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

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

31.51  -0.12 (-0.38%)

Premarket: 31.53 +0.02 (+0.06%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CHYM. CHYM was compared to 100 industry peers in the Financial Services industry. CHYM has a great financial health rating, but its profitability evaluates not so good. 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.
In the past year CHYM has reported a negative cash flow from operations.
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: 85.00% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of -2.58%, CHYM is doing worse than 82.00% of the companies in the same industry.
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

CHYM has a better Gross Margin (87.60%) than 91.00% 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.
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

An Altman-Z score of 14.69 indicates that CHYM is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 14.69, CHYM belongs to the top of the industry, outperforming 94.00% 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 14.69
ROIC/WACCN/A
WACC9.1%
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 has a better Current ratio (3.80) than 86.00% of its industry peers.
A Quick Ratio of 3.80 indicates that CHYM has no problem at all paying its short term obligations.
The Quick ratio of CHYM (3.80) is better than 87.00% 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

The Earnings Per Share has grown by an impressive 87.50% over the past year.
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%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
CHYM is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.94% yearly.
EPS Next Y-4825.14%
EPS Next 2Y-128.24%
EPS Next 3Y30.85%
EPS Next 5YN/A
Revenue Next Year26.4%
Revenue Next 2Y22.99%
Revenue Next 3Y20.94%
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

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

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CHIME FINANCIAL INC-CL A

NASDAQ:CHYM (7/17/2025, 8:11:42 PM)

Premarket: 31.53 +0.02 (+0.06%)

31.51

-0.12 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner Change-9%
Market Cap11.48B
AnalystsN/A
Price TargetN/A
Short Float %0.79%
Short Ratio0.46
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 6.86
P/FCF N/A
P/OCF N/A
P/B 11.69
P/tB 11.69
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 14.69
F-ScoreN/A
WACC9.1%
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 Year26.4%
Revenue Next 2Y22.99%
Revenue Next 3Y20.94%
Revenue Next 5YN/A
EBIT growth 1Y73.62%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
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