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Chime Financial, Inc. key statistics and ratios

In fiscal 2025, Chime Financial, Inc. had an operating margin of -47.6%, debt equal to 0.0% of equity and a current ratio of 4.53. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Gross margin82.8%87.6%88.0%88.7%
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%
Return on equity———−1.3%
Return on assets—−1.7%−59.0%−0.9%
Asset turnover—1.151.281.24
Current ratio—3.434.534.62
Debt to equity——0.0%3.6%
R&D as % of revenue20.3%18.5%42.8%18.6%
Capital spending as % of revenue0.8%0.3%0.9%1.3%
Dividends and buybacks ÷ free cash flow—1.6%235.7%96.0%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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Figures from Chime Financial, Inc.'s SEC filings (10-K and 10-Q), retrieved October 20, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Chime Financial, Inc.