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

USA - Nasdaq - NASDAQ:CHYM - US16935C1099 - Common Stock

26.63 USD
+0.1 (+0.38%)
Last: 12/24/2025, 8:19:58 PM
26.51 USD
-0.12 (-0.45%)
After Hours: 12/24/2025, 8:19:58 PM
Fundamental Rating

4

Taking everything into account, CHYM scores 4 out of 10 in our fundamental rating. CHYM was compared to 99 industry peers in the Financial Services industry. CHYM has a great financial health rating, but its profitability evaluates not so good. CHYM is valied quite expensively at the moment, while it does show a decent growth rate.


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's Return On Assets of -1.29% is on the low side compared to the rest of the industry. CHYM is outperformed by 78.79% of its industry peers.
CHYM has a worse Return On Equity (-1.76%) than 73.74% of its industry peers.
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

With an excellent Gross Margin value of 87.60%, CHYM belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
The Profit Margin and Operating Margin are not available for CHYM so they could not be analyzed.
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.
CHYM has about the same amout of shares outstanding than it did 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 10.76 indicates that CHYM is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 10.76, CHYM belongs to the top of the industry, outperforming 92.93% 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 10.76
ROIC/WACCN/A
WACC8.79%
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.
With an excellent Current ratio value of 4.94, CHYM belongs to the best of the industry, outperforming 90.91% of the companies in the same industry.
A Quick Ratio of 4.94 indicates that CHYM has no problem at all paying its short term obligations.
CHYM's Quick ratio of 4.94 is amongst the best of the industry. CHYM outperforms 90.91% 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

CHYM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 87.50%, which is quite impressive.
Looking at the last year, CHYM shows a very strong growth in Revenue. The Revenue has grown by 30.88%.
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

Based on estimates for the next years, CHYM will show a very strong growth in Earnings Per Share. The EPS will grow by 105.31% on average per year.
Based on estimates for the next years, CHYM will show a very strong growth in Revenue. The Revenue will grow by 25.23% on average per year.
EPS Next Y-6202.96%
EPS Next 2Y14.36%
EPS Next 3Y105.31%
EPS Next 5YN/A
Revenue Next Year32.2%
Revenue Next 2Y26.04%
Revenue Next 3Y23.31%
Revenue Next 5Y25.23%

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.
Also next year CHYM is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
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 -400 -500

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

A more expensive valuation may be justified as CHYM's earnings are expected to grow with 105.31% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y14.36%
EPS Next 3Y105.31%

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0

5. Dividend

5.1 Amount

CHYM does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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CHIME FINANCIAL INC-CL A

NASDAQ:CHYM (12/24/2025, 8:19:58 PM)

After market: 26.51 -0.12 (-0.45%)

26.63

+0.1 (+0.38%)

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 Change8.46%
Ins Owners2.65%
Ins Owner Change-4.17%
Market Cap9.98B
Revenue(TTM)1.67B
Net Income(TTM)-25.34M
Analysts79
Price Target32.2 (20.92%)
Short Float %3.63%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-5.37%
PT rev (3m)-18.42%
EPS NQ rev (1m)-4.24%
EPS NQ rev (3m)-36.88%
EPS NY rev (1m)-5.3%
EPS NY rev (3m)-17.27%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)2.25%
Revenue NY rev (1m)0.91%
Revenue NY rev (3m)1.42%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.96
P/FCF N/A
P/OCF N/A
P/B 6.91
P/tB 6.91
EV/EBITDA N/A
EPS(TTM)-0.07
EYN/A
EPS(NY)-0.05
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.47
BVpS3.85
TBVpS3.85
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 10.76
F-ScoreN/A
WACC8.79%
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-6202.96%
EPS Next 2Y14.36%
EPS Next 3Y105.31%
EPS Next 5YN/A
Revenue 1Y (TTM)30.88%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year32.2%
Revenue Next 2Y26.04%
Revenue Next 3Y23.31%
Revenue Next 5Y25.23%
EBIT growth 1Y73.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year284.81%
EBIT Next 3Y117.72%
EBIT Next 5Y103.57%
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.