Chime Financial vs Wise Group
Chime Financial is the larger business, with $2.19bn of revenue in fiscal 2025 against $1.89bn for Wise Group (1.2 times as much). Chime Financial grew faster (30.7% against 22.5%). Wise Group kept more of each dollar of sales as profit: a net margin of 26.3% against -46.2%. Chime Financial carries less debt relative to equity (0.0% against 17.4%).
| Latest fiscal year | Chime FinancialCHYM, 2025 | Wise GroupWSE, 2026 |
|---|---|---|
| Revenue | $2.19bn | $1.89bn |
| Revenue growth | 30.7% | 22.5% |
| Net income | −$1.01bn | $499m |
| Operating margin | -47.6% | 31.2% |
| Net margin | -46.2% | 26.3% |
| Return on equity | — | 27.2% |
| Free cash flow | $32.9m | $7.53bn |
| Cash | $466m | $27.80bn |
| Total debt | $0 | $335m |
| Debt to equity | 0.0% | 17.4% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $77.5m | $473m |
| Employees | — | — |
| Market value | $6.67bn | $11.08bn |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 0 buys, 337 sales | 0 buys, 5 sales |