# Chime Financial share price today (Chime Financial, Inc., CHYM)

> Chime Financial, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. CHYM · Technology · Software - Application · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/chym

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## Key numbers

- Price: $30.18 (+48.4% in a year)
- P/E: 151.0×, against its own history
- Revenue (Jun 2026): $670 M (+26.8% on a year ago)
- Profit (Jun 2026): $27.9 M
- Operating margin: 18.6% (+176.2 points on a year ago)
- ROE: −72%, FY25

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Chime Financial share price today? Chime Financial, Inc.'s share price was $30.18 at the close on 5 November 2026. It has been stalling near its high for 2 weeks. That is 26.6% above its average price over the last 200 trading days. In the last 52 weeks it traded between $17 and $34, and at that close it sat 79% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 14 weeks in a row. Over the last 1 year the share price moved −13% while the S&P 500 moved +23%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Chime Financial pay? Chime Financial, Inc. pays no dividend. In the last 12 reported quarters it declared no dividend per share, so there is no payout history to chart and no yield to show. Companies like this usually keep their earnings in the business, so the cash-flow sections show where that cash goes. ## Which stock lists is Chime Financial on? Chime Financial is on one of our US lists: US tech stocks. [US tech stocks](https://www.sectoralpha.in/us-tech-stocks)

## Is Chime Financial profitable? Chime Financial, Inc. earned $27.9 M of net profit in the Jun 2026 quarter. The full FY25 year was a loss of $1.0 B. That is 4.2% of the quarter's revenue. The same quarter a year earlier lost $923 M. 5 of the last 10 reported quarters were loss-making. ## How much revenue does Chime Financial make, and is it growing? Chime Financial, Inc. reported $670 M of revenue in the Jun 2026 quarter, +26.8% on the same quarter a year earlier. That is the 6th quarter in a row with growth on the year before. Over 3 years it has grown 29.4% a year on average. The last full year, FY25, came in at $2.2 B. The last four reported quarters add to $2.5 B. The quarterly figures for FY23 do not add up to the full-year total on file, so those quarters are left out of the charts and sums. FY25 revenue was $2.2 B, +30.7% on the year before. Recent pace: the last four quarters grew +26.5% on average, against 29.4% a year over the longer run, so this year is growing slower than its own long-run rate. ## How much of every $100 of sales does Chime Financial keep? Chime Financial, Inc.'s operating margin was 18.6% in the Jun 2026 quarter, 176.2 percentage points higher than the same quarter a year ago. Across 4 years it has been between −32.7% and 9.4%. The latest quarter is above every full year in that period. Why the margin moved: operating margin changed +176.2 percentage points on the year while gross margin changed +1.5 points. So the gain came mostly from costs below the gross margin, such as staff and overheads, measured against sales. ## Is Chime Financial's profit turning into cash? Chime Financial, Inc.'s cash-flow history is too short to judge how much of its profit turns into cash. In FY25 it brought in $52.8 M of operating cash against −$1.0 B of profit. After $19.9 M of spending on assets, $32.9 M was left over as free cash. Cash-flow figures here are yearly, because quarterly cash statements are not published, so this section changes once a year. What to look at next: the main use of cash is spending on assets. The next section checks what that spending is building. ## Where does Chime Financial's cash go? Chime Financial, Inc. does not report the customer, stock and supplier day counts a cash cycle needs, so this section looks at its spending on assets instead. It spent $35.2 M on assets over the last 3 years. Averaged over those years that is 0.5% of FY25 revenue a year. Nothing is estimated in place of the missing day counts, so no cash-cycle chart is drawn. Spending on assets: $35.2 M over the last 3 years. In short: most of the cash goes on covering the loss, not on new assets; spending on assets is small next to it. ## What is Chime Financial's P/E ratio, and how does it compare with its own history? Chime Financial, Inc.'s P/E is 151.0×, with too little history to compare. This compares the share price with the company’s own past. It does not say what the business is worth. In short: there is too little history to say whether the multiple is high or low for this company, so the earnings trend underneath matters more than the multiple. ## Is the Chime Financial business getting better or worse? Chime Financial, Inc.'s business trend cannot be read yet. There are fewer than eight usable quarters of growth figures, so there is not enough history to read the trend. This is based on 6 quarters of 1 measure, with some gaps. Why it matters: with too little history, we say so rather than guess a direction. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. The return figures here are yearly, not quarterly. They show level and direction only; they can support the growth lines but never decide the reading alone. There are fewer than eight usable quarters, so this page does not guess a direction from so little history. ## How much does Chime Financial earn on its capital? Chime Financial, Inc. earned a ROE of −72% in FY25. We cannot compare its return on capital used with its cost of capital from the data we have. It comes from a −46.2% net margin and 1.11× asset turnover (sales divided by assets). Why the return is what it is (FY25): a −46.2% net margin × 1.11× asset turnover × 1.40× leverage (assets divided by equity) ≈ −71.8% on equity. The margin does its share; borrowing plays a small part, so this return is earned, not borrowed. ## Does Chime Financial have too much debt? Chime Financial, Inc. has total debt of $181 M against shareholder equity of $1.4 B as of Jun 2026, so its debt is 0.13× its equity, which is very little. Year by year, that ratio went from 0.09 in FY22 to 0.10 in FY25. So the returns on this page come from the business, not from borrowed money. ## What is the Chime Financial shareholding pattern? 10.4% of Chime Financial, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 4.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Chime Financial from balance-sheet trouble? For Chime Financial, Inc., the Z-score is 8.50. A Z-score above about 3 is safe and below about 1.8 signals danger, so this is well clear of danger. It estimates how far the balance sheet is from trouble; it is not a forecast of failure. Why it matters: a Z-score of 8.50 is well clear of the danger zone, so the balance sheet is not the risk here. ## How does Chime Financial rank in its industry? There is no score against its industry: Chime Financial, Inc. is not among the largest members shown in this industry comparison for Software - Application. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Chime Financial compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Chime Financial in size? Chime Financial is the 31st largest of 142 Software - Application companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Bentley Systems, Incorporated, Guidewire Software, Inc. and Dynatrace, Inc. Just below it: Procore Technologies, Inc., Paycom Software, Inc. and HubSpot, Inc. ### Software - Application companies close in size

1. [Bentley Systems, Incorporated](https://www.sectoralpha.in/us/stocks/bsy) $13.9 billion
2. [Guidewire Software, Inc.](https://www.sectoralpha.in/us/stocks/gwre) $13.7 billion
3. [Dynatrace, Inc.](https://www.sectoralpha.in/us/stocks/dt) $12.5 billion
4. Chime Financial, Inc. $11.6 billion
5. [Procore Technologies, Inc.](https://www.sectoralpha.in/us/stocks/pcor) $11.5 billion
6. [Paycom Software, Inc.](https://www.sectoralpha.in/us/stocks/payc) $11.1 billion
7. [HubSpot, Inc.](https://www.sectoralpha.in/us/stocks/hubs) $10 billion

[All 142 Software - Application companies, largest first](https://www.sectoralpha.in/us/sectors/software-application#all-companies)

### Companies close in size in other industries

1. [Repligen Corporation](https://www.sectoralpha.in/us/stocks/rgen) $11.4 billion · Medical Instruments & Supplies
2. [Li Auto Inc.](https://www.sectoralpha.in/us/stocks/li) $11.4 billion · Auto Manufacturers
3. Chime Financial, Inc. $11.3 billion
4. [AGNC Investment Corp.](https://www.sectoralpha.in/us/stocks/agnc) $11.3 billion · REIT - Mortgage
5. [SailPoint, Inc.](https://www.sectoralpha.in/us/stocks/sail) $11.3 billion · Software - Infrastructure

## What else do people ask about Chime Financial? ### What were Chime Financial's latest quarterly results? Chime Financial, Inc. reported revenue of $670 M and net profit of $27.9 M for the Jun 2026 quarter. Earnings per share were $0.07. The operating margin was 18.6%, 176.2 percentage points higher than a year earlier (as of 5 November 2026). ### What is Chime Financial's market cap? Chime Financial, Inc.'s market capitalisation is $11.6 B at a stock price of $30.18. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is Chime Financial performing? Chime Financial, Inc.'s share price has been stalling near its high for 2 weeks. Over the past 13 weeks it has done better than the S&P 500, for 14 weeks running. This describes what the data did, not a rating (as of 5 November 2026). ### Will Chime Financial's stock price go up? This page does not forecast Chime Financial, Inc.'s stock price. What it shows instead: the stock price is $30.18, and it has been stalling near its high for 2 weeks. Nobody can reliably say which way a price will move, and this site does not try (as of 5 November 2026). ### Does Chime Financial have too much debt? No, Chime Financial, Inc. has little debt: its debt is 0.14× its equity. A year-by-year history of its borrowings is not in our data, so this uses the latest reading. So the returns on this page come from the business, not borrowed money (as of 5 November 2026). ### Where is Chime Financial in its business cycle? Chime Financial, Inc.'s FY25 operating margin was −27.4%, against a 4-year range of −32.7% to 9.4%: the low end of its own range, which is often where recoveries start. The latest quarter was 18.6%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the Chime Financial story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is Chime Financial a stock worth studying right now? What the numbers show: Chime Financial, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). ## Lists

- US tech stocks: https://www.sectoralpha.in/us-tech-stocks

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