Chime Financial Statistics
Total Valuation
Chime Financial has a market cap or net worth of $11.34 billion. The enterprise value is $10.36 billion.
| Market Cap | 11.34B |
| Enterprise Value | 10.36B |
Important Dates
The next confirmed earnings date is Wednesday, November 4, 2026, after market close.
| Earnings Date | Nov 4, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
Chime Financial has 378.59 million shares outstanding. The number of shares has increased by 368.14% in one year.
| Current Share Class | 347.02M |
| Shares Outstanding | 378.59M |
| Shares Change (YoY) | +368.14% |
| Shares Change (QoQ) | -1.76% |
| Owned by Insiders (%) | 9.87% |
| Owned by Institutions (%) | 52.49% |
| Float | 242.03M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 44.86 |
| PS Ratio | 4.62 |
| Forward PS | 3.70 |
| PB Ratio | 8.08 |
| P/TBV Ratio | 8.24 |
| P/FCF Ratio | 36.33 |
| P/OCF Ratio | 32.88 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 26.99, with an EV/FCF ratio of 33.19.
| EV / Earnings | n/a |
| EV / Sales | 4.22 |
| EV / EBITDA | 26.99 |
| EV / EBIT | 27.73 |
| EV / FCF | 33.19 |
Financial Position
The company has a current ratio of 4.62, with a Debt / Equity ratio of 0.13.
| Current Ratio | 4.62 |
| Quick Ratio | 3.74 |
| Debt / Equity | 0.13 |
| Debt / EBITDA | 0.44 |
| Debt / FCF | 0.58 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -1.28% and return on invested capital (ROIC) is 15.06%.
| Return on Equity (ROE) | -1.28% |
| Return on Assets (ROA) | 11.98% |
| Return on Invested Capital (ROIC) | 15.06% |
| Return on Capital Employed (ROCE) | 23.22% |
| Weighted Average Cost of Capital (WACC) | n/a |
| Revenue Per Employee | $1.62M |
| Profits Per Employee | -$11,977 |
| Employee Count | 1,519 |
| Asset Turnover | 1.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Chime Financial has paid $994,000 in taxes.
| Income Tax | 994,000 |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +47.15% in the last 52 weeks.
| Beta (5Y) | n/a |
| 52-Week Price Change | +47.15% |
| 50-Day Moving Average | 30.77 |
| 200-Day Moving Average | 23.64 |
| Relative Strength Index (RSI) | 53.89 |
| Average Volume (20 Days) | 5,838,444 |
Short Selling Information
The latest short interest is 25.93 million, so 6.85% of the outstanding shares have been sold short.
| Short Interest | 25.93M |
| Short Previous Month | 21.25M |
| Short % of Shares Out | 6.85% |
| Short % of Float | 10.71% |
| Short Ratio (days to cover) | 3.34 |
Income Statement
In the last 12 months, Chime Financial had revenue of $2.46 billion and -$18.19 million in losses. Loss per share was -$0.05.
| Revenue | 2.46B |
| Gross Profit | 2.18B |
| Operating Income | 373.73M |
| Pretax Income | -17.20M |
| Net Income | -18.19M |
| EBITDA | 383.88M |
| EBIT | 373.73M |
| Loss Per Share | -$0.05 |
Balance Sheet
The company has $1.16 billion in cash and $180.88 million in debt, with a net cash position of $979.94 million or $2.59 per share.
| Cash & Cash Equivalents | 1.16B |
| Total Debt | 180.88M |
| Net Cash | 979.94M |
| Net Cash Per Share | $2.59 |
| Equity (Book Value) | 1.40B |
| Book Value Per Share | 3.71 |
| Working Capital | 1.40B |
Cash Flow
In the last 12 months, operating cash flow was $344.99 million and capital expenditures -$32.82 million, giving a free cash flow of $312.18 million.
| Operating Cash Flow | 344.99M |
| Capital Expenditures | -32.82M |
| Depreciation & Amortization | 10.15M |
| Net Borrowing | 50.00M |
| Free Cash Flow | 312.18M |
| FCF Per Share | $0.82 |
Margins
Gross margin is 88.71%, with operating and profit margins of 15.21% and -0.74%.
| Gross Margin | 88.71% |
| Operating Margin | 15.21% |
| Pretax Margin | -0.70% |
| Profit Margin | -0.74% |
| EBITDA Margin | 15.62% |
| EBIT Margin | 15.21% |
| FCF Margin | 12.71% |
Dividends & Yields
Chime Financial does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | -368.14% |
| Shareholder Yield | -368.14% |
| Earnings Yield | -0.16% |
| FCF Yield | 2.75% |
Analyst Forecast
The average price target for Chime Financial is $39.77, which is 32.74% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $39.77 |
| Price Target Difference | 32.74% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 23 |
| Revenue Growth Forecast (3Y) | 21.95% |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | n/a |
| Graham Upside | n/a |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
Chime Financial has an Altman Z-Score of 9.1 and a Piotroski F-Score of 4.
| Altman Z-Score | 9.1 |
| Piotroski F-Score | 4 |