# Chime Financial Inc. (CHYM) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $33.76, market value $12.8 billion.

## Valuation
- **P/E (trailing): 6.3×**. Chime Financial Inc. trades at 6.3× trailing earnings. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 21.0×, higher than trailing, so analysts expect earnings to fall.
- **Price / sales: 5.2×**. Each dollar of revenue is priced at 5.2×.
- **Price / book: 9.1×**. The shares trade at 9.1× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 2.4%** (5-yr avg 0.6%). Free cash flow equals 2.4% 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: 15.9%**. The inverse of the P/E: 15.9% 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: buy** (20 analysts). 20 analysts cover Chime Financial Inc.; the consensus is buy, with an average price target of $34.80 (+3% 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): 37.0%** (YTD 34.1%, 3-mo 93.1%). The shares are up 37.0% over twelve months including dividends.
- **From 52-week high: -2.0%** (112.6% above the low). Trading within 5% of 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): 68**. An RSI of 68 is neutral.
- **Beta (1 yr): 2.22** (volatility 64%). Beta of 2.22 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.