Chime Financial, Inc. Class A Common Stock

Chime Financial, Inc. Class A Common Stock

CHYM · NASDAQ · Technology / Software - Application

33.55USD+0.52 (+1.57%)

Price History

Full chart

Market Stats

Previous Close33.03
Open33.33
Day Range32.62 – 33.83
52-Week Range15.88 – 35.55
Volume6.11M
Market Cap10.25B
P/E (TTM)4.92
Forward P/E20.58
EPS5.50
Dividend Yield0.00%
50-Day Avg29.09
200-Day Avg23.46

About

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

Company Details

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Christopher R. Britt
  • Employees1.52K
  • Headquarters101 California Street, San Francisco, CA, United States, 94111, USA
  • Websitehttps://www.chime.com

Leadership

  • Mr. Christopher R. BrittCo-Founder, CEO & Chairperson · b. 1973
  • Mr. Mark T. TroughtonPresident & Interim CFO · b. 1969
  • Mr. Ryan A. KingCo-Founder & Director · b. 1978
  • Mr. Adam Bynoe Frankel Esq., J.D.General Counsel & Corporate Secretary · b. 1968
  • Mr. Matthew S. NewcombAdvisor · b. 1985
  • Ms. Janelle SallenaveChief Operating Officer
  • Mr. Jeff CurrierChief Technology Officer
  • Mr. Peter Coleman StablerVice President of Investor Relations
  • Ms. Sarah WagenerChief People Officer
  • Mr. Vineet MehraChief Growth Officer · b. 1980

Financials

Income Statement

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Total Revenue1.01B1.28B1.67B2.19B
Growth (%)-+26.73%+30.88%+30.69%
Cost of Revenue214.69M219.74M207.51M309.03M
Gross Profit794.15M1.06B1.47B1.88B
Gross Margin78.72%82.81%87.60%85.87%
Operating Expense1.27B1.29B1.53B2.92B
Operating Income-478.70M-235.78M-62.20M-1.04B
Operating Margin-47.45%-18.44%-3.72%-47.56%
EBITDA-471.40M-222.85M-36.83M-979.11M
EBITDA Margin-46.73%-17.43%-2.20%-44.77%
Net Income-470.25M-203.20M-25.34M-1.01B
Net Income Margin-46.61%-15.89%-1.51%-46.18%
R&D242.43M259.00M309.57M934.92M
R&D as % of Total Revenue24.03%20.26%18.50%42.75%

Balance Sheet

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Total Assets1.42B1.32B1.46B1.96B
Total Liabilities316.71M383.74M501.52M562.90M
Total Equity1.10B936.51M959.52M1.40B
Cash203.36M239.75M337.70M466.25M
Total Debt100.81M104.89M96.34M134.66M
Net Debt-102.56M-134.85M-241.36M-331.59M

Cash Flow

Currency: USD2022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-434.13M-156.59M64.14M52.78M
Investing Cash Flow150.54M167.01M45.66M-289.69M
Financing Cash Flow1.02M842.00K456.00K367.67M
Capital Expenditure72.91M27.82M14.47M19.89M
Free Cash Flow-507.05M-184.41M49.67M32.89M
FCF to OCF116.80%117.76%77.44%62.32%

Earnings

Report DateMay 28, 2025Aug 7, 2025Nov 5, 2025Feb 25, 2026May 6, 2026Aug 5, 2026Nov 4, 2026
EPS Estimate0.00-4.85-0.25-0.180.03-0.010.08
EPS Actual0.20-7.29-0.15-0.120.130.07-
Surprise--50.31%40.00%33.33%333.33%800.00%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap10.25B
Enterprise Value9.07B
Trailing P/E4.92
Forward P/E20.58
Price / Sales4.17
Price / Book7.12
EPS5.50
Book Value3.71
Revenue (TTM)2.46B
Gross Profit (TTM)2.18B
EBITDA383.88M
Profit Margin-0.74%
Operating Margin18.61%
Return on Equity-1.28%
Return on Assets11.98%
Shares Outstanding347.02M
Shares Float242.03M
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
95.59%
Insiders
7.62%
Retail / Other
0.00%

Top Institutional Holders

  • Galileo (PTC) Ltd
    52.27M13.81%
  • Crosslink Capital Inc
    26.19M6.92%
  • General Atlantic Llc
    21.26M5.62%
  • Menlo Ventures Management, L.P.
    17.44M4.61%
  • Aspect Management, LLC
    11.93M3.15%
  • Vanguard Portfolio Management, LLC
    10.03M2.65%
  • Vanguard Capital Management, LLC
    9.56M2.53%
  • Forerunner Ventures Management, LLC
    8.03M2.12%
  • Capital Research Global Investors
    5.66M1.49%
  • Tiger Technology Management LLC
    5.28M1.40%
  • SoftBank Group Corp
    5.07M1.34%
  • Orland Properties Ltd
    4.61M1.22%
  • Dragoneer Investment Group, LLC
    4.31M1.14%
  • Nuveen, LLC
    3.48M0.92%
  • UBS Group AG
    3.47M0.92%
  • Greenhouse Funds LLLP
    3.42M0.90%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    8.32M2.20%
  • Vanguard Small Cap Index
    6.02M1.59%
  • American Funds Growth Fd of Amer A
    5.49M1.45%
  • Vanguard MStar Small Cap Growth Indx Inv
    3.46M0.91%