $17.6亿 | $12.9亿 | +36.4% |
| Capital Expenditures Incurred but Not yet Paid | $0 | $19.2万 | -100.0% | $0 | $0 | – |
| Capitalized Computer Software, Amortization | – | – | – | $2040万 | $1650万 | +23.6% |
| Cash and Cash Equivalents, at Carrying Value | $5.36亿 | $8.68亿 | -38.3% | $4.66亿 | $3.38亿 | +38.1% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $6.01亿 | $8.82亿 | -31.8% | $4.81亿 | $3.5亿 | +37.4% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Including Disposal Group and Discontinued Operations | $4.81亿2025-12-31 | $3.5亿 | +37.4% | $3.5亿2024-12-31 | $2.4亿 | +46.0% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$2110万 | $5.51亿 | -103.8% | $1.31亿 | $1.1亿 | +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 | 78.8万 | -100.0% | 0 | 78.8万 | -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 | 4.16亿 | -100.0% | 0 | 4.16亿 | -100.0% |
| Common Stock, Shares, Issued | 02025-12-31 | 6700万 | -100.0% | 0 | 6700万 | -100.0% |
| Common Stock, Shares, Outstanding | 02025-12-31 | 6700万 | -100.0% | 0 | 6700万 | -100.0% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2820万 | -$9.24亿 | +103.1% | -$10.1亿 | -$2590万 | -3,805.4% |
| Contract with Customer, Liability | $511万 | $447万 | +14.4% | $482万 | $406万 | +18.6% |
| Cost of Goods and Services Sold | $7490万 | $6710万 | +11.6% | $2.63亿 | $2.08亿 | +26.8% |
| Current Federal Tax Expense (Benefit) | – | – | – | $3000 | $100万 | -99.7% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $0 | $0 | – |
| Current State and Local Tax Expense (Benefit) | – | – | – | $82.8万 | $161万 | -48.4% |
| Debt Issuance Costs Incurred During Noncash or Partial Noncash Transaction | $02026-03-31 | $50.8万 | -100.0% | – | – | – |
| Debt Securities, Available-for-sale | $5.27亿 | $2.25亿 | +134.3% | $5.88亿 | – | – |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $6.6万 | $11.7万 | -43.6% | $115万 | $78万 | +47.1% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $46.7万 | $1.7万 | +2,647.1% | $0 | $1万 | -100.0% |
| Debt Securities, Available-for-sale, Allowance for Credit Loss | $0 | $0 | – | $0 | $0 | – |
| Debt Securities, Available-for-sale, Amortized Cost | $5.28亿 | $2.25亿 | +134.6% | $5.87亿 | – | – |
| Debt Securities, Available-for-sale, Amortized Cost, Current | $5.28亿 | $2.25亿 | +134.6% | $5.87亿 | $3.68亿 | +59.4% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $1.19亿 | $1420万 | +739.2% | $9000万 | – | – |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $4.09亿 | $2.11亿 | +93.8% | $4.97亿 | – | – |
| 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 | $3.35亿 | $1.28亿 | +162.3% | $2000万2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $46.7万 | $1.7万 | +2,647.1% | $1万2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Current | $5.27亿 | $2.25亿 | +134.3% | $5.88亿 | $3.69亿 | +59.4% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $1.19亿 | $1420万 | +737.7% | $9020万 | – | – |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $4.08亿 | $2.11亿 | +93.7% | $4.98亿 | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $3.35亿 | $1.28亿 | +162.3% | $2000万2024-12-31 | – | – |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $46.7万 | $1.7万 | +2,647.1% | $1万2024-12-31 | – | – |
| 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 | $7.48亿2025-12-31 | $4.49亿 | +66.6% | $7.48亿 | $4.49亿 | +66.6% |
| Deferred Tax Assets, Net | $02025-12-31 | $0 | – | $0 | $0 | – |
| Deferred Tax Assets, Operating Loss Carryforwards | $2.88亿2025-12-31 | $2.31亿 | +24.7% | $2.88亿 | $2.31亿 | +24.7% |
| Deferred Tax Assets, Other | $892万2025-12-31 | $372万 | +140.0% | $892万 | $372万 | +140.0% |
| Deferred Tax Assets, Property, Plant and Equipment | $2.03亿2025-12-31 | $8790万 | +130.7% | $2.03亿 | $8790万 | +130.7% |
来源:SEC companyfacts(每份10-Q / 10-K的XBRL)。现金流量表的季度数据由10-Q标记的年初至今累计数推算。分部拆分带有维度标记,在分部章节中单独展示。
数据来源
报表、分部营收、指标和预期均根据公司文件标准化。分部利润及全部披露项目:SEC EDGAR(XBRL)。 已读取的文件: 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
数据截至 2026-11-02