profit from every $100 of sales.
$0$100
Chime Financial
$33.55+1.57% today
+77.1% in 1 year
1-year low $16.441-year high $34.55
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Chime Financial sold, what it kept, and what it did with the cash.
Sales went from $1.01 billion in 2022 to $2.19 billion in 2025, with -$1.01 billion of profit last year.
SalesProfit
Chime Financial handed back more cash to shareholders than it generated last year.
Buybacks $78M
Free cash flow 2025$24M
Bought back its own shares$78M
Paid as dividends–
Cash vs. debt$466M vs. $135M
Chime Financial vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Chime Financial | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Chime Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,009 | 1,278 | 1,673 | 2,187 | |
| 794 | 1,059 | 1,466 | 1,924 | |
| -479 | -236 | -62 | -1,040 | |
| -471 | -223 | -37 | -1,010 | |
| -470 | -203 | -25 | -1,010 | |
| -1.41 | -0.60 | -0.07 | -4.27 | |
| 78.7% | 82.8% | 87.6% | 88.0% | |
| -47.5% | -18.4% | -3.7% | -47.6% | |
| -46.6% | -15.9% | -1.5% | -46.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,418 | 1,320 | 1,461 | 1,965 |
| Cash | 203 | 240 | 338 | 466 |
| Total debt | 101 | 105 | 96 | 135 |
| Total liabilities | 317 | 384 | 502 | 563 |
| 1,101 | 937 | 960 | 1,402 | |
| 336 | 336 | 364 | 236 | |
| -31.5% | -17.9% | -4.7% | -53.5% | |
| -42.7% | -21.7% | -2.6% | -72.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| -434 | -157 | 64 | 53 | |
| 73 | 28 | 14 | 29 | |
| -507 | -184 | 50 | 24 | |
| Dividends paid | – | – | – | – |
| 1 | 0 | 1 | 78 | |
| 28 | 26 | 30 | 1,071 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- 199.3×
- –
- 4.7×
- 5.9×
- -7.8%
- 0.0%
Profitability
- -46.2%
- -62.4%
- -31.7%
- -67.9%
- -49.7%
Growth
- +29.4%
- –
- –
- +86.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 1%of 854
Bottom 3%of 733
Top 16%of 878
Bottom 27%of 929
What analysts expect
- Average price target
- $29.67
- Range
- $29.00 – $30.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 6, 2026 | 0.13 | 0.03 | +333.3% |
| Feb 25, 2026 | -0.12 | -0.20 | +40.0% |
| Nov 5, 2025 | -0.15 | -0.24 | +38.4% |
| Aug 7, 2025 | -7.29 | -4.85 | −50.3% |
| Mar 31, 2025 | 0.04 | – | – |
| Dec 31, 2024 | -0.05 | – | – |
| Sep 30, 2024 | -0.06 | – | – |
| Mar 31, 2024 | 0.04 | – | – |
News
Chime forecasts Q4 revenue $757M-$767M as it targets Stride close in H1 2027Seeking Alpha · Nov 5, 2026Chime Financial opens new office in New YorkSeeking Alpha · Sep 16, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
34No pass
Benjamin Graham
41No pass
Philip Fisher
46No pass
Peter Lynch
73Pass
Joel Greenblatt
2No pass
Charlie Munger
33No pass
Terry Smith
33No pass
Questions about Chime Financial
Is Chime Financial a good stock to buy?
A business with weak numbers that is not profitable yet. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Chime Financial AI analysis
What does Chime Financial do?
Chime is a mobile-first fintech platform offering fee-free banking services-such as checking, savings, early paycheck access, and overdraft protection-via partnerships with FDIC-insured banks. It is in Banks - Regional, based in San Francisco, CA, United States, with 1,519 employees.
Does Chime Financial pay a dividend?
No. Chime Financial does not pay a dividend at the moment; in 2025 it returned $77.5 million to shareholders by buying back its own shares.
Is Chime Financial stock halal?
No. Chime Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Chime Financial stock done over the past year?
Up 77.1% over the past twelve months, to $33.55. It traded between $16.44 and $34.55 and is 2.9% below its high.
Who are Chime Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Chime Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.