CHYM Chime Financial, Inc. - Class A Common Stock
$16,72
Precio · May 20, 2026
Fundamentales a fecha de May 7, 2026
Rango 52S
$16–$45
2% of range
Calificación del Analista
BUY
26 analysts
Precio Objetivo
$31
+83% upside
P/E (TTM)
-5.9
ROE
-71.4%
Margen de Beneficio Neto
-46.2%
CHYM Instantánea de la Acción Precio, capitalización bursátil, P/E, BPA, ROE, deuda/capital, rango de 52 semanas
Precio
$16.72
Capitalización Bursátil
$0
P/E (TTM)
-5.9
BPA (TTM)
$-4.27
Ingresos (TTM)
$2.19B
Rendimiento div.
—
ROE
-71.4%
Deuda/Capital
—
Rango 52S
$16 – $45
CHYM Gráfico del Precio de la Acción OHLCV diario con indicadores técnicos — desplace, amplíe y personalice su vista
Configure
Rendimiento a 10 años Tendencias de ingresos, beneficio neto, márgenes y BPA
Ingresos y Beneficio Neto
$2.19B
2023-12-31
→
2025-12-31
BPA
$-4.27
2023-12-31
→
2025-12-31
Flujo de caja libre
$33M
2025-12-31
→
2025-12-31
Márgenes
-46.2%
2025-12-31
→
2025-12-31
Valoración Ratios P/E, P/S, P/B, EV/EBITDA: ¿está la acción cara o barata?
Métrica
Tendencia a 5 años
CHYM
Mediana de Pares
P/E (TTM)
-5.9
19.8
P/S (TTM) (P/V (TTM))
0.0
2.1
Price / FCF (Precio / FCF)
0.0
—
Rentabilidad Márgenes brutos, operativos y netos; ROE, ROA, ROIC
Métrica
Tendencia a 5 años
CHYM
Mediana de Pares
Gross Margin (Margen Bruto)
88.0%
51.9%
Operating Margin (Margen Operativo)
-47.6%
—
Net Profit Margin (Margen de Beneficio Neto)
-46.2%
6.4%
ROA
-59.0%
4.9%
ROE
-71.4%
29.4%
ROIC
-74.2%
—
Salud financiera Deuda, liquidez, solvencia — solidez del balance general
Métrica
Tendencia a 5 años
CHYM
Mediana de Pares
Current Ratio (Ratio corriente)
4.5
1.4
Quick Ratio (Ratio Rápido)
1.9
—
Crecimiento Crecimiento de ingresos, BPA y beneficio neto: interanual, CAGR a 3 años, CAGR a 5 años
Métrica
Tendencia a 5 años
CHYM
Mediana de Pares
Revenue YoY (Ingresos interanuales)
30.7%
—
Eficiencia de capital Rotación de activos, rotación de inventario, rotación de cuentas por cobrar
Métrica
Tendencia a 5 años
CHYM
Mediana de Pares
CHYM Consenso de analistas Opiniones de analistas alcistas y bajistas, precio objetivo a 12 meses, potencial alcista
COMPRA
26 analistas
- Compra fuerte 5 19,2%
- Compra 17 65,4%
- Mantener 4 15,4%
- Venta 0 0,0%
- Venta fuerte 0 0,0%
Precio objetivo a 12 meses
18 analistas · 2026-05-20
Mediana
$30.00
← Por Debajo de Todos los Objetivos
$16.72
Mín
$21.00
Máx
$40.00
Objetivo mediano
$30.00
+79,4%
Objetivo medio
$30.61
+83,1%
Historial de Ganancias EPS real vs estimado, sorpresa %, tasa de aciertos, próxima fecha de resultados
Sorpresa Media
0.11%
| Período | EPS Actual | EPS est. | Sorpresa |
|---|---|---|---|
| 31 de marzo de 2026 | $0.13 | $0.03 | 0.10% |
| 31 de diciembre de 2025 | $-0.12 | $-0.16 | 0.04% |
| 30 de septiembre de 2025 | $-0.15 | $-0.25 | 0.10% |
| 30 de junio de 2025 | $-7.29 | $-7.50 | 0.21% |
Comparación con pares Métricas clave frente a competidores del sector
| Ticker | Capitalización Bursátil | P/E | Ingresos interanuales | Margen Neto | ROE | Margen Bruto |
|---|---|---|---|---|---|---|
| CHYM | $0 | -5.9 | 30.7% | -46.2% | -71.4% | 88.0% |
| FIS | $42.27B | 91.0 | 5.4% | 3.6% | 2.6% | 36.9% |
| AFRM | $22.48B | 460.9 | 38.8% | 1.6% | 1.8% | — |
| GPN | $18.32B | 13.4 | -0.39% | 18.2% | 6.2% | — |
| 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% | — |
| SEZL | — | 17.1 | 66.1% | — | — | — |
| NATL | $2.81B | 17.8 | 1.1% | 3.7% | 52.1% | — |
| FOUR | — | — | 25.5% | 2.9% | 10.6% | — |
Fundamentales Completos Todas las métricas por año — estado de resultados, balance general, flujo de caja
Estado de resultados 16
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $2.19B | $1.67B | $1.28B | |
| Cost of Revenue | $263M | $208M | $220M | |
| Gross Profit | $1.92B | $1.47B | $1.06B | |
| R&D Expense | $935M | $310M | $259M | |
| SG&A Expense | $512M | $177M | $155M | |
| Operating Expenses | $2.96B | $1.53B | $1.29B | |
| Operating Income | $-1.04B | $-62M | $-236M | |
| Other Non-op | $31M | $39M | $33M | |
| Pretax Income | $-1.01B | $-23M | $-203M | |
| Income Tax | $831.0K | $3M | $234.0K | |
| Net Income | $-1.01B | $-25M | $-203M | |
| EPS (Basic) | $-4.27 | $-0.39 | $-3.22 | |
| EPS (Diluted) | $-4.27 | $-0.39 | $-3.22 | |
| Shares (Basic) | 236,270,347 | 64,910,056 | 63,104,219 | |
| Shares (Diluted) | 236,270,347 | 64,910,056 | 63,104,219 | |
| EBITDA | $-1.01B | · | · |
Balance general 24
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Cash & Equivalents | $466M | $338M | $240M | |
| Receivables | $258M | $216M | · | |
| Prepaid Expense | $107M | $70M | · | |
| Current Assets | $1.76B | $1.29B | · | |
| PP&E (Net) | · | $93M | · | |
| PP&E (Gross) | · | $138M | · | |
| Accum. Depreciation | · | $46M | · | |
| Goodwill | $27M | $28M | · | |
| Intangibles | $28M | · | · | |
| Other Non-current Assets | $3M | $4M | · | |
| Total Assets | $1.96B | $1.46B | · | |
| Accounts Payable | $39M | $36M | · | |
| Accrued Liabilities | $81M | $100M | · | |
| Current Liabilities | $388M | $375M | · | |
| Capital Leases | $123M | $81M | · | |
| Other Non-current Liabilities | $52M | $46M | · | |
| Total Liabilities | $563M | $502M | · | |
| Common Stock | $0 | $2.0K | · | |
| Paid-in Capital | $4.78B | $433M | · | |
| Retained Earnings | $-3.37B | $-2.36B | · | |
| AOCI | $172.0K | $203.0K | · | |
| Stockholders' Equity | $1.40B | $-1.93B | $-1.95B | |
| Liabilities + Equity | $1.96B | $1.46B | · | |
| Shares Outstanding | 379,933,372 | 66,950,736 | 64,394,985 |
Flujo de Efectivo 13
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| D&A | $30M | $25M | $13M | |
| Stock-based Comp | $1.07B | $30M | $26M | |
| Restructuring | $33M | · | · | |
| Other Non-cash | $-38M | · | · | |
| Operating Cash Flow | $53M | $64M | $-157M | |
| CapEx | $20M | $5M | $11M | |
| Investing Cash Flow | $-290M | $46M | $167M | |
| Stock Repurchased | $78M | $950.0K | $61.0K | |
| Net Stock Activity | $-78M | · | · | |
| Financing Cash Flow | $368M | $456.0K | $842.0K | |
| Net Change in Cash | $131M | $110M | $11M | |
| Taxes Paid | $1M | · | · | |
| Free Cash Flow | $33M | · | · |
Rentabilidad 8
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 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% | · | · |
Liquidez y Solvencia 2
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Current Ratio | 4.5 | · | · | |
| Quick Ratio | 1.9 | · | · |
Eficiencia 2
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Asset Turnover | 1.3 | · | · | |
| Receivables Turnover | 9.2 | · | · |
Tasas de Crecimiento 1
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue YoY | 30.7% | 30.9% | · |
Valoración (TTM) 9
| Métrica | Tendencia | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 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% | · | · |
Estado de resultados 16
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $647M | $596M | $544M | $528M | $519M | $475M | $422M | |
| Cost of Revenue | $67M | $66M | $69M | $67M | $60M | $56M | $54M | |
| Gross Profit | $580M | $530M | $474M | $461M | $458M | $419M | $368M | |
| R&D Expense | $110M | $111M | $124M | $622M | $78M | $79M | $80M | |
| SG&A Expense | $70M | $109M | $77M | $280M | $47M | $50M | $47M | |
| Operating Expenses | $534M | $584M | $539M | $1.39B | $449M | $446M | $399M | |
| Operating Income | $46M | $-54M | $-65M | $-931M | $9M | $-27M | $-31M | |
| Other Non-op | $8M | $9M | $10M | $6M | $5M | $8M | $11M | |
| Pretax Income | $54M | $-45M | $-54M | $-924M | $14M | $-19M | $-20M | |
| Income Tax | $455.0K | $46.0K | $280.0K | $-1M | $2M | $695.0K | $2M | |
| Net Income | $53M | $-45M | $-55M | $-923M | $13M | $-20M | $-22M | |
| EPS (Basic) | $0.14 | $0.83 | $-0.15 | $-7.29 | $0.00 | $-0.30 | $-0.34 | |
| EPS (Diluted) | $0.13 | $0.83 | $-0.15 | $-7.29 | $0.00 | $-0.30 | $-0.34 | |
| Shares (Basic) | 381,636,920 | 47,043,183 | 371,829,972 | 126,620,499 | 65,868,810 | 152,897 | 65,149,191 | |
| Shares (Diluted) | 400,476,567 | 47,043,183 | 371,829,972 | 126,620,499 | 65,868,810 | 152,897 | 65,149,191 | |
| EBITDA | $54M | · | $-65M | $-931M | · | · | · |
Balance general 24
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $608M | $466M | $445M | $868M | · | $338M | · | |
| Receivables | $294M | $258M | $238M | $230M | · | $216M | · | |
| Prepaid Expense | $87M | $107M | $91M | $73M | · | $70M | · | |
| Current Assets | $1.74B | $1.76B | $1.76B | $1.74B | · | $1.29B | · | |
| PP&E (Net) | · | · | $86M | $89M | · | · | · | |
| PP&E (Gross) | · | · | $153M | $148M | · | · | · | |
| Accum. Depreciation | · | · | $66M | $59M | · | · | · | |
| Goodwill | $27M | $28M | $27M | $27M | · | $28M | · | |
| Intangibles | · | $28M | · | · | · | · | · | |
| Other Non-current Assets | $3M | $3M | $4M | $4M | · | $4M | · | |
| Total Assets | $1.95B | $1.96B | $1.96B | $1.90B | · | $1.46B | · | |
| Accounts Payable | $38M | $39M | $40M | $52M | · | $36M | · | |
| Accrued Liabilities | $94M | $81M | $78M | $82M | · | $100M | · | |
| Current Liabilities | $344M | $388M | $356M | $360M | · | $375M | · | |
| Capital Leases | $121M | $123M | $126M | $75M | · | $81M | · | |
| Other Non-current Liabilities | $44M | $52M | $37M | $40M | · | $46M | · | |
| Total Liabilities | $509M | $563M | $519M | $474M | · | $502M | · | |
| Common Stock | · | $0 | $0 | $0 | · | $2.0K | · | |
| Paid-in Capital | $4.76B | $4.78B | $4.77B | $4.70B | · | $433M | · | |
| Retained Earnings | $-3.32B | $-3.37B | $-3.33B | $-3.27B | · | $-2.36B | · | |
| AOCI | $-947.0K | $172.0K | $-79.0K | $-116.0K | · | $203.0K | · | |
| Stockholders' Equity | $1.44B | $1.40B | $1.44B | $1.43B | · | $-1.93B | · | |
| Liabilities + Equity | $1.95B | $1.96B | $1.96B | $1.90B | · | $1.46B | · | |
| Shares Outstanding | 382,604,119 | 0 | 0 | 0 | · | 66,950,736 | · |
Flujo de Efectivo 11
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| D&A | $8M | $8M | $8M | $7M | $7M | $7M | $7M | |
| Stock-based Comp | $61M | $67M | $85M | $910M | $9M | $8M | $10M | |
| Other Non-cash | $-34M | · | · | · | · | · | · | |
| Operating Cash Flow | $87M | $33M | $17M | $28M | $-26M | $18M | $-25M | |
| CapEx | $7M | $14M | $2M | $2M | $2M | $2M | $3M | |
| Investing Cash Flow | $127M | $55M | $-424M | $72M | $7M | $50M | $388.0K | |
| Stock Repurchased | $86M | $78M | $0 | $0 | $0 | $0 | $357.0K | |
| Net Stock Activity | $-86M | · | · | · | · | · | · | |
| Financing Cash Flow | $-73M | $-65M | $-17M | $450M | $-126.0K | $499.0K | $-50.0K | |
| Net Change in Cash | $141M | $22M | $-423M | $551M | $-19M | $69M | $-25M | |
| Free Cash Flow | $81M | · | · | · | · | · | · |
Rentabilidad 8
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 89.6% | · | 87.2% | 87.3% | · | · | · | |
| Operating Margin | 7.1% | · | -11.9% | -176.2% | · | · | · | |
| Net Margin | 8.3% | · | -10.1% | -174.8% | · | · | · | |
| Pretax Margin | 8.3% | · | -10.0% | -175.0% | · | · | · | |
| EBITDA Margin | 8.3% | · | -11.9% | -176.2% | · | · | · | |
| ROA | 5.5% | · | -5.6% | -97.1% | · | · | · | |
| ROE | 7.4% | · | -7.6% | -129.3% | · | · | · | |
| ROIC | 3.2% | · | -4.5% | -65.1% | · | · | · |
Liquidez y Solvencia 2
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 5.1 | · | 4.9 | 4.8 | · | · | · | |
| Quick Ratio | 2.6 | · | 1.9 | 3.1 | · | · | · |
Eficiencia 2
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.7 | · | 0.6 | 0.6 | · | · | · | |
| Receivables Turnover | 4.4 | · | 4.6 | 4.6 | · | · | · |
Valoración (TTM) 10
| Métrica | Tendencia | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $2.24B | · | · | · | · | · | · | |
| Net Income TTM | $-912M | · | $-987M | $-932M | · | · | · | |
| Market Cap | $7.17B | · | $0 | $0 | · | · | · | |
| P/E | -2.6 | · | · | · | · | · | · | |
| P/S | 3.2 | · | · | · | · | · | · | |
| P/B | 5.0 | · | · | · | · | · | · | |
| P / Tangible Book | 5.1 | · | 0.0 | 0.0 | · | · | · | |
| P / Cash Flow | 81.9 | · | · | · | · | · | · | |
| P / FCF | 88.6 | · | · | · | · | · | · | |
| Earnings Yield | -39.0% | · | · | · | · | · | · |
Estados Financieros Estado de resultados, balance general, flujo de caja — anual, últimos 5 años
Estado de resultados
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Ingresos | $2.19B | $1.67B | $1.28B |
| Margen Bruto % | 88.0% | — | — |
| Margen Operativo % | -47.6% | — | — |
| Beneficio neto | $-1.01B | $-25M | $-203M |
| EPS Diluido | $-4.27 | $-0.39 | $-3.22 |
Balance general
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Ratio corriente | 4.5 | — | — |
| Ratio Rápido | 1.9 | — | — |
Flujo de Efectivo
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Flujo de caja libre | $33M | — | — |
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