Chime Financial vs Jack Henry & Associates
Jack Henry & Associates is the larger business, with $2.54bn of revenue in fiscal 2026 against $2.19bn for Chime Financial (1.2 times as much). Chime Financial grew faster (30.7% against 7.1%). Jack Henry & Associates kept more of each dollar of sales as profit: a net margin of 19.8% against -46.2%.
| Latest fiscal year | Chime FinancialCHYM, 2025 | Jack Henry & AssociatesJKHY, 2026 |
|---|---|---|
| Revenue | $2.19bn | $2.54bn |
| Revenue growth | 30.7% | 7.1% |
| Net income | −$1.01bn | $503m |
| Operating margin | -47.6% | — |
| Net margin | -46.2% | 19.8% |
| Return on equity | — | 24.0% |
| Free cash flow | $32.9m | $695m |
| Cash | $466m | $12.1m |
| Total debt | $0 | $40.0m |
| Debt to equity | 0.0% | — |
| Dividend per share | — | $2.38 |
| Dividend yield | — | 1.5% |
| Share buybacks | $77.5m | $448m |
| Employees | — | 7,300 |
| Market value | $6.67bn | $11.48bn |
| Price vs our value range | — | Within our value range |
| Moat score | — | 85 (Strong) |
| Insider trades, 12 months | 0 buys, 337 sales | 2 buys, 2 sales |