Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks.
It is a $11.4B financial services company. Revenue grew 26.4% over the last year, and it currently loses money.
- Website
- chime.com
- Location
- San Francisco, CA
- Employees
- 1 519
- Sector
- Financial Services
- Founded
- 2012
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong health; Valuation, Growth, Profitability, Quality and Moat lag behind.
Valuation45
- P/E vs own historyn/a · 10/25
- FCF yield2.7% · 5/25
- P/S4.6x · 20/25
- EV/EBITDAn/a · 10/25
Growth25
- Revenue CAGR29.4% · 25/25
- Net income CAGRn/a · 0/25
- EPS CAGR ~5Yn/a · 0/25
- Fwd implied growthn/a · 0/25
Profitability0
- ROIC-209.4% · 0/25
- ROE-1.3% · 0/25
- Net margin-0.7% · 0/25
- Operating margin-2.1% · 0/25
Health75
- Altman Zn/a · 0/25
- Current ratio4.62 · 25/25
- Interest coverageno interest expense · 25/25
- Net cash / debtNet cash · 25/25
Quality40
- Piotroski F6/9 · 15/25
- Beneish M-2.94 · 25/25
- FCF conversion-1716% · 0/25
- Margin stabilityσ 33.7% · 0/25
Moat30
- ROIC >12% years1/4 yrs · 0/25
- Median gross margin85.2% · 25/25
- FCF-positive years2/4 yrs · 5/25
- Worst-year net marginworst -46.6% · 0/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- 2026ProductChime launched Chime Invest, which integrates commission-free stock investments and exchange-traded…
- 2026AcquisitionChime agreed to acquire Stride Bank, N.A., its banking partner since 2019, for $590 million in cash
- 2025ProductChime retired the Credit Builder card and introduced the Chime Card, a no-annual-fee secured…
- 2025MilestoneIt became publicly traded on the Nasdaq in June 2025
- 2024ProductChime launched MyPay, an earned wage access (EWA) product that allows users to access up to $500 of wages…
- FY2022FinancialRevenue already above $1B$1.01B in first reported year
- 2022IPOAccording to a report by Forbes, Chime had planned to hold an initial public offering (IPO) in March 2022
- 2020ProductChime launched Credit Builder, a credit card designed to help consumers build their credit history
- 2019ProductChime launched SpotMe, a fee-free overdraft service that allows customers to overdraw their…
- Apr 15, 2014ProductThe company launched on April 15, 2014, on the Dr
- 2012FoundedChime was founded in 2012 by Chris Britt and Ryan King and began services in 2014
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (88.7%)
- Revenue growing 26.4% year over year
- Net cash position after subtracting debt from cash
Watch-outs
- Not profitable — 0.7% net margin
- Loss-making in 4 of the recent years
- Short reporting history — trends are less reliable
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago+26.4% YoY
- Profitable — makes more than it spends-$18.2M TTM
- Profit growing — earnings are higher than last year-3884.9% YoY
- Generates cash — cash left after running and investing$312M TTM
- Debt under control — could handle its obligationsmore cash than debt
- Established company — not a micro-cap — lower blow-up risk$11.4B market cap
- Not printing shares — share count not ballooning — you keep your slice+2.0% shares over ~5y
- Proven track record — years of profitability behind it0/4 profitable years
- Financially stable — balance sheet not near distresshealth score 50/100
- Pays a dividend — returns cash to shareholdersno data
- Valuation not extreme — price not wildly above earningsno data
Peer comparisonChime Financial, Inc. vs 6 largest financial services peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| CHYM this company | $11.4B | — | +26.4% | -0.7% | Mixed |
| BRK.A Berkshire Hathaway Inc. | $1.1T | 11.6 | +3.9% | 22.3% | Mixed |
| BRK.B Berkshire Hathaway | $1.1T | 11.6 | +0.0% | 18.0% | Strong |
| JPM JPMorgan Chase & Co. | $886.2B | 13.6 | +13.5% | 32.6% | Strained |
| V VISA Inc. | $723.9B | 31.9 | +14.4% | 50.8% | Solid |
| MA Mastercard Incorporated | $516.4B | 31.7 | +16.0% | 46.3% | Mixed |
| BAC Bank of America Corporation | $380.4B | 11.3 | +15.9% | 27.8% | Mixed |
Head-to-head: CHYM vs BRK.A · CHYM vs BRK.B · CHYM vs JPM
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2022–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/CHYM
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Deeper analysis of CHYM on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $30.08 · market cap $11.4B.