Chime Financial Inc - Class A CHYM Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$31.33 up $1.15, 3.81% at close Nov 6
Last close · Previous close $30.18
- Market cap
- $11.86BAt the Nov 6 close
- P/E ratio
- 27.48On last 12 months’ EPS
- Diluted EPS
- $1.14Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$31.33up $1.15, 3.81%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$30.18Nov 5
- Volume8.53MNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume3.92MLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $15.88 to $35.55; now $31.33
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
CHYM beat the S&P 500 in all 4 periods.
| Period | CHYM and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | CHYM: up 13.3% S&P 500: down 5.6% | CHYM beat the S&P 500 by 18.9 percentage points Beat |
| 3M | CHYM: up 0.3% S&P 500: down 4.1% | CHYM beat the S&P 500 by 4.4 percentage points Beat |
| YTD | CHYM: up 24.5% S&P 500: up 8.7% | CHYM beat the S&P 500 by 15.8 percentage points Beat |
| 1Y | CHYM: up 73.2% S&P 500: up 10.9% | CHYM beat the S&P 500 by 62.3 percentage points Beat |
$10,000 invested in CHYM a year ago (Nov 6, 2025) would be worth about $17,319 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $11,088.
CHYM beat the S&P 500 in all 4 periods.
| Period | CHYM and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | CHYM: up 13.3% S&P 500: down 5.6% | CHYM beat the S&P 500 by 18.9 percentage points Beat |
| 3M | CHYM: up 0.3% S&P 500: down 4.3% | CHYM beat the S&P 500 by 4.6 percentage points Beat |
| YTD | CHYM: up 24.5% S&P 500: up 7.8% | CHYM beat the S&P 500 by 16.7 percentage points Beat |
| 1Y | CHYM: up 73.2% S&P 500: up 9.7% | CHYM beat the S&P 500 by 63.5 percentage points Beat |
$10,000 invested in CHYM a year ago (Nov 6, 2025) would be worth about $17,319 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $10,969.
All-time high
$37.11
Closing high on . Now 15.6% below that record.
Split-adjusted daily closes since Jun 12, 2025.
Stock splits
CHYM hasn’t split since its price history begins in 2025.
Valuation
The Nov 6 close compared with the last 12 months of reported results (the four quarters to Sep 30, 2026). Tap a metric to see how it’s calculated.
Price-to-earnings (P/E)
27.5×The Nov 6 close ÷ diluted EPS over the last 12 months ($1.14)
Other valuation measures
- 4.5×Last 12 months’ revenue
Market value divided by revenue over the last 12 months. Useful when earnings are small or negative.
P/S = Market cap ÷ Revenue (last 12 months)Price-to-sales ratio - 7.7×Book value as of Sep 30, 2026
Price relative to accounting equity (book value) per share on the Sep 30, 2026 balance sheet. Asset-light companies often trade far above book value.
P/B = Price ÷ Book value per sharePrice-to-book ratio - 88.2×Last 12 months’ EBITDA
Enterprise value divided by EBITDA over the last 12 months. It compares companies with different amounts of debt.
EV/EBITDA = Enterprise value ÷ EBITDA (last 12 months)EV/EBITDA explained - 3.51%Last 12 months’ free cash flow
Free cash flow over the last 12 months as a share of the company’s market value: the cash the business generated for each dollar of stock.
FCF yield = Free cash flow (last 12 months) ÷ Market capFree cash flow - $10.68BAt the Nov 6 close
What it would cost to buy the whole business: the market cap at the Nov 6 close, plus debt, minus cash and short-term investments from the Sep 30, 2026 balance sheet.
EV = Market cap + Debt − Cash and short-term investmentsEV/EBITDA explained
Build your own CHYM DCF in Excel. Value Chime Financial with your own growth and margin assumptions.Browse DCF models Free DCF calculator
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q3 FY26, the quarter ended Sep 30, 2026. “Last 12 months” means the four quarters from Oct 1, 2025 to Sep 30, 2026, and balance-sheet figures are as of Sep 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $2.63Bup 27.4%
- Net income
- $80.25M
- Diluted EPS
- $1.14
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q4 FY24 (Dec 31, 2024) | $475.21M | −$19.61M | −$0.30 |
| Q1 FY25 (Mar 31, 2025) | $518.74M | $12.94M | $0.00 |
| Q2 FY25 (Jun 30, 2025) | $528.15M | −$923.38M | −$7.29 |
| Q3 FY25 (Sep 30, 2025) | $543.52M | −$54.72M | −$0.15 |
| Q4 FY25 (Dec 31, 2025) | $596.36M | −$44.78M | $0.83 |
| Q1 FY26 (Mar 31, 2026) | $647.39M | $53.46M | $0.13 |
| Q2 FY26 (Jun 30, 2026) | $669.77M | $27.85M | $0.07 |
| Q3 FY26 (Sep 30, 2026) | $718.00M | $43.72M | $0.11 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY22 (Dec 31, 2022) | $1.01B | −$470.25M | −$8.12 |
| FY23 (Dec 31, 2023) | $1.28B | −$203.20M | −$3.22 |
| FY24 (Dec 31, 2024) | $1.67B | −$25.34M | −$0.39 |
| FY25 (Dec 31, 2025) | $2.19B | −$1.01B | −$4.27 |
Margins
- Gross 89.4%
- Operating 1.8%
- Net 3.0%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $416.12MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$453.58MLast 12 months
- Capital spending$37.46MLast 12 months
- 15.8%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $247.39MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$247.39MLast 12 months
59% of free cash flow
Balance sheet
- $1.39BAs of Sep 30, 2026
Cash plus short- and long-term marketable securities on the Sep 30, 2026 balance sheet.
- Total debt$215.12MAs of Sep 30, 2026
- Net cash$1.18BAs of Sep 30, 2026
- 4.80As of Sep 30, 2026
Current assets divided by current liabilities on the Sep 30, 2026 balance sheet. Above 1 means short-term assets cover the bills due within a year.
Current ratio = Current assets ÷ Current liabilitiesCurrent ratio - 0.14As of Sep 30, 2026
Total debt divided by shareholders’ equity on the Sep 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 5.5%Last 12 months
Over the last 12 months, Chime Financial’s net income was 5.5% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 4.0%Last 12 months
Over the last 12 months, Chime Financial’s net income was 4.0% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
About Chime Financial Inc - Class A
Chime Financial Inc - Class A
- Sector
- Technology
- Industry
- Software - Application
- Headquarters
- California, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
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CHYM stock FAQ
What is CHYM stock’s price today?
Chime Financial (CHYM) traded at $31.33 at the close on , up $1.15 (3.81%) from the previous close of $30.18. Over the past 52 weeks it has traded between $15.88 and $35.55.
What is Chime Financial’s market cap?
Chime Financial’s market capitalization is about $11.9 billion. That’s Tiingo’s daily market cap for , at that day’s closing price of $31.33 (how market cap works). Chime Financial reported 378.59M shares outstanding at the end of its latest quarter ().
What is CHYM’s P/E ratio?
CHYM trades at 27.5 times its diluted earnings over the four quarters to ($1.14 per share), at the close. (How the P/E ratio works.)
How much revenue does Chime Financial make?
Chime Financial reported $2.6 billion of revenue over the four quarters to , up 27.4% from the twelve months before. In its latest quarter (Q3 FY26, ended ) revenue was $718.0 million, up 32.1% from a year earlier.
Is Chime Financial profitable?
Yes. Chime Financial earned $80.3 million of net income over the four quarters to , a net margin of 3.0%, and its operating margin was 1.8% (what margins tell you).
What are CHYM’s earnings per share?
CHYM’s diluted earnings per share were $1.14 over the four quarters to , compared with −$7.74 in the twelve months before. The latest quarter (Q3 FY26) brought $0.11 per share, against −$0.15 a year earlier (how EPS works).
Does CHYM pay a dividend?
Chime Financial hasn’t paid a dividend in the last twelve months.
What is CHYM’s 52-week high and low?
Over the past 52 weeks CHYM has traded as low as $15.88 and as high as $35.55. At $31.33 at the close on , it is 11.9% below that high and 97.3% above the low.
What is CHYM’s all-time high?
CHYM’s highest closing price was $37.11 on , adjusted for stock splits. At $31.33 at the close on , it is 15.6% below that record.
Has CHYM stock ever split?
No. CHYM hasn’t split since its price history begins in 2025.
How has CHYM stock performed?
Including dividends and measured to the close on , CHYM has returned +24.5% so far this year and +73.2% over the past year. Over the same periods the S&P 500, measured by SPY, returned +8.7% and +10.9%. Past performance doesn’t predict future returns.
What sector and industry is Chime Financial in?
Chime Financial is in the Technology sector and the Software - Application industry, and is headquartered in California, USA.
What exchange does CHYM trade on?
Chime Financial trades on the Nasdaq under the ticker symbol CHYM. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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