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US neobank offering fee-free checking, early paycheck access and credit-building products via a mobile app, partnered with chartered banks.
US neobank offering fee-free checking, early paycheck access and credit-building products via a mobile app, partnered with chartered banks.
Earns most of its revenue from interchange, a small fee merchants pay each time a member uses the Chime debit card, rather than charging account fees, so income grows with how much members spend. Accounts are issued by partner banks, The Bancorp Bank and Stride Bank, since Chime has no bank charter of its own. It listed in 2025.
Moat: narrow (brand, distribution, scale). Strong low-income/mass-market brand and interchange-funded free model, though it must partner with chartered banks.
Headquarters: San Francisco, California, US · Founded: 2012 · Employees: 1,519
Size Chime Financial (CHYM) is a United States Information Technology company (Packaged Software) with a market value of $11.9B, the 699th largest of 3,117 United States companies the cockpit tracks. Shares closed at $31.33 on 6 Nov 2026.
Performance Over six months the shares gained 70.0%, against +37.0% for the median peer and -1.1% for the United States market (cap-weighted) — 4th highest of 21 in its peer set.
Growth Revenue grew 17.5% over the last twelve months (peer median +18.9%); the operating margin is -0.8% (peer median 18.9%).
Valuation It trades at 35.2× forward earnings against a peer median of 23.1× (6th most expensive of 20).
Price implies For today's price to make sense, revenue must grow about 18% a year for seven years (Req g). Recent delivered growth is +25%, so the hurdle is -7 pp: the price already allows for a slowdown.
Capital Return on invested capital runs 12.1 points below its cost of capital (8.5% WACC).
Short interest Short interest is 7.3% of the free float (15 Oct 2026).
Next results Next results expected around 3 Mar 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $2.23B | $1.96B | $1.60B | $1.28B | $1.01B |
| Revenue growth | — | +23% | +25% | +27% | — |
| Gross profit | $1.94B | $1.68B | $1.37B | $1.05B | $787M |
| EBITDA | $12.1M | -$977M | -$35.5M | -$215M | -$439M |
| Net income | -$18.2M | -$1.01B | -$25.3M | -$203M | -$470M |
| Free cash flow | $308M | $22.9M | $49.7M | -$185M | -$507M |
| Capital expenditure | $36.1M | $28.7M | $14.5M | $27.8M | $72.9M |
| Total debt | $131M | $135M | $96.3M | $105M | n/a |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| Chime Financial CHYM | $11.9B | +70% | +18% | -1% | 35.2× | 18.2% |
| Block XYZ | $51.7B | +14% | +7% | 20% | 17.1× | n/a |
| SOFI SOFI | $21.0B | +3% | +38% | 23% | 19.7× | n/a |
| Dave DAVE | $3.55B | +9% | +49% | 34% | 14.7× | n/a |
| PayPal PYPL | $49.2B | +31% | +5% | 19% | 10.1× | n/a |
| Green Dot GDOT | $697M | -3% | +18% | 2% | 7.8× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CHYM | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +8.2% | +3.5% | 10th highest of 21 |
| 6-month return | +70.0% | +37.0% | 4th highest of 21 |
| Distance from 52-week high | -11.9% | -14.9% | 8th highest of 21 |
| Revenue growth (TTM) | +17.5% | +18.9% | 10th lowest of 21 |
| Operating margin | -0.8% | 18.9% | 7th lowest of 21 |
| Forward P/E | 35.2× | 23.1× | 6th most expensive of 20 |
| Growth the price implies (Req g, 7 yrs) | 18.2% | 18.8% | 10th least demanding of 20 |
| Growth delivered (Del g) | +24.8% | +23.4% | 8th highest of 20 |
| Hurdle (Req g minus delivered) | -6.7 pp | -4.7 pp | 10th least demanding of 20 |
| ROIC minus cost of capital | -12.1 pp | +8.7 pp | 5th lowest of 18 |
| Net debt / EBITDA | -82.3× | -1.2× | least indebted of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Chime Financial CHYM | United States | $11.9B | +70% | +18% | -1% | 35.2× | 18.2% | +24.8% |
| Procore Technologies PCOR | United States | $11.4B | +41% | +16% | -1% | 33.8× | 19.9% | +27.0% |
| JFrog FROG | United States | $12.5B | +43% | +26% | -13% | 89.6× | 37.7% | +28.7% |
| Dynatrace DT | United States | $12.5B | +7% | +18% | 14% | 22.6× | 18.8% | +23.5% |
| Trimble TRMB | United States | $12.6B | -11% | +7% | 18% | 13.6× | 15.3% | +2.6% |
| Capcom 9697.T | Japan | $11.0B | +25% | +21% | 41% | 27.0× | -2.2% | +15.4% |
| SailPoint SAIL | United States | $11.0B | +57% | +20% | -19% | 53.5× | 42.0% | +24.7% |
| Paycom Software PAYC | United States | $10.5B | +73% | +9% | 30% | 15.9× | 3.3% | +19.5% |
| Wisetech Global WTC.AX | Australia | $10.3B | +15% | +71% | 31% | 32.6× | 30.1% | +32.3% |
| Tempus AI TEM | United States | $13.9B | +53% | +37% | -18% | n/a | n/a | n/a |
| Zhejiang Century Huatong 002602.SZ | China | $14.0B | -20% | +28% | 21% | 11.1× | -0.2% | +20.4% |
| Figma FIG | United States | $10.0B | -9% | +43% | -124% | 54.8× | 22.2% | +43.4% |
| HubSpot HUBS | United States | $10.0B | +2% | +21% | 4% | 12.5× | 25.1% | +28.8% |
| Sage SGE.L | United Kingdom | $14.1B | +33% | +9% | 23% | 23.1× | 3.1% | +5.7% |
| DocuSign DOCU | United States | $14.5B | +62% | +9% | 12% | 15.9× | 12.9% | +17.2% |
| Manhattan Associates MANH | United States | $14.7B | +77% | +8% | 25% | 42.0× | 29.4% | +13.0% |
| Oracle Financial Services Software OFSS.NS | India | $9.43B | +8% | +28% | 52% | 22.7× | 22.0% | +9.0% |
| Full Truck Alliance Co. Ltd. Sponsored ADR YMM | United States | $9.35B | +4% | +9% | 34% | 12.8× | -10.9% | +36.0% |
| Hinge Health HNGE | United States | $9.34B | +107% | +50% | 19% | 39.6× | 34.1% | +49.9% |
| Elastic ESTC | United States | $9.12B | +65% | +16% | -1% | 24.4× | 13.0% | +23.4% |
| Paylocity PCTY | United States | $9.03B | +56% | +11% | 22% | 19.0× | 2.3% | +22.8% |