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Chime Financial, Inc. Class A (CHYM)
NASDAQ:CHYM
US Market
CHYM
Chime Financial, Inc. Class A
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Chime Financial, Inc. Class A (CHYM) Ratios

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Chime Financial, Inc. Class A Ratios

CHYM's free cash flow for Q2 2026 was $0.85. For the 2026 fiscal year, CHYM's free cash flow was decreased by $ and operating cash flow was $0.05. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 137.30 4.53 3.43 4.03
Quick Ratio
 137.30 4.53 3.43 4.03
Cash Ratio
 41.13 1.20 0.90 0.83
Solvency Ratio
 0.02 -1.74 <0.01 -0.50
Operating Cash Flow Ratio
 26.56 0.14 0.17 -0.54
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00
Net Current Asset Value
$ 1.20B$ 1.19B$ 785.52M$ 778.10M
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.07 0.08
Debt-to-Equity Ratio
 0.09 0.10 0.10 0.11
Debt-to-Capital Ratio
 0.09 0.09 0.09 0.10
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 1.42 1.40 1.52 1.41
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
 0.34 0.36 0.26 0.29
Net Debt to EBITDA
 68.08 0.34 6.55 0.61
Profitability Margins
Gross Profit Margin
87.26%85.87%87.60%82.81%
EBIT Margin
-1.54%-46.15%-3.72%-18.44%
EBITDA Margin
-0.25%-44.77%-2.20%-17.43%
Operating Profit Margin
-2.16%-47.56%-3.72%-18.44%
Pretax Profit Margin
-0.73%-46.15%-1.36%-15.88%
Net Profit Margin
-0.77%-46.18%-1.51%-15.89%
Continuous Operations Profit Margin
-0.77%-46.18%-1.51%-15.89%
Net Income Per EBT
105.78%100.08%111.48%100.12%
EBT Per EBIT
33.73%97.03%36.55%86.08%
Return on Assets (ROA)
-0.91%-51.41%-1.73%-15.39%
Return on Equity (ROE)
-1.28%-72.05%-2.64%-21.70%
Return on Capital Employed (ROCE)
-2.57%-65.96%-5.73%-22.86%
Return on Invested Capital (ROIC)
-2.55%-65.49%-5.64%-22.59%
Return on Tangible Assets
-0.92%-51.41%-1.73%-15.39%
Earnings Yield
-0.14%-10.59%-0.19%-1.50%
Efficiency Ratios
Receivables Turnover
 8.22 6.64 5.30 7.24
Payables Turnover
 8.31 7.99 5.79 9.92
Inventory Turnover
 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 13.41 12.30 11.78 8.12
Asset Turnover
 1.18 1.11 1.15 0.97
Working Capital Turnover Ratio
 1.35 1.92 1.87 1.33
Cash Conversion Cycle
 0.49 9.31 5.87 13.62
Days of Sales Outstanding
 44.43 54.99 68.92 50.40
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 43.94 45.69 63.05 36.78
Operating Cycle
 44.43 54.99 68.92 50.40
Cash Flow Ratios
Operating Cash Flow Per Share
 0.91 0.14 0.18 -0.43
Free Cash Flow Per Share
 0.84 0.09 0.14 -0.51
CapEx Per Share
 0.07 0.05 0.04 0.08
Free Cash Flow to Operating Cash Flow
 0.92 0.62 0.77 1.18
Dividend Paid and CapEx Coverage Ratio
 12.72 2.65 4.43 -5.63
Capital Expenditure Coverage Ratio
 12.72 2.65 4.43 -5.63
Operating Cash Flow Coverage Ratio
 2.64 0.39 0.67 -1.49
Operating Cash Flow to Sales Ratio
 0.15 0.02 0.04 -0.12
Free Cash Flow Yield
2.54%0.35%0.37%-1.36%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -582.01 -9.43 -533.60 -66.55
Price-to-Sales (P/S) Ratio
 5.32 4.36 8.08 10.58
Price-to-Book (P/B) Ratio
 8.94 6.80 14.09 14.44
Price-to-Free Cash Flow (P/FCF) Ratio
 39.43 289.82 272.27 -73.34
Price-to-Operating Cash Flow Ratio
 36.30 180.62 210.85 -86.36
Price-to-Earnings Growth (PEG) Ratio
 -7.21 >-0.01 6.09 1.18
Price-to-Fair Value
 8.94 6.80 14.09 14.44
Enterprise Value Multiple
 -2.04K -9.40 -360.65 -60.08
Enterprise Value
 12.17B 9.20B 13.28B 13.39B
EV to EBITDA
 -2.04K -9.40 -360.65 -60.08
EV to Sales
 5.15 4.21 7.94 10.47
EV to Free Cash Flow
 38.16 279.74 267.41 -72.60
EV to Operating Cash Flow
 35.16 174.34 207.08 -85.50
Tangible Book Value Per Share
 3.62 3.70 2.63 2.57
Shareholders’ Equity Per Share
 3.69 3.70 2.63 2.57
Tax and Other Ratios
Effective Tax Rate
 -0.06 >-0.01 -0.11 >-0.01
Revenue Per Share
 6.21 5.77 4.59 3.51
Net Income Per Share
 -0.05 -2.67 -0.07 -0.56
Tax Burden
 1.06 1.00 1.11 1.00
Interest Burden
 0.47 1.00 0.37 0.86
Research & Development to Revenue
 0.19 0.43 0.19 0.20
SG&A to Revenue
 0.42 0.52 0.42 0.12
Stock-Based Compensation to Revenue
 0.12 0.49 0.02 0.02
Income Quality
 -65.88 -0.05 -2.53 0.77
Currency in USD