📊 CHYM Key Takeaways
Investment Thesis
Chime demonstrates strong revenue growth (+30.7% YoY) and exceptional gross margins (88%), indicating a scalable business model with pricing power. However, the company is deeply unprofitable with a -$1.0B net loss, negative operating margin of -47.6%, and poor capital efficiency (ROA of -51.4%), suggesting unsustainable spending that is burning through cash despite positive free cash flow. The significant deterioration in net income YoY (-3884.9%) and lack of clear profitability pathway raise serious concerns about operational execution and business model viability.
CHYM Strengths
- Exceptional revenue growth of 30.7% YoY indicating strong market demand
- Outstanding gross margin of 88% demonstrating powerful unit economics and pricing power
- Strong liquidity position with current ratio of 4.53x and $466.3M cash balance
- Positive free cash flow of $32.9M despite operating losses showing some cash generation ability
CHYM Risks
- Massive operating losses of -$1.0B with negative operating margin of -47.6% indicating unsustainable cost structure
- Severe profitability deterioration with net income declining 3884.9% YoY, suggesting worsening financial performance trajectory
- Extremely poor capital efficiency with ROE of -72.1% and ROA of -51.4% indicating destruction of shareholder value
- Operating cash flow of only $52.8M is insufficient to cover losses, creating long-term sustainability concerns despite positive FCF
Key Metrics to Watch
- Path to operating profitability and timeline for breaking even at operating level
- Operating expense ratio and whether company can achieve spending discipline
- Net income trends next 2-3 quarters to confirm if losses are bottoming or accelerating further
CHYM Financial Metrics
💡 AI Analyst Insight
The relatively thin 1.5% FCF margin may limit capital allocation flexibility. Strong liquidity with a 4.53x current ratio provides a solid financial cushion.
CHYM Profitability Ratios
CHYM vs Finance Sector
How Chime Financial, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CHYM Balance Sheet & Liquidity
CHYM 5-Year Financial Trend
5-Year Trend Summary: Chime Financial, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-3.22 indicates the company is currently unprofitable.
CHYM Growth Metrics (YoY)
CHYM Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $421.9M | $385.0K | $-0.09 |
| Q2 2025 | $384.2M | $385.0K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CHYM Capital Allocation
CHYM SEC Filings
Access official SEC EDGAR filings for Chime Financial, Inc. (CIK: 0001795586)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773703948.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773703814.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773703714.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773703594.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773703510.xml | View → |
❓ Frequently Asked Questions about CHYM
What is the AI rating for CHYM?
Chime Financial, Inc. (CHYM) has an AI rating of SELL with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CHYM's key strengths?
Exceptional revenue growth of 30.7% YoY indicating strong market demand. Outstanding gross margin of 88% demonstrating powerful unit economics and pricing power.
What are the risks of investing in CHYM?
Massive operating losses of -$1.0B with negative operating margin of -47.6% indicating unsustainable cost structure. Severe profitability deterioration with net income declining 3884.9% YoY, suggesting worsening financial performance trajectory.
What is CHYM's revenue and growth?
Chime Financial, Inc. reported revenue of $2.2B.
Does CHYM pay dividends?
Chime Financial, Inc. does not currently pay dividends.
Where can I find CHYM SEC filings?
Official SEC filings for Chime Financial, Inc. (CIK: 0001795586) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CHYM's EPS?
Chime Financial, Inc. has a diluted EPS of $-4.27.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.