CHIME FINANCIAL INC-CL A (CHYM) Fundamental Analysis & Valuation

NASDAQ:CHYM • US16935C1099

Current stock price

19.05 USD
+0.42 (+2.25%)
Last:

This CHYM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CHYM Profitability Analysis

1.1 Basic Checks

  • In the past year CHYM has reported negative net income.
  • CHYM had a positive 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 2025 0 -200M -400M -600M -800M -1B

1.2 Ratios

  • With a Return On Assets value of -52.07%, CHYM is not doing good in the industry: 90.00% of the companies in the same industry are doing better.
  • With a Return On Equity value of -72.97%, CHYM is not doing good in the industry: 85.00% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -52.07%
ROE -72.97%
ROIC N/A
ROA(3y)-22.84%
ROA(5y)N/A
ROE(3y)-32.13%
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 2025 -20 -40 -60

1.3 Margins

  • The Gross Margin of CHYM (87.97%) is better than 92.00% of its industry peers.
  • CHYM's Gross Margin has improved in the last couple of years.
  • 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 87.97%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.77%
GM growth 5YN/A
CHYM Yearly Profit, Operating, Gross MarginsCHYM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 0 20 -20 40 -40 60 80

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8

2. CHYM Health Analysis

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 has been increased 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 2025 100M 200M 300M
CHYM Yearly Total Debt VS Total AssetsCHYM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • CHYM has an Altman-Z score of 5.42. This indicates that CHYM is financially healthy and has little risk of bankruptcy at the moment.
  • CHYM's Altman-Z score of 5.42 is amongst the best of the industry. CHYM outperforms 91.00% 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 0
Altman-Z 5.42
ROIC/WACCN/A
WACC8.99%
CHYM Yearly LT Debt VS Equity VS FCFCHYM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 500M -500M 1B

2.3 Liquidity

  • CHYM has a Current Ratio of 4.53. This indicates that CHYM is financially healthy and has no problem in meeting its short term obligations.
  • With an excellent Current ratio value of 4.53, CHYM belongs to the best of the industry, outperforming 88.00% of the companies in the same industry.
  • A Quick Ratio of 4.53 indicates that CHYM has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 4.53, CHYM belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.53
Quick Ratio 4.53
CHYM Yearly Current Assets VS Current LiabilitesCHYM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2022 2023 2024 2025 500M 1B 1.5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. CHYM Growth Analysis

3.1 Past

  • CHYM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -6006.43%.
  • The Revenue has grown by 30.69% in the past year. This is a very strong growth!
  • Measured over the past years, CHYM shows a very strong growth in Revenue. The Revenue has been growing by 29.42% on average per year.
EPS 1Y (TTM)-6006.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
Revenue 1Y (TTM)30.69%
Revenue growth 3Y29.42%
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 31.45% yearly.
  • CHYM is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.39% yearly.
EPS Next Y102.72%
EPS Next 2Y46.17%
EPS Next 3Y31.45%
EPS Next 5YN/A
Revenue Next Year22.33%
Revenue Next 2Y20.71%
Revenue Next 3Y19.39%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
CHYM Yearly Revenue VS EstimatesCHYM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 2028 1B 2B 3B
CHYM Yearly EPS VS EstimatesCHYM Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 2028 0 1 -1 -2 -3 -4

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1

4. CHYM Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for CHYM. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 150.62 indicates a quite expensive valuation of CHYM.
  • Based on the Price/Forward Earnings ratio, CHYM is valued a bit more expensive than 74.00% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CHYM to the average of the S&P500 Index (22.76), we can say CHYM is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 150.62
CHYM Price Earnings VS Forward Price EarningsCHYM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100 150

4.2 Price Multiples

  • CHYM's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. CHYM is more expensive than 61.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 304.12
EV/EBITDA N/A
CHYM Per share dataCHYM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 -4 -6

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • A more expensive valuation may be justified as CHYM's earnings are expected to grow with 31.45% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y46.17%
EPS Next 3Y31.45%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CHYM Dividend Analysis

5.1 Amount

  • No dividends for CHYM!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

CHYM Fundamentals: All Metrics, Ratios and Statistics

CHIME FINANCIAL INC-CL A

NASDAQ:CHYM (4/2/2026, 1:13:03 PM)

19.05

+0.42 (+2.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners86.77%
Inst Owner Change26.84%
Ins Owners2.53%
Ins Owner Change4.64%
Market Cap7.32B
Revenue(TTM)2.19B
Net Income(TTM)-1.02B
Analysts79.09
Price Target32.78 (72.07%)
Short Float %2.25%
Short Ratio1.49
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)31.29%
Min EPS beat(2)23.27%
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)0.77%
Min Revenue beat(2)0.33%
Max Revenue beat(2)1.21%
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)-1.43%
PT rev (3m)1.78%
EPS NQ rev (1m)180.2%
EPS NQ rev (3m)136.67%
EPS NY rev (1m)329.21%
EPS NY rev (3m)361.05%
Revenue NQ rev (1m)1.39%
Revenue NQ rev (3m)1.51%
Revenue NY rev (1m)1.54%
Revenue NY rev (3m)1.81%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 150.62
P/S 3.35
P/FCF 304.12
P/OCF 138.63
P/B 5.22
P/tB 5.22
EV/EBITDA N/A
EPS(TTM)-7.56
EYN/A
EPS(NY)0.13
Fwd EY0.66%
FCF(TTM)0.06
FCFY0.33%
OCF(TTM)0.14
OCFY0.72%
SpS5.69
BVpS3.65
TBVpS3.65
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -52.07%
ROE -72.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 87.97%
FCFM 1.1%
ROA(3y)-22.84%
ROA(5y)N/A
ROE(3y)-32.13%
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 3Y3.77%
GM growth 5YN/A
F-Score5
Asset Turnover1.11
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 95.73%
Cap/Sales 1.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 4.53
Quick Ratio 4.53
Altman-Z 5.42
F-Score5
WACC8.99%
ROIC/WACCN/A
Cap/Depr(3y)122.59%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.45%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6006.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%N/A
EPS Next Y102.72%
EPS Next 2Y46.17%
EPS Next 3Y31.45%
EPS Next 5YN/A
Revenue 1Y (TTM)30.69%
Revenue growth 3Y29.42%
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year22.33%
Revenue Next 2Y20.71%
Revenue Next 3Y19.39%
Revenue Next 5YN/A
EBIT growth 1Y-1572.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year136.87%
EBIT Next 3Y41.73%
EBIT Next 5YN/A
FCF growth 1Y-51.56%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-17.71%
OCF growth 3YN/A
OCF growth 5YN/A

CHIME FINANCIAL INC-CL A / CHYM Fundamental Analysis FAQ

What is the fundamental rating for CHYM stock?

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


What is the valuation status of CHIME FINANCIAL INC-CL A (CHYM) stock?

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


What is the profitability of CHYM stock?

CHIME FINANCIAL INC-CL A (CHYM) has a profitability rating of 2 / 10.