Chime Financial, Inc. is a US-listed company in the transaction & payment processing services industry. Its financial year ends in December.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $2.46bn.
Our models give no value for Chime Financial at present, so past values are not shown.
Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Chime Financial, Inc.'s trailing-twelve-month revenue grew 26.4% year on year, with a free-cash-flow margin of 12.7%.
Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 345% in the quarter to 2026-06-30, the 4th beat in the last four quarters.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
The company also guided to year-over-year revenue growth of 25.00 to 26.00 for the full year of 2026; adjusted ebitda of $465.00m to $475.00m for the full year of 2026.
No model value for Chime Financial, Inc. at the moment. Current status: limited reported history: available models are shown without a Buy/Hold/Sell rating. Available reported financials are shown below.
We value Chime Financial, Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 8.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.83 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. | — | Does not apply: no positive consensus earnings for next year |
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Combined value Weighted average of the models that apply: the primary model (forward price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | — | No model applies: the filings don’t yet support a value. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Chime Financial, Inc. with asset managers, brokers and exchanges in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Next results: November 4, 2026, after the close. Analysts expect revenue of $704m for the quarter.
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $0.47 | +111% | $2.8bn | +27% |
| Next | $0.95 | +103% | $3.4bn | +22% |
Next year's EPS estimate has moved +26.4% in 90 days, across 17 analysts.
The consensus EPS forecast for the current fiscal year is +43.7% on 90 days ago. In the last 30 days, 12 analysts raised Chime Financial, Inc.'s forecast and 1 cut it.
Average of analysts' published estimates (third-party data).
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $0.33 | $0.75 |
| 60 days ago | $0.44 | $0.88 |
| 30 days ago | $0.46 | $0.92 |
| 7 days ago | $0.46 | $0.93 |
| Now | $0.47 | $0.95 |
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | $0.02 | $0.07 | +345.3% |
| Mar 2026 | $0.03 | $0.13 | +302.7% |
| Dec 2025 | −$0.18 | −$0.12 | +32.1% |
| Sept 2025 | −$0.24 | −$0.15 | +38.8% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months +66.2%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $1.9bn | $2.5bn | +26.4% |
| P/S multiple | 3.4x | 4.5x | +30.8% |
| Share count | 389m | 386m | +0.5% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
| Calendar year | 2026 to date |
|---|---|
| Return | |
| CHYM | +13% |
| Industry peers (median) | +5% |
| S&P 500 | +11% |
| Months that ended higher | |
| CHYM | 64% |
| S&P 500 | 46% |
| Largest fall from a high during the year | |
| CHYM | −41% |
| S&P 500 | −9% |
Worst fall since June 12, 2025: 56% from June 12, 2025 to June 10, 2026. Getting back needed a 126% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| August 5, 2026 | +25.3% | −0.4% | +26.7% | +34.9% |
| May 6, 2026 | −8.6% | +1.1% | −16.4% | −15.9% |
| February 25, 2026 | +17.3% | +0.3% | +10.2% | −13.1% |
| November 5, 2025 | +1.6% | −0.7% | +13.5% | +35.5% |
| August 7, 2025 | −13.7% | +0.7% | −12.7% | −27.0% |
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY25 Q1 | $1.8B |
| FY25 Q2 | $1.9B |
| FY25 Q3 | $2.1B |
| FY25 Q4 | $2.2B |
| FY26 Q1 | $2.3B |
| FY26 Q2 | $2.5B |
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | Operating margin (TTM) |
|---|---|
| FY25 Q1 | -3.2% |
| FY25 Q2 | -50.4% |
| FY25 Q3 | -49.1% |
| FY25 Q4 | -47.6% |
| FY26 Q1 | -43.3% |
| FY26 Q2 | -2.1% |
Source: SEC EDGAR filings. Retrieved October 20, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY25 Q2 | -0.6% |
| FY25 Q3 | 1.5% |
| FY25 Q4 | 1.5% |
| FY26 Q1 | 6.1% |
| FY26 Q2 | 12.7% |
| Fiscal year | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|
| Income | ||||
| Revenue | 1,278 | 1,673 | 2,187 | 2,457 |
| Gross profit | 1,059 | 1,466 | 1,924 | 2,180 |
| EBITDA | −223 | −37 | −1,010 | −20 |
| Operating income | −236 | −62 | −1,040 | −51 |
| Net income | −203 | −25 | −1,010 | −18 |
| Diluted EPS | −$3.22 | −$0.39 | −$4.27 | — |
| Growth (year on year) | ||||
| Revenue | — | +30.9% | +30.7% | +26.4% |
| Margins | ||||
| Gross margin | 82.8% | 87.6% | 88.0% | 88.7% |
| EBITDA margin | −17.4% | −2.2% | −46.2% | −0.8% |
| Operating margin | −18.4% | −3.7% | −47.6% | −2.1% |
| Net margin | −15.9% | −1.5% | −46.2% | −0.7% |
| Free-cash-flow margin | −13.1% | 3.5% | 1.5% | 12.7% |
| Cash flow | ||||
| Cash from operations | −157 | 64 | 53 | 345 |
| Capital spending | 11 | 5 | 20 | 33 |
| Free cash flow | −167 | 59 | 33 | 312 |
| Stock-based pay | 26 | 30 | 1,071 | 282 |
| Free cash flow after stock pay | −193 | 29 | −1,038 | 30 |
| Balance sheet | ||||
| Cash | 240 | 338 | 466 | 536 |
| Total debt | 0 | 0 | 0 | 50 |
| Net debt (negative = net cash) | −240 | −338 | −466 | −486 |
| Diluted shares | 63m | 65m | 236m | — |
| Returned to shareholders | ||||
| Buybacks | 0 | 1 | 78 | 300 |
| Total returned | 0 | 1 | 78 | 300 |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 422 | 475 | 519 | 528 | 544 | 596 | 647 | 670 |
| Gross profit | 368 | 419 | 458 | 461 | 474 | 530 | 580 | 595 |
| EBITDA | −24 | −20 | 16 | −923 | −57 | −46 | 54 | 29 |
| Operating income | −31 | −27 | 9 | −931 | −65 | −54 | 46 | 21 |
| Net income | −22 | −20 | 13 | −923 | −55 | −45 | 53 | 28 |
| Diluted EPS | −$0.06 | −$0.05 | $0.00 | −$2.43 | −$0.15 | $0.83 | $0.13 | $0.07 |
| Growth (year on year) | ||||||||
| Revenue | — | — | — | +37.5% | +28.8% | +25.5% | +24.8% | +26.8% |
| EBITDA | — | — | — | — | — | — | +228.3% | — |
| Net income | — | — | — | — | — | — | +313.1% | — |
| Margins | ||||||||
| Gross margin | 87.3% | 88.2% | 88.4% | 87.3% | 87.2% | 88.9% | 89.6% | 88.8% |
| EBITDA margin | −5.6% | −4.2% | 3.2% | −174.8% | −10.5% | −7.7% | 8.3% | 4.3% |
| Operating margin | −7.3% | −5.7% | 1.8% | −176.2% | −11.9% | −9.0% | 7.1% | 3.2% |
| Net margin | −5.2% | −4.1% | 2.5% | −174.8% | −10.1% | −7.5% | 8.3% | 4.2% |
| Free-cash-flow margin | −6.6% | 3.5% | −5.3% | 5.0% | 2.8% | 3.1% | 12.5% | 29.5% |
| Cash flow | ||||||||
| Cash from operations | −25 | 18 | −26 | 28 | 17 | 33 | 87 | 207 |
| Capital spending | 3 | 2 | 2 | 2 | 2 | 14 | 7 | 10 |
| Free cash flow | −28 | 17 | −27 | 26 | 15 | 18 | 81 | 198 |
| Stock-based pay | 10 | 8 | 9 | 910 | 85 | 67 | 61 | 69 |
| Free cash flow after stock pay | −38 | 9 | −36 | −884 | −69 | −49 | 20 | 128 |
| Last 12 months unless stated | CHYM | JKHY | WEX | WSE | RELY | PSFE | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $2.5bn | $2.5bn | $2.9bn | $1.9bn | $1.8bn | $1.7bn | $1.7bn |
| Revenue growth, last 12 months | 26.4% | 7.1% | 9.7% | 22.5% | 23.8% | −0.2% | 9.7% |
| Revenue growth, 3-year average | — | 7.0% | 4.8% | — | 31.4% | — | 7.9% |
| Revenue growth, latest quarter | 26.8% | 4.7% | 12.8% | — | 20.2% | — | 14.2% |
| Gross margin | 88.7% | 43.7% | 60.4% | — | — | 56.4% | 46.4% |
| Operating margin | −2.1% | 25.0% | 26.6% | 31.2% | 9.5% | 4.2% | 9.6% |
| Operating margin, 3-year average | — | 23.7% | 25.8% | — | 0.5% | — | 11.1% |
| Net margin | −0.7% | 19.8% | 14.0% | 26.3% | 16.9% | −10.7% | 5.6% |
| Cash from operations / revenue | 14.0% | 29.9% | −4.3% | 398.9% | 22.4% | 13.9% | 16.2% |
| Free-cash-flow margin | 12.7% | 27.3% | −12.8% | 397.9% | 21.4% | 13.1% | 15.5% |
| Free-cash-flow margin, 3-year average | — | 25.0% | 9.5% | — | 15.8% | — | 16.3% |
| Stock pay / revenue | 11.5% | 1.3% | 4.5% | 5.0% | 7.9% | 1.9% | 2.3% |
| Change in share count | — | −1.4% | −6.1% | −1.5% | 4.6% | −6.2% | −2.7% |
| Line of business | Revenue | YoY |
|---|---|---|
| Payments Revenue | $1.5B | ▲ 17.5% |
| Platform Related Revenue | $686M | ▲ 73.0% |
| My Pay | $334M | ▲ 175.6% |
These categories overlap or exclude eliminations, so shares aren't shown.
From Chime Financial, Inc.'s 10-K filed March 6, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Galileo (PTC) Ltd | $1.1B | 52.3M | 18.0% | 0.0% |
| Crosslink Capital Inc | $536M | 26.2M | 9.0% | 0.0% |
| General Atlantic, L.P. | $435M | 21.3M | 7.3% | 0.0% |
| Menlo Ventures Management, L.P. | $357M | 17.4M | 6.0% | 0.0% |
| Aspect Management, LLC | $244M | 11.9M | 4.1% | 0.0% |
| Blackrock, Inc. | $230M | 11.2M | 3.9% | ▲ 688.9% |
| Vanguard Portfolio Management LLC | $209M | 10.2M | 3.5% | ▲ 1.7% |
| Vanguard Capital Management LLC | $189M | 9.2M | 3.2% | ▼ 3.6% |
| Forerunner Ventures Management, LLC | $164M | 8.0M | 2.8% | ▼ 11.1% |
| Capital Research Global Investors | $116M | 5.7M | 1.9% | ▼ 7.5% |
| Tiger Global Management LLC | $108M | 5.3M | 1.8% | ▼ 52.3% |
| Softbank Group Corp. | $104M | 5.1M | 1.7% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Chime Financial, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| King Ryan A Co-Founder | October 13, 2026 | Sell pre-set plan | 300 | $31.00 | $9,300 |
| King Ryan A Co-Founder | October 9, 2026 | Sell pre-set plan | 50,000 | $29.40 | $1.5M |
| Feuille James Director | September 16, 2026 | Sell | 33,182 | $32.19 | $1.1M |
| Feuille James Director | September 16, 2026 | Sell | 62,218 | $31.46 | $2M |
| Feuille James Director | September 16, 2026 | Sell | 161,437 | $32.70 | $5.3M |
| Frankel Adam B General Counsel | September 15, 2026 | Sell pre-set plan | 15,054 | $33.78 | $508,524 |
| Frankel Adam B General Counsel | September 15, 2026 | Sell pre-set plan | 86,948 | $33.23 | $2.9M |
| Feuille James Director | September 15, 2026 | Sell | 954 | $33.95 | $32,388 |
| Feuille James Director | September 15, 2026 | Sell | 94,446 | $33.20 | $3.1M |
| Feuille James Director | September 14, 2026 | Sell | 1,972 | $34.41 | $67,857 |
| Feuille James Director | September 14, 2026 | Sell | 93,428 | $34.08 | $3.2M |
| Dstg Vi Investments-A, L.P. 10% owner | September 14, 2026 | Sell | 85,707 | $34.25 | $2.9M |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around November 3, 2026 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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