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CHIME FINANCIAL INC-CL A (CHYM) Stock Fundamental Analysis

USA - NASDAQ:CHYM - US16935C1099 - Common Stock

20.84 USD
+0.5 (+2.46%)
Last: 11/10/2025, 3:33:06 PM
Fundamental Rating

4

CHYM gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While CHYM has a great health rating, there are worries on its profitability. While showing a medium growth rate, CHYM is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CHYM has reported negative net income.
CHYM Yearly Net Income VS EBIT VS OCF VS FCFCHYM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 0 -100M -200M -300M -400M -500M

1.2 Ratios

CHYM has a Return On Assets of -1.29%. This is amonst the worse of the industry: CHYM underperforms 81.44% of its industry peers.
With a Return On Equity value of -1.76%, CHYM is not doing good in the industry: 78.35% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.29%
ROE -1.76%
ROIC N/A
ROA(3y)-16.76%
ROA(5y)N/A
ROE(3y)-22.35%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CHYM Yearly ROA, ROE, ROICCHYM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 -10 -20 -30 -40

1.3 Margins

The Gross Margin of CHYM (87.60%) is better than 89.69% of its industry peers.
CHYM does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 87.6%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CHYM Yearly Profit, Operating, Gross MarginsCHYM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 0 20 -20 40 -40 60 80

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9

2. Health

2.1 Basic Checks

CHYM does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CHYM remains at a similar level compared to 1 year ago.
There is no outstanding debt for CHYM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CHYM Yearly Shares OutstandingCHYM Yearly Shares OutstandingYearly Shares Outstanding 2022 2023 2024 100M 200M 300M
CHYM Yearly Total Debt VS Total AssetsCHYM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 500M 1B

2.2 Solvency

An Altman-Z score of 7.97 indicates that CHYM is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 7.97, CHYM belongs to the best of the industry, outperforming 91.75% of the companies in the same industry.
There is no outstanding debt for CHYM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 7.97
ROIC/WACCN/A
WACC8.75%
CHYM Yearly LT Debt VS Equity VS FCFCHYM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 0 500M -500M 1B

2.3 Liquidity

CHYM has a Current Ratio of 4.94. This indicates that CHYM is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of CHYM (4.94) is better than 91.75% of its industry peers.
A Quick Ratio of 4.94 indicates that CHYM has no problem at all paying its short term obligations.
The Quick ratio of CHYM (4.94) is better than 91.75% of its industry peers.
Industry RankSector Rank
Current Ratio 4.94
Quick Ratio 4.94
CHYM Yearly Current Assets VS Current LiabilitesCHYM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 200M 400M 600M 800M 1B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 87.50% over the past year.
The Revenue has grown by 30.88% in the past year. This is a very strong growth!
EPS 1Y (TTM)87.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)30.88%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

CHYM is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 62.00% yearly.
Based on estimates for the next years, CHYM will show a very strong growth in Revenue. The Revenue will grow by 24.76% on average per year.
EPS Next Y-5885.52%
EPS Next 2Y6.1%
EPS Next 3Y62%
EPS Next 5YN/A
Revenue Next Year31%
Revenue Next 2Y25.66%
Revenue Next 3Y22.94%
Revenue Next 5Y24.76%

3.3 Evolution

CHYM Yearly Revenue VS EstimatesCHYM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B 4B
CHYM Yearly EPS VS EstimatesCHYM Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 -1 -2 -3 -4

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1

4. Valuation

4.1 Price/Earnings Ratio

CHYM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CHYM. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CHYM Price Earnings VS Forward Price EarningsCHYM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -100 -200 -300

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CHYM Per share dataCHYM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

4.3 Compensation for Growth

CHYM's earnings are expected to grow with 62.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.1%
EPS Next 3Y62%

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0

5. Dividend

5.1 Amount

CHYM does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CHIME FINANCIAL INC-CL A

NASDAQ:CHYM (11/10/2025, 3:33:06 PM)

20.84

+0.5 (+2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)N/A N/A
Inst Owners70.36%
Inst Owner Change0.36%
Ins Owners2.65%
Ins Owner Change-7.53%
Market Cap7.75B
Revenue(TTM)1.67B
Net Income(TTM)-25.34M
Analysts80
Price Target34.03 (63.29%)
Short Float %3.31%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)21.05%
Min EPS beat(2)2.81%
Max EPS beat(2)39.3%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.44%
Min Revenue beat(2)0.33%
Max Revenue beat(2)4.56%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-13.79%
PT rev (3m)-12.2%
EPS NQ rev (1m)-16.65%
EPS NQ rev (3m)4.42%
EPS NY rev (1m)-11.37%
EPS NY rev (3m)-21.53%
Revenue NQ rev (1m)0.6%
Revenue NQ rev (3m)5.18%
Revenue NY rev (1m)0.5%
Revenue NY rev (3m)3.69%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 4.63
P/FCF N/A
P/OCF N/A
P/B 5.37
P/tB 5.37
EV/EBITDA N/A
EPS(TTM)-0.07
EYN/A
EPS(NY)-0.06
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.5
BVpS3.88
TBVpS3.88
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.29%
ROE -1.76%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 87.6%
FCFM N/A
ROA(3y)-16.76%
ROA(5y)N/A
ROE(3y)-22.35%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.85
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.94
Quick Ratio 4.94
Altman-Z 7.97
F-ScoreN/A
WACC8.75%
ROIC/WACCN/A
Cap/Depr(3y)423.62%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.42%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)87.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y-5885.52%
EPS Next 2Y6.1%
EPS Next 3Y62%
EPS Next 5YN/A
Revenue 1Y (TTM)30.88%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year31%
Revenue Next 2Y25.66%
Revenue Next 3Y22.94%
Revenue Next 5Y24.76%
EBIT growth 1Y73.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year236.03%
EBIT Next 3Y106.89%
EBIT Next 5Y100.08%
FCF growth 1Y126.94%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y140.96%
OCF growth 3YN/A
OCF growth 5YN/A

CHIME FINANCIAL INC-CL A / CHYM FAQ

What is the fundamental rating for CHYM stock?

ChartMill assigns a fundamental rating of 4 / 10 to CHYM.


What is the valuation status for CHYM stock?

ChartMill assigns a valuation rating of 1 / 10 to CHIME FINANCIAL INC-CL A (CHYM). This can be considered as Overvalued.


Can you provide the profitability details for CHIME FINANCIAL INC-CL A?

CHIME FINANCIAL INC-CL A (CHYM) has a profitability rating of 1 / 10.