Chime Financial Statistics
Total Valuation
Chime Financial has a market cap or net worth of $11.31 billion. The enterprise value is $10.25 billion.
| Market Cap | 11.31B |
| Enterprise Value | 10.25B |
Important Dates
The last earnings date was 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 149.42% in one year.
| Current Share Class | 352.88M |
| Shares Outstanding | 378.59M |
| Shares Change (YoY) | +149.42% |
| Shares Change (QoQ) | +1.70% |
| Owned by Insiders (%) | 9.84% |
| Owned by Institutions (%) | 52.15% |
| Float | 242.13M |
Valuation Ratios
The trailing PE ratio is 149.48 and the forward PE ratio is 37.50.
| PE Ratio | 149.48 |
| Forward PE | 37.50 |
| PS Ratio | 4.30 |
| Forward PS | 3.53 |
| PB Ratio | 7.42 |
| P/TBV Ratio | 7.33 |
| P/FCF Ratio | 27.05 |
| P/OCF Ratio | 24.93 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 20.42, with an EV/FCF ratio of 24.51.
| EV / Earnings | 127.70 |
| EV / Sales | 3.89 |
| EV / EBITDA | 20.42 |
| EV / EBIT | 20.86 |
| EV / FCF | 24.51 |
Financial Position
The company has a current ratio of 4.80, with a Debt / Equity ratio of 0.14.
| Current Ratio | 4.80 |
| Quick Ratio | 3.82 |
| Debt / Equity | 0.14 |
| Debt / EBITDA | 0.41 |
| Debt / FCF | 0.51 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.38% and return on invested capital (ROIC) is 107.08%.
| Return on Equity (ROE) | 5.38% |
| Return on Assets (ROA) | 14.73% |
| Return on Invested Capital (ROIC) | 107.08% |
| Return on Capital Employed (ROCE) | 27.46% |
| Weighted Average Cost of Capital (WACC) | n/a |
| Revenue Per Employee | $1.73M |
| Profits Per Employee | $52,833 |
| Employee Count | 1,519 |
| Asset Turnover | 1.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Chime Financial has paid $964,000 in taxes.
| Income Tax | 964,000 |
| Effective Tax Rate | 1.19% |
Stock Price Statistics
The stock price has increased by +67.39% in the last 52 weeks.
| Beta (5Y) | n/a |
| 52-Week Price Change | +67.39% |
| 50-Day Moving Average | 30.04 |
| 200-Day Moving Average | 23.82 |
| Relative Strength Index (RSI) | 54.57 |
| Average Volume (20 Days) | 3,494,783 |
Short Selling Information
The latest short interest is 25.18 million, so 6.65% of the outstanding shares have been sold short.
| Short Interest | 25.18M |
| Short Previous Month | 25.93M |
| Short % of Shares Out | 6.65% |
| Short % of Float | 10.40% |
| Short Ratio (days to cover) | 4.08 |
Income Statement
In the last 12 months, Chime Financial had revenue of $2.63 billion and earned $80.25 million in profits. Earnings per share was $0.20.
| Revenue | 2.63B |
| Gross Profit | 2.35B |
| Operating Income | 491.32M |
| Pretax Income | 81.22M |
| Net Income | 80.25M |
| EBITDA | 501.90M |
| EBIT | 491.32M |
| Earnings Per Share (EPS) | $0.20 |
Balance Sheet
The company has $1.28 billion in cash and $215.12 million in debt, with a net cash position of $1.06 billion or $2.80 per share.
| Cash & Cash Equivalents | 1.28B |
| Total Debt | 215.12M |
| Net Cash | 1.06B |
| Net Cash Per Share | $2.80 |
| Equity (Book Value) | 1.54B |
| Book Value Per Share | 4.02 |
| Working Capital | 1.59B |
Cash Flow
In the last 12 months, operating cash flow was $453.58 million and capital expenditures -$35.49 million, giving a free cash flow of $418.09 million.
| Operating Cash Flow | 453.58M |
| Capital Expenditures | -35.49M |
| Depreciation & Amortization | 10.58M |
| Net Borrowing | 100.00M |
| Free Cash Flow | 418.09M |
| FCF Per Share | $1.10 |
Margins
Gross margin is 89.36%, with operating and profit margins of 18.67% and 3.05%.
| Gross Margin | 89.36% |
| Operating Margin | 18.67% |
| Pretax Margin | 3.09% |
| Profit Margin | 3.05% |
| EBITDA Margin | 19.07% |
| EBIT Margin | 18.67% |
| FCF Margin | 15.89% |
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 | -149.42% |
| Shareholder Yield | -149.42% |
| Earnings Yield | 0.67% |
| FCF Yield | 3.70% |
Analyst Forecast
The average price target for Chime Financial is $39.55, which is 32.41% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $39.55 |
| Price Target Difference | 32.41% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 24 |
| Revenue Growth Forecast (3Y) | 22.11% |
| 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 | |
| Graham Upside |
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
| Altman Z-Score | n/a |
| Piotroski F-Score | 5 |