Chime Financial/$CHYM
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About Chime Financial
Chime Financial Inc is a financial technology company that believes in core banking services.
Ticker
$CHYM
Sector
Primary listing
Employees
1,228
Headquarters
Website
Chime Financial Metrics
BasicAdvanced
$7.6B
-
-$6.22
-
-
Price and volume
Market cap
$7.6B
52-week high
$44.94
52-week low
$16.17
Average daily volume
3.8M
Financial strength
Current ratio
4.942
Quick ratio
4.005
Long term debt to equity
8.719
Total debt to equity
8.719
Profitability
EBITDA (TTM)
-602.617
Gross margin (TTM)
87.75%
Net profit margin (TTM)
-47.67%
Operating margin (TTM)
-29.79%
Effective tax rate (TTM)
-0.15%
Revenue per employee (TTM)
$1,680,000
Management effectiveness
Valuation
Price to revenue (TTM)
1.548
Price to book
5.24
Price to tangible book (TTM)
5.24
Price to free cash flow (TTM)
153.211
Free cash flow yield (TTM)
0.65%
Free cash flow per share (TTM)
0.132
Growth
Bulls say / Bears say
Chime lifted its full-year 2025 revenue outlook to $2.163 billion–$2.173 billion after Q3 revenue increased 29% year-over-year to $544 million. Active members grew 21% to 9.1 million, and the company announced a $200 million share buyback, signaling continued strong demand and effective execution. (Reuters)
For its first quarterly results since going public, Chime surpassed Q2 revenue forecasts, posting a 37% year-over-year revenue rise to $528 million versus the $495.2 million consensus. Average revenue per member climbed 12%, and platform revenue soared 113%, reflecting robust overall growth. (Reuters)
Chime shares surged 59% from their $27 IPO price to an opening of $43, closing at $37.11 and giving the company a valuation near $15 billion. The strong debut underscores high investor confidence and supports its business case. (FT)
Despite strong growth, Chime still hasn't reported a full-year profit. The shares trade at about seven times projected 2024 revenue, while peers trade closer to two times, raising questions about its valuation. (FT)
Competition is fierce as traditional banks expand digital services and other fintech companies target the same sub-$100,000 income group, potentially making it harder for Chime to win and retain customers. (Reuters)
Chime’s revenue depends heavily on interchange fees collected through partner banks, benefiting from a Durbin Amendment loophole. If those partner banks grow past $10 billion in assets or if regulations tighten, this key revenue source could come under threat. (FT)
Data summarised monthly by Lightyear AI. Last updated on 9 Nov 2025.
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FAQs
What’s the current market cap for Chime Financial stock?
Chime Financial (CHYM) has a market cap of $7.6B as of November 13, 2025.
What is the P/E ratio for Chime Financial stock?
The price to earnings (P/E) ratio for Chime Financial (CHYM) stock is 0 as of November 13, 2025.
Does Chime Financial stock pay dividends?
No, Chime Financial (CHYM) stock does not pay dividends to its shareholders as of November 13, 2025.
When is the next Chime Financial dividend payment date?
Chime Financial (CHYM) stock does not pay dividends to its shareholders.
What is the beta indicator for Chime Financial?
Chime Financial (CHYM) does not currently have a Beta indicator.