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

NASDAQ:CHYM - Nasdaq - US16935C1099 - Common Stock - Currency: USD

28.89  -4.97 (-14.68%)

After market: 28.95 +0.06 (+0.21%)

Fundamental Rating

4

Overall CHYM gets a fundamental rating of 4 out of 10. We evaluated CHYM against 101 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

CHYM had negative earnings in the past year.
CHYM had a negative operating cash flow in the past year.
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

With a Return On Assets value of -1.76%, CHYM is not doing good in the industry: 84.16% of the companies in the same industry are doing better.
CHYM has a Return On Equity of -2.58%. This is amonst the worse of the industry: CHYM underperforms 81.19% of its industry peers.
Industry RankSector Rank
ROA -1.76%
ROE -2.58%
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 91.09% of the companies in the same industry.
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.
CHYM has about the same amout of shares outstanding than it did 1 year ago.
CHYM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

CHYM has an Altman-Z score of 15.82. This indicates that CHYM is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of CHYM (15.82) is better than 94.06% of its industry peers.
CHYM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 15.82
ROIC/WACCN/A
WACC8.91%
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

A Current Ratio of 3.80 indicates that CHYM has no problem at all paying its short term obligations.
CHYM's Current ratio of 3.80 is amongst the best of the industry. CHYM outperforms 86.14% of its industry peers.
CHYM has a Quick Ratio of 3.80. This indicates that CHYM is financially healthy and has no problem in meeting its short term obligations.
CHYM has a better Quick ratio (3.80) than 87.13% of its industry peers.
Industry RankSector Rank
Current Ratio 3.8
Quick Ratio 3.8
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.
CHYM shows a strong growth in Revenue. In the last year, 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%32.34%

3.2 Future

The Earnings Per Share is expected to grow by 30.85% on average over the next years. This is a very strong growth
Based on estimates for the next years, CHYM will show a very strong growth in Revenue. The Revenue will grow by 20.91% on average per year.
EPS Next Y-4825.14%
EPS Next 2Y-128.24%
EPS Next 3Y30.85%
EPS Next 5YN/A
Revenue Next Year26.34%
Revenue Next 2Y22.92%
Revenue Next 3Y20.91%
Revenue Next 5YN/A

3.3 Evolution

CHYM Yearly Revenue VS EstimatesCHYM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B 2.5B
CHYM Yearly EPS VS EstimatesCHYM Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0 -1 -2 -3

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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

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 30.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-128.24%
EPS Next 3Y30.85%

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0

5. Dividend

5.1 Amount

No dividends for CHYM!.
Industry RankSector Rank
Dividend Yield N/A

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CHIME FINANCIAL INC-CL A

NASDAQ:CHYM (8/8/2025, 8:25:30 PM)

After market: 28.95 +0.06 (+0.21%)

28.89

-4.97 (-14.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner Change-9%
Market Cap10.53B
Analysts80
Price Target38.76 (34.16%)
Short Float %0.88%
Short Ratio0.94
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
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)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 6.29
P/FCF N/A
P/OCF N/A
P/B 10.72
P/tB 10.72
EV/EBITDA N/A
EPS(TTM)-0.07
EYN/A
EPS(NY)-0.36
Fwd EYN/A
FCF(TTM)-0.14
FCFYN/A
OCF(TTM)-0.09
OCFYN/A
SpS4.59
BVpS2.69
TBVpS2.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.76%
ROE -2.58%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover1.17
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 62.31%
Cap/Sales 1.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.8
Quick Ratio 3.8
Altman-Z 15.82
F-ScoreN/A
WACC8.91%
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-4825.14%
EPS Next 2Y-128.24%
EPS Next 3Y30.85%
EPS Next 5YN/A
Revenue 1Y (TTM)30.88%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%32.34%
Revenue Next Year26.34%
Revenue Next 2Y22.92%
Revenue Next 3Y20.91%
Revenue Next 5YN/A
EBIT growth 1Y73.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year182.82%
EBIT Next 3Y101.44%
EBIT Next 5YN/A
FCF growth 1Y126.94%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y140.96%
OCF growth 3YN/A
OCF growth 5YN/A