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Home CompaniesChime Financial, Inc. Class A Common Stock

Chime Financial, Inc. Class A Common Stock

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
31.33 USD 1.15 ( 3.81%)
Last update at 2026-11-06T21:00:00Z
VOLUME
8527719
Market Cap
12724.25M
P/E
6.32

Momentum Score

…

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
29.04
Low
32.08
High
52 Week Price Range
15.88
Low
35.55
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Chime operates a mobile-first consumer banking platform that provides checking, savings, debit cards, early direct deposit and related services via partnerships with FDIC-insured banks. Long-term growth may be supported by user expansion, higher payment/interchange volumes and broader credit and savings offerings, and investors may find appeal in its low-cost distribution and brand traction with younger customers.

Key risks are intense fintech and bank competition, regulatory and compliance scrutiny of its partner-based model and fee practices, and sensitivity to credit and macroeconomic cycles that could hurt revenue and margins.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
30.18
Dividend Yield
-
Revenue TTM
2457.03M
Revenue Per Share
6.49
Gross Profit TTM
2179.55M
Debt / Equity
0.10
ROE
-1.28%
Net Debt
-331.59M
ROCE
-64.00%
Diluted EPS TTM
5.32

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Type yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Income before tax -1009.11M -22.73M -202.97M -470.59M
Net income -1009.94M -25.34M -203.20M -470.25M
Selling general administrative 512.11M 177.23M 154.94M 169.72M
Selling and marketing expenses 635.38M 519.76M 443.81M 434.23M
Gross profit 1877.74M 1465.76M 1058.72M 794.15M
Reconciled depreciation 30.00M 25.37M 12.94M 7.30M
Ebit -1009.11M -62.20M -235.78M -478.70M
Ebitda -979.11M -36.83M -222.85M -471.40M
Depreciation and amortization 30.00M 25.37M 12.94M 7.30M
Operating income -1039.98M -62.20M -235.78M -478.70M
Other operating expenses 3226.75M 1735.47M 1514.24M 1487.54M
Tax provision 0.83M 2.61M 0.23M -0.34M
Income tax expense 0.83M 2.61M 0.23M -0.34M
Total revenue 2186.77M 1673.27M 1278.45M 1008.84M
Total operating expenses 2917.72M 1527.96M 1294.50M 1272.85M
Cost of revenue 309.03M 207.51M 219.74M 214.69M
Total other income expense net 30.87M 39.47M 32.82M 8.11M
Net income from continuing ops -1009.94M -25.34M -203.20M -470.25M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Type yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total assets 1964.61M 1461.04M 1320.25M 1417.75M
Intangible assets 27.49M - - -
Other current assets 444.05M 264.49M 184.66M 210.17M
Total liab 562.90M 501.52M 383.74M 316.71M
Total stockholder equity 1401.71M 959.52M 936.51M 1101.04M
Other current liab 337.86M 323.23M 254.55M 188.46M
Common stock 0.03M 0.00M 0.00M 0.00M
Capital stock 0.03M 2890.12M 2890.12M 2890.12M
Retained earnings -3374.10M -2364.17M -2338.82M -2135.62M
Good will - 27.49M - -
Cash 466.25M 337.70M 239.75M 203.36M
Total current liabilities 387.92M 374.82M 288.65M 215.51M
Net debt -331.59M -241.36M -134.85M -102.56M
Short term debt 11.38M 15.75M 11.96M 6.27M
Short long term debt total 134.66M 96.34M 104.89M 100.81M
Other stockholder equity 4775.61M 433.36M 384.49M 353.37M
Total current assets 1756.01M 1287.04M 1161.84M 1271.34M
Short term investments 587.83M 368.89M 560.88M 734.61M
Net receivables 257.88M 315.96M 176.55M 123.20M
Accounts payable 38.68M 35.85M 22.14M 20.79M
Accumulated other comprehensive income 0.17M 0.20M 0.72M -6.83M
Non currrent assets other 3.35M 31.97M 0.91M 0.20M
Non current assets total 208.59M 174.00M 158.41M 146.41M
Capital lease obligations 134.66M 96.34M 104.89M 100.81M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Type yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Investments -213.75M 45.66M 167.01M 150.54M
Total cashflows from investing activities -289.69M 45.66M 167.01M 150.54M
Total cash from financing activities 367.67M 0.46M 0.84M 1.02M
Net income -1009.94M -25.34M -203.20M -470.25M
Change in cash 130.76M 110.25M 11.26M -282.57M
Begin period cash flow 350.00M 239.75M 228.49M 511.06M
End period cash flow 480.76M 350.00M 239.75M 228.49M
Total cash from operating activities 52.78M 64.14M -156.59M -434.13M
Issuance of capital stock 770.59M 0.00M 0.00M -
Depreciation 24.87M 25.37M 12.94M 7.30M
Other cashflows from investing activities 4884.04M -140.10M -17.31M -24.18M
Change to account receivables -42.96M -40.31M -53.34M -29.28M
Sale purchase of stock -77.54M -0.95M -0.06M -0.51M
Other cashflows from financing activities -350.54M 1.41M 0.90M 1.53M
Capital expenditures 19.89M 14.47M 27.82M 72.91M
Change in working capital -234.32M -104.23M -136.73M -158.94M
Stock based compensation 1070.90M 29.84M 26.04M 28.35M
Other non cash items 201.26M 138.50M 144.36M 159.41M
Free cash flow 32.89M 49.67M -184.41M -507.05M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CHYM
Chime Financial, Inc. Class A Common Stock		 1.15
3.81%		 31.33 6.32 26.45 5.18 9.15 4.85
SAP
SAP SE ADR		 -10.08
4.14%		 233.45 28.16 22.42 6.52 4.85 5.60
CRM
Salesforce Inc		 -8.76
3.94%		 213.65 23.41 15.55 4.79 5.56 5.55
SAPGF
SAP SE		 -7.43
3.09%		 233.00 76.28 22.88 5.61 3.84 5.59
SHOP
Shopify Inc		 5.16
3.59%		 148.91 90.18 53.19 12.70 13.17 12.23

Profile*

Chime Financial, Inc. Class A Common Stock

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

101 California Street, San Francisco, CA, United States, 94111

844 244 6363

https://www.chime.com

1519

Name Title Year Born
Mr. Mark T. Troughton President 1969
Mr. Adam Bynoe Frankel Esq., J.D. General Counsel & Corporate Secretary 1968
Ms. Janelle Sallenave Chief Operating Officer NA
Mr. Jeff Currier Chief Technology Officer NA
Mr. David Pearce Vice President of Investor Relations & Capital Markets NA
Ms. Sarah Wagener Chief People Officer NA
Mr. Vineet Mehra Chief Growth Officer 1980
Mr. Xiongwen Rui Chief Risk Officer NA
Ms. Jennifer Kuperman Chief Corporate Affairs Officer NA
Mr. Christopher R. Britt Co-Founder, CEO & Chairperson 1973

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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