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Chime Financial, Inc. Class A (CHYM) Ratios
Chime Financial, Inc. Class A Ratios
CHYM's free cash flow for Q2 2026 was $198.37M. For the 2026 fiscal year, CHYM's free cash flow was decreased by $-9.11M and operating cash flow was $207.48M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 |
|---|---|---|---|---|
| Liquidity Ratios | ||||
| Current Ratio | 4.53 | 3.43 | 4.03 | 5.90 |
| Quick Ratio | 4.53 | 3.43 | 4.03 | 5.90 |
| Cash Ratio | 1.20 | 0.90 | 0.83 | 0.94 |
| Solvency Ratio | -1.74 | 0.00 | -0.50 | -1.46 |
| Operating Cash Flow Ratio | 0.14 | 0.17 | -0.54 | -2.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ 1.19B | $ 785.52M | $ 778.10M | $ 954.63M |
| Leverage Ratios | ||||
| Debt-to-Assets Ratio | 0.07 | 0.07 | 0.08 | 0.07 |
| Debt-to-Equity Ratio | 0.10 | 0.10 | 0.11 | 0.09 |
| Debt-to-Capital Ratio | 0.09 | 0.09 | 0.10 | 0.08 |
| Long-Term Debt-to-Capital Ratio | 0.00 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 1.40 | 1.52 | 1.41 | 1.29 |
| Debt Service Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 |
| Debt to Market Cap | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 0.36 | 0.26 | 0.29 | 0.28 |
| Net Debt to EBITDA | 0.34 | 6.55 | 0.61 | 0.22 |
| Profitability Margins | ||||
| Gross Profit Margin | 85.87% | 87.60% | 82.81% | 78.72% |
| EBIT Margin | -46.15% | -3.72% | -18.44% | -47.45% |
| EBITDA Margin | -44.77% | -2.20% | -17.43% | -46.73% |
| Operating Profit Margin | -47.56% | -3.72% | -18.44% | -47.45% |
| Pretax Profit Margin | -46.15% | -1.36% | -15.88% | -46.65% |
| Net Profit Margin | -46.18% | -1.51% | -15.89% | -46.61% |
| Continuous Operations Profit Margin | -46.18% | -1.51% | -15.89% | -46.61% |
| Net Income Per EBT | 100.08% | 111.48% | 100.12% | 99.93% |
| EBT Per EBIT | 97.03% | 36.55% | 86.08% | 98.31% |
| Return on Assets (ROA) | -51.41% | -1.73% | -15.39% | -33.17% |
| Return on Equity (ROE) | -72.05% | -2.64% | -21.70% | -42.71% |
| Return on Capital Employed (ROCE) | -65.96% | -5.73% | -22.86% | -39.82% |
| Return on Invested Capital (ROIC) | -65.49% | -5.64% | -22.59% | -39.58% |
| Return on Tangible Assets | -51.41% | -1.73% | -15.39% | -33.17% |
| Earnings Yield | -10.59% | -0.19% | -1.50% | -3.48% |
| Efficiency Ratios | ||||
| Receivables Turnover | 6.64 | 5.30 | 7.24 | 8.19 |
| Payables Turnover | 7.99 | 5.79 | 9.92 | 10.33 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 12.30 | 11.78 | 8.12 | 6.90 |
| Asset Turnover | 1.11 | 1.15 | 0.97 | 0.71 |
| Working Capital Turnover Ratio | 1.92 | 1.87 | 1.33 | 0.00 |
| Cash Conversion Cycle | 9.31 | 5.87 | 13.62 | 9.23 |
| Days of Sales Outstanding | 54.99 | 68.92 | 50.40 | 44.58 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 45.69 | 63.05 | 36.78 | 35.35 |
| Operating Cycle | 54.99 | 68.92 | 50.40 | 44.58 |
| Cash Flow Ratios | ||||
| Operating Cash Flow Per Share | 0.14 | 0.18 | -0.43 | -1.19 |
| Free Cash Flow Per Share | 0.09 | 0.14 | -0.51 | -1.39 |
| Dividend Paid and CapEx Coverage Ratio | 2.65 | 4.43 | -5.63 | -5.95 |
| Capital Expenditure Coverage Ratio | 2.65 | 4.43 | -5.63 | -5.95 |
| Operating Cash Flow Coverage Ratio | 0.39 | 0.67 | -1.49 | -4.31 |
| Operating Cash Flow to Sales Ratio | 0.02 | 0.04 | -0.12 | -0.43 |
| Free Cash Flow Yield | 0.35% | 0.37% | -1.36% | -3.75% |
| Valuation Ratios | ||||
| Price-to-Earnings (P/E) Ratio | -9.43 | -533.60 | -66.55 | -28.76 |
| Price-to-Sales (P/S) Ratio | 4.36 | 8.08 | 10.58 | 13.41 |
| Price-to-Book (P/B) Ratio | 6.80 | 14.09 | 14.44 | 12.28 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 289.82 | 272.27 | -73.34 | -26.67 |
| Price-to-Operating Cash Flow Ratio | 180.62 | 210.85 | -86.36 | -31.15 |
| Price-to-Earnings Growth (PEG) Ratio | -0.00 | 6.09 | 1.18 | 0.00 |
| Enterprise Value Multiple | -9.40 | -360.65 | -60.08 | -28.47 |
| Enterprise Value | 9.20B | 13.28B | 13.39B | 13.42B |
| EV to EBITDA | -9.40 | -360.65 | -60.08 | -28.47 |
| EV to Sales | 4.21 | 7.94 | 10.47 | 13.30 |
| EV to Free Cash Flow | 279.74 | 267.41 | -72.60 | -26.47 |
| EV to Operating Cash Flow | 174.34 | 207.08 | -85.50 | -30.91 |
| Tangible Book Value Per Share | 3.70 | 2.63 | 2.57 | 3.02 |
| Shareholders’ Equity Per Share | 3.70 | 2.63 | 2.57 | 3.02 |
| Tax and Other Ratios | ||||
| Effective Tax Rate | -0.00 | -0.11 | -0.00 | 0.00 |
| Revenue Per Share | 5.77 | 4.59 | 3.51 | 2.77 |
| Net Income Per Share | -2.67 | -0.07 | -0.56 | -1.29 |
| Tax Burden | 1.00 | 1.11 | 1.00 | 1.00 |
| Interest Burden | 1.00 | 0.37 | 0.86 | 0.98 |
| Research & Development to Revenue | 0.43 | 0.19 | 0.20 | 0.24 |
| SG&A to Revenue | 0.52 | 0.42 | 0.12 | 0.17 |
| Stock-Based Compensation to Revenue | 0.49 | 0.02 | 0.02 | 0.03 |
| Income Quality | -0.05 | -2.53 | 0.77 | 0.92 |
Currency in USD