CHYMChime Financial, Inc.
Is the business good?
4 of 9 health tests passed. That is the only one of 4 checks this filer's data supports, so take it as a single data point rather than a settled answer.
Mixed fundamental signals. Nine pass/fail tests of year-over-year health from the filings.
Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.
How good a business is CHYM?
Chime Financial, Inc. earns −12% on the capital it employs against a 9.0% cost of capital, so growth costs more than it returns.
Return on invested capital · cost of capital 9.0% · 21 points below what the capital costs: growth destroys value
- Operating margin
- −2.1%
Operating margin · Software - Application median 6.4% · 12 months to Q2 2026
- Share count, year on year
- +211%
Share count, year on year · shareholders own a smaller slice than a year ago
- R&D as % of revenue
- 19%
R&D as % of revenue
| Year | Operating margin |
|---|---|
| FY2023 | −18% |
| FY2024 | −3.7% |
| FY2025 | −48% |
Details›
- Gross margin12 months to Q2 2026
- 89%
- Operating margin12 months to Q2 2026
- −2.1%
- Net margin12 months to Q2 2026
- −0.74%
- Free cash flow margin
- 11%
- R&D as % of revenue
- 19%
- Revenue, trailing twelve months
- $2.46B
- Free cash flow, trailing twelve months
- $272M
- Net income, trailing twelve months
- −$18M
- Return on invested capitaloperating profit after tax ÷ debt + equity − cash
- −12%
Margins, capital and share counts from the statements as filed with the SEC; cash conversion is operating cash flow over operating profit after tax.
Software, Application
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