CHYM Chime Financial, Inc. - Class A Common Stock

NASDAQ · Financial Services · View on SEC EDGAR ↗
$32.77
Price · Aug 19, 2026
Fundamentals as of Aug 6, 2026

CHYM Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$32.77
Market Cap
$0
P/E (TTM)
-5.9
EPS (TTM)
$-4.27
Revenue (TTM)
$2.19B
Div Yield
ROE
-71.4%
Debt/Equity
52W Range
$16 – $33

CHYM Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $2.19B
3-point trend, +71.0%
2023-12-31 2025-12-31
EPS $-4.27
3-point trend, -32.6%
2023-12-31 2025-12-31
Free Cash Flow $33M
2025-12-31 2025-12-31
Margins -46.2%
2025-12-31 2025-12-31

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
CHYM
Peer Median
P/E (TTM)
-5.9
34.8
P/S (TTM)
0.0
3.7
Price / FCF
0.0

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
CHYM
Peer Median
Gross Margin
88.0%
67.2%
Operating Margin
-47.6%
Net Profit Margin
-46.2%
9.3%
ROA
-59.0%
7.8%
ROE
-71.4%
21.1%
ROIC
-74.2%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
CHYM
Peer Median
Current Ratio
4.5
2.1
Quick Ratio
1.9

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
CHYM
Peer Median
Revenue YoY
3-point trend, +71.0%
30.7%

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
CHYM
Peer Median
EPS (Diluted)
3-point trend, -32.6%
$-4.27

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
CHYM
Peer Median

CHYM Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 28 analysts
  • Strong Buy 5 17.9%
  • Buy 19 67.9%
  • Hold 4 14.3%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

20 analysts · 2026-08-19
Median target $34.00 +3.8%
Mean target $34.20 +4.4%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.10%
Period EPS Actual EPS Est Surprise
June 30, 2026 $0.07 $0.00 0.07%
March 31, 2026 $0.13 $0.03 0.10%
Dec. 31, 2025 $-0.12 $-0.16 0.04%
Sept. 30, 2025 $-0.15 $-0.25 0.10%
June 30, 2025 $-7.29 $-7.50 0.21%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
CHYM $0 -5.9 30.7% -46.2% -71.4% 88.0%
CPAY $20.57B 20.0 13.9% 23.6% 30.5%
AFRM $22.48B 460.9 38.8% 1.6% 1.8%
GPN $18.32B 13.4 -0.39% 18.2% 6.2%
FIS $42.27B 91.0 5.4% 3.6% 2.6% 36.9%
TOST $20.92B 63.4 24.1% 5.6% 17.3% 25.9%
JKHY $18.81B 28.9 7.2% 19.2% 22.2%
WEX $5.11B 17.6 1.2% 11.4% 27.5%
RELY $2.91B 44.5 29.4% 4.2% 8.3%
PAY 60.8 37.2% 5.6% 12.4% 24.8%
SEZL 17.1 66.1%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 16
Annual Income Statement data for CHYM
Metric Trend 202520242023
Revenue 3-point trend, +71.0% $2.19B $1.67B $1.28B
Cost of Revenue 3-point trend, +19.7% $263M $208M $220M
Gross Profit 3-point trend, +81.7% $1.92B $1.47B $1.06B
R&D Expense 3-point trend, +261.0% $935M $310M $259M
SG&A Expense 3-point trend, +230.5% $512M $177M $155M
Operating Expenses 3-point trend, +128.9% $2.96B $1.53B $1.29B
Operating Income 3-point trend, -341.1% $-1.04B $-62M $-236M
Other Non-op 3-point trend, -5.9% $31M $39M $33M
Pretax Income 3-point trend, -397.2% $-1.01B $-23M $-203M
Income Tax 3-point trend, +255.1% $831.0K $3M $234.0K
Net Income 3-point trend, -397.0% $-1.01B $-25M $-203M
EPS (Basic) 3-point trend, -32.6% $-4.27 $-0.39 $-3.22
EPS (Diluted) 3-point trend, -32.6% $-4.27 $-0.39 $-3.22
Shares (Basic) 3-point trend, +274.4% 236,270,347 64,910,056 63,104,219
Shares (Diluted) 3-point trend, +274.4% 236,270,347 64,910,056 63,104,219
EBITDA $-1.01B · ·
Balance Sheet 24
Annual Balance Sheet data for CHYM
Metric Trend 202520242023
Cash & Equivalents 3-point trend, +94.5% $466M $338M $240M
Receivables 2-point trend, +19.3% $258M $216M ·
Prepaid Expense 2-point trend, +51.5% $107M $70M ·
Current Assets 2-point trend, +36.4% $1.76B $1.29B ·
PP&E (Net) 2-point trend, +1.7% $94M $93M ·
PP&E (Gross) 2-point trend, +21.7% $168M $138M ·
Accum. Depreciation 2-point trend, +62.2% $74M $46M ·
Goodwill 2-point trend, -0.0% $27M $28M ·
Intangibles $28M · ·
Other Non-current Assets 2-point trend, -25.1% $3M $4M ·
Total Assets 2-point trend, +34.5% $1.96B $1.46B ·
Accounts Payable 2-point trend, +7.9% $39M $36M ·
Accrued Liabilities 2-point trend, -19.0% $81M $100M ·
Current Liabilities 2-point trend, +3.5% $388M $375M ·
Capital Leases 2-point trend, +53.0% $123M $81M ·
Other Non-current Liabilities 2-point trend, +12.1% $52M $46M ·
Total Liabilities 2-point trend, +12.2% $563M $502M ·
Common Stock 2-point trend, -100.0% $0 $2.0K ·
Paid-in Capital 2-point trend, +1002.0% $4.78B $433M ·
Retained Earnings 2-point trend, -42.7% $-3.37B $-2.36B ·
AOCI 2-point trend, -15.3% $172.0K $203.0K ·
Stockholders' Equity 3-point trend, +171.7% $1.40B $-1.93B $-1.95B
Liabilities + Equity 2-point trend, +34.5% $1.96B $1.46B ·
Shares Outstanding 3-point trend, +490.0% 379,933,372 66,950,736 64,394,985
Cash Flow 13
Annual Cash Flow data for CHYM
Metric Trend 202520242023
D&A 3-point trend, +131.9% $30M $25M $13M
Stock-based Comp 3-point trend, +4013.3% $1.07B $30M $26M
Restructuring $33M · ·
Other Non-cash $-38M · ·
Operating Cash Flow 3-point trend, +133.7% $53M $64M $-157M
CapEx 3-point trend, +89.4% $20M $5M $11M
Investing Cash Flow 3-point trend, -273.5% $-290M $46M $167M
Stock Repurchased 3-point trend, +127011.5% $78M $950.0K $61.0K
Net Stock Activity $-78M · ·
Financing Cash Flow 3-point trend, +43566.0% $368M $456.0K $842.0K
Net Change in Cash 3-point trend, +1061.3% $131M $110M $11M
Taxes Paid $1M · ·
Free Cash Flow $33M · ·
Profitability 8
Annual Profitability data for CHYM
Metric Trend 202520242023
Gross Margin 88.0% · ·
Operating Margin -47.6% · ·
Net Margin -46.2% · ·
Pretax Margin -46.2% · ·
EBITDA Margin -46.2% · ·
ROA -59.0% · ·
ROE -71.4% · ·
ROIC -74.2% · ·
Liquidity & Solvency 2
Annual Liquidity & Solvency data for CHYM
Metric Trend 202520242023
Current Ratio 4.5 · ·
Quick Ratio 1.9 · ·
Efficiency 2
Annual Efficiency data for CHYM
Metric Trend 202520242023
Asset Turnover 1.3 · ·
Receivables Turnover 9.2 · ·
Per Share 3
Annual Per Share data for CHYM
Metric Trend 202520242023
Revenue / Share $9.26 · ·
Cash Flow / Share $0.22 · ·
EPS (TTM) $-4.27 · ·
Growth Rates 1
Annual Growth Rates data for CHYM
Metric Trend 202520242023
Revenue YoY 2-point trend, -0.6% 30.7% 30.9% ·
Valuation (TTM) 9
Annual Valuation (TTM) data for CHYM
Metric Trend 202520242023
Revenue TTM $2.19B · ·
Net Income TTM $-1.01B · ·
Market Cap $0 · ·
P/E -5.9 · ·
P/S 0.0 · ·
P / Tangible Book 0.0 · ·
P / Cash Flow 0.0 · ·
P / FCF 0.0 · ·
Earnings Yield -17.0% · ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-31
Revenue $2.19B$1.67B$1.28B
Gross Margin % 88.0%
Operating Margin % -47.6%
Net Income $-1.01B$-25M$-203M
Diluted EPS $-4.27$-0.39$-3.22
Balance Sheet
2025-12-312024-12-312023-12-31
Current Ratio 4.5
Quick Ratio 1.9
Cash Flow
2025-12-312024-12-312023-12-31
Free Cash Flow $33M

Latest News Recent headlines mentioning this company

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Institutional owners (13F) 301 filers · $6.1B total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
113 (+45 vs prior Q) 51 (+15 vs prior Q) 91 (+21 vs prior Q) 49 (-11 vs prior Q) -1.4M

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
Galileo (PTC) Ltd $1,070,463,283 52,268,715 17.65% Shares
CROSSLINK CAPITAL INC $536,276,337 26,185,368 8.84% Shares
MSOP GP, L.L.C. $439,033,086 17,442,713 7.24% Shares
GENERAL ATLANTIC, L.P. $435,398,308 21,259,683 7.18% Shares
Menlo Ventures Management, L.P. $357,226,762 17,442,713 5.89% Shares
Aspect Management, LLC $244,393,472 11,933,275 4.03% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $208,871,199 10,198,789 3.44% Shares
VANGUARD CAPITAL MANAGEMENT LLC $188,725,555 9,215,115 3.11% Shares
FORERUNNER VENTURES MANAGEMENT, LLC $164,477,071 8,031,107 2.71% Shares
Capital Research Global Investors $115,873,260 5,657,874 1.91% Shares
TIGER GLOBAL MANAGEMENT LLC $108,217,240 5,284,045 1.78% Shares
SOFTBANK GROUP CORP. $103,779,041 5,067,336 1.71% Shares
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP $101,850,993 4,973,193 1.68% Shares
Orland Properties Ltd $94,413,824 4,610,050 1.56% Shares
Dragoneer Investment Group, LLC $88,248,300 4,308,999 1.45% Shares
Patient Capital Management, LLC $83,609,379 4,082,489 1.38% Shares
Divisadero Street Capital Management, LP $74,261,504 3,626,050 1.22% Shares
Greenhouse Funds LLLP $70,008,873 3,418,402 1.15% Shares
Spyglass Capital Management LLC $69,759,980 3,406,249 1.15% Shares
NORGES BANK $63,227,392 3,087,275 1.04% Shares
GEODE CAPITAL MANAGEMENT, LLC $61,795,777 2,092,973 1.02% Shares
Ashton Thomas Private Wealth, LLC $54,380,442 2,655,295 0.90% Shares
STATE STREET CORP $51,599,237 2,519,494 0.85% Shares
AMERICAN CENTURY COMPANIES INC $51,373,555 2,508,473 0.85% Shares
MILLENNIUM MANAGEMENT LLC $50,005,115 2,441,656 0.82% Shares
Davis Selected Advisers $47,754,772 2,331,776 0.79% Shares
IEQ CAPITAL, LLC $46,927,831 2,291,398 0.77% Shares
LIGHT STREET CAPITAL MANAGEMENT, LLC $45,037,343 2,199,089 0.74% Shares
ALLIANCEBERNSTEIN L.P. $44,569,683 2,379,588 0.73% Shares
ADAGE CAPITAL PARTNERS GP, L.L.C. $44,202,557 2,158,328 0.73% Shares
BANK OF AMERICA CORP /DE/ $36,763,279 1,795,082 0.61% Shares
FEDERATED HERMES, INC. $36,283,433 1,771,652 0.60% Shares
JANE STREET GROUP, LLC $31,434,752 1,534,900 0.52% Call option
SC US (TTGP), LTD. $29,651,149 1,447,810 0.49% Shares
Walleye Capital LLC $29,059,461 1,418,919 0.48% Shares
Qube Research & Technologies Ltd $27,707,249 1,352,893 0.46% Shares
GOLDMAN SACHS GROUP INC $27,398,881 1,337,836 0.45% Shares
OBERWEIS ASSET MANAGEMENT INC/ $25,975,398 1,268,330 0.43% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $25,364,480 1,238,500 0.42% Call option
Ranger Investment Management, L.P. $24,343,777 1,188,661 0.40% Shares
HS Investments III Ltd $22,290,620 1,088,409 0.37% Shares
BlackRock, Inc. $20,766,966 1,014,012 0.34% Shares
Trexquant Investment LP $19,264,000 940,625 0.32% Shares
RENAISSANCE TECHNOLOGIES LLC $18,915,328 923,600 0.31% Shares
BNP PARIBAS FINANCIAL MARKETS $18,847,437 920,285 0.31% Shares
Alberta Investment Management Corp $17,754,112 866,900 0.29% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $17,626,153 860,652 0.29% Shares
MARSHALL WACE, LLP $14,204,169 693,563 0.23% Shares
BAILLIE GIFFORD & CO $13,900,124 678,717 0.23% Shares
HEALTHCARE OF ONTARIO PENSION PLAN TRUST FUND $13,852,672 676,400 0.23% Shares
INTRINSIC EDGE CAPITAL MANAGEMENT LLC $12,697,600 620,000 0.21% Shares
Voleon Capital Management LP $12,661,228 618,224 0.21% Shares
Nantahala Capital Management, LLC $12,288,000 600,000 0.20% Call option
Granahan Investment Management, LLC $11,947,643 583,381 0.20% Shares
Comprehensive Financial Management LLC $11,591,188 565,976 0.19% Shares
CITADEL ADVISORS LLC $11,491,328 561,100 0.19% Call option
CAPITAL FUND MANAGEMENT S.A. $11,309,486 552,221 0.19% Shares
Caprock Group, LLC $11,154,903 544,673 0.18% Shares
First Trust Capital Management L.P. $10,997,535 536,989 0.18% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $10,760,601 525,420 0.18% Shares
Pictet Asset Management Holding SA $10,527,252 514,026 0.17% Shares
OCCUDO QUANTITATIVE STRATEGIES LP $9,848,812 480,899 0.16% Shares
Red Wave Investments LLC $9,488,548 463,308 0.16% Shares
VANGUARD FIDUCIARY TRUST CO $8,687,657 424,202 0.14% Shares
TWO SIGMA INVESTMENTS, LP $8,432,497 411,743 0.14% Shares
DEUTSCHE BANK AG\ $8,199,086 400,346 0.14% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $7,576,371 369,940 0.12% Shares
Mubadala Investment Co PJSC $7,412,777 361,952 0.12% Shares
SUSQUEHANNA INTERNATIONAL GROUP, LLP $7,340,032 358,400 0.12% Put option
SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC $7,067,730 345,104 0.12% Shares
AlpInvest Partners B.V. $7,050,711 344,273 0.12% Shares
VOLORIDGE INVESTMENT MANAGEMENT, LLC $6,504,448 317,600 0.11% Shares
CITADEL ADVISORS LLC $5,994,496 292,700 0.10% Put option
KIM, LLC $5,919,375 289,032 0.10% Shares
Aquatic Capital Management LLC $5,465,743 266,882 0.09% Shares
Pathstone Holdings, LLC $5,161,206 252,012 0.09% Shares
EVERGREEN CAPITAL MANAGEMENT LLC $5,151,253 251,526 0.08% Shares
PEREGRINE CAPITAL MANAGEMENT LLC $5,092,311 248,648 0.08% Shares
Swiss National Bank $5,031,936 245,700 0.08% Shares
TUDOR INVESTMENT CORP ET AL $4,253,327 207,682 0.07% Shares
JPMORGAN CHASE & CO $4,250,946 193,310 0.07% Shares
Brown University $4,190,720 204,625 0.07% Shares
Manatuck Hill Partners, LLC $4,096,000 200,000 0.07% Shares
D. E. Shaw & Co., Inc. $4,083,446 199,387 0.07% Shares
RHUMBLINE ADVISERS $4,066,416 198,557 0.07% Shares
WHITTIER TRUST CO OF NEVADA INC $4,064,122 192,430 0.07% Shares
FRED ALGER MANAGEMENT, LLC $4,006,707 195,640 0.07% Shares
ANTIPODES PARTNERS Ltd $3,927,183 191,757 0.06% Shares
JANE STREET GROUP, LLC $3,840,000 187,500 0.06% Put option
SUSQUEHANNA INTERNATIONAL GROUP, LLP $3,793,900 185,249 0.06% Shares
Freestone Capital Holdings, LLC $3,679,027 179,640 0.06% Shares
Nantahala Capital Management, LLC $3,524,997 172,119 0.06% Shares
Cubist Systematic Strategies, LLC $3,425,762 169,844 0.06% Shares
OSTERWEIS CAPITAL MANAGEMENT INC $3,376,947 164,890 0.06% Shares
MALTESE CAPITAL MANAGEMENT LLC $3,353,518 163,746 0.06% Shares
Interval Partners, LP $3,334,144 162,800 0.05% Call option
TRUIST FINANCIAL CORP $3,225,600 157,500 0.05% Call option
VANGUARD ASSET MANAGEMENT, Ltd $3,194,634 155,988 0.05% Shares
SEVEN GRAND MANAGERS, LLC $3,072,000 150,000 0.05% Shares
BARCLAYS PLC $3,069,523 149,879 0.05% Shares

Company insiders 11 insiders · 1 officers · 5 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Adam B Frankel General Counsel June 15, 2026 S 303,795 0 8 $-440,243
James J. Dunne III Director June 2, 2026 A 84,950 0 0 $0
Cynthia Marshall Director June 2, 2026 A 48,548 0 0 $0
Shawn T Carolan Director June 2, 2026 A 18,381 0 0 $0
James Feuille Director June 2, 2026 A 23,315 0 3 $-4,957,756
Susan L Decker Director June 2, 2026 A 25,048 0 0 $0
Christopher R Britt Aug. 10, 2026 C 0 0 6 $-16,462,866
Amine Asmerom Aug. 6, 2026 S 216,946 0 2 $-550,000
Matthew S Newcomb Aug. 6, 2026 S 2,216,070 0 2 $-1,961,000
Ryan A King Aug. 6, 2026 C 0 0 3 $-11,350,887
Mark T Troughton Aug. 3, 2026 A 4,200,071 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 37 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
FDFF · Fidelity Covington Trust 2.77% 62,534 NS May 31, 2026 N-PORT
DFNL · Davis Fundamental ETF Trust 2.14% 460,466 NS April 30, 2026 N-PORT
TRFM · ETF Series Solutions 0.19% 13,553 NS April 30, 2026 N-PORT
BKMC · BNY Mellon ETF Trust 0.14% 39,769 NS April 30, 2026 N-PORT
ONEQ · Fidelity Commonwealth Trust 0.02% 90,982 NS May 31, 2026 N-PORT
SCHA · SCHWAB STRATEGIC TRUST 0.01% 161,681 NS May 31, 2026 N-PORT
SCHM · SCHWAB STRATEGIC TRUST 0.01% 93,909 NS May 31, 2026 N-PORT
GUSA · Goldman Sachs ETF Trust II 0.01% 7,740 NS May 31, 2026 N-PORT
SCHB · SCHWAB STRATEGIC TRUST 0.00% 21,000 NS May 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS July 15, 2026 Daily
VB · VANGUARD INDEX FUNDS July 15, 2026 Daily
VBK · VANGUARD INDEX FUNDS July 15, 2026 Daily
VTI · VANGUARD INDEX FUNDS July 15, 2026 Daily
VT · VANGUARD INTERNATIONAL EQUITY INDEX… July 15, 2026 Daily
VONE · VANGUARD SCOTTSDALE FUNDS July 15, 2026 Daily
VONV · VANGUARD SCOTTSDALE FUNDS July 15, 2026 Daily
VONG · VANGUARD SCOTTSDALE FUNDS July 15, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS July 15, 2026 Daily
ITOT · iShares Trust Aug. 5, 2026 Daily
IWS · iShares Trust Aug. 18, 2026 Daily
IWP · iShares Trust Aug. 18, 2026 Daily
IWR · iShares Trust Aug. 6, 2026 Daily
IWV · iShares Trust Aug. 18, 2026 Daily
IWD · iShares Trust Aug. 14, 2026 Daily
IWF · iShares Trust Aug. 14, 2026 Daily
IWB · iShares Trust Aug. 18, 2026 Daily
SMMD · iShares Trust Aug. 18, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust July 13, 2026 Daily
VFH · VANGUARD WORLD FUND July 20, 2026 Daily
ESGV · VANGUARD WORLD FUND July 30, 2026 Daily
IYF · iShares Trust Aug. 18, 2026 Daily
ISCB · iShares Trust Aug. 5, 2026 Daily
ISCG · iShares Trust Aug. 5, 2026 Daily
SMLF · iShares Trust Aug. 10, 2026 Daily
TECB · iShares Trust Aug. 5, 2026 Daily
WSML · iShares Trust Aug. 5, 2026 Daily
EQAL · Invesco Exchange-Traded Fund Trust … Aug. 6, 2026 Daily