# Chime Financial Inc. (CHYM) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $28.20, market value $10.7 billion.

## Valuation
- **P/E (trailing): 32.0×**. Chime Financial Inc. trades at 32.0× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 17.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 4.3×**. Each dollar of revenue is priced at 4.3×.
- **Price / book: 7.6×**. The shares trade at 7.6× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 2.9%** (5-yr avg 0.6%). Free cash flow equals 2.9% of the market value, above its five-year average of 0.6%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 3.1%**. The inverse of the P/E: 3.1% of the price is earned each year.

## Profitability
- **Gross margin: 88.7%**. Chime Financial Inc. keeps 88.7% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -2.1%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -46.2%**. The company reported a net loss over the last twelve months.
- **Return on equity: -72.1%**. Return on equity is negative because earnings are negative.
- **Return on assets: -0.9%**. Each dollar of assets produces -0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 30.7%**. Revenue grew 30.7% over the last year.
- **EPS growth (1 yr): -994.9%**. Earnings per share fell 994.9%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Chime Financial Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (22 analysts). 22 analysts cover Chime Financial Inc.; the consensus is strong_buy, with an average price target of $39.55 (+40% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 58.0%** (YTD 12.0%, 3-mo 13.0%). The shares are up 58.0% over twelve months including dividends.
- **From 52-week high: -20.7%** (77.6% above the low). Trading 21% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 2.14** (volatility 63%). Beta of 2.14 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CHYM · Page: https://foliofundamentals.com/stocks/chym

Not investment advice.