Chime Financial, Inc. (CHYM) Key Metrics
CHYM valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $11.23B
- Enterprise value
- $9.07B
- P/E (TTM)
- 33.7
- Forward P/E
- 20.6
- PEG ratio
- —
- Price / sales
- 4.6
- Price / book
- 7.1
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- —
CHYM key metrics, 2022–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCHYM returns How much profit the business earns on the capital it uses.
CHYM per-share figures Results divided by the shares outstanding at year-end.
CHYM financial health Debt, liquidity and how easily interest is covered.
CHYM efficiency & capital use Working capital cycle and where the cash goes.
CHYM valuation history
CHYM returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CHYM debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CHYM cash returned to shareholders
CHYM price vs earnings per share
CHYM key metrics
2022–2025| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Valuation | ||||
| Market capitalization | $9.77B | — | — | — |
| Enterprise value | $8.85B | — | — | — |
| Price / sales | 4.5 | — | — | — |
| Price / book | 7.0 | — | — | — |
| Price / free cash flow | 297.0 | — | — | — |
| Price / operating cash flow | 185.1 | — | — | — |
| EV / sales | 4.0 | — | — | — |
| EV / free cash flow | 269.1 | — | — | — |
| Earnings yield | −10.3% | — | — | — |
| Free cash flow yield | 0.3% | — | — | — |
| Shareholder yield (dividends + buybacks) | 0.8% | — | — | — |
| Share price at fiscal year-end | $25.17 | — | — | — |
| Per share | ||||
| Revenue per share | $5.63 | $4.59 | $3.51 | $2.77 |
| Earnings per share | −$2.60 | −$0.07 | −$0.56 | −$1.29 |
| Operating cash flow per share | $0.14 | $0.18 | −$0.43 | −$1.19 |
| Free cash flow per share | $0.08 | $0.14 | −$0.51 | −$1.39 |
| Cash per share | $2.72 | $1.94 | $2.20 | $2.57 |
| Book value per share | $3.61 | $2.63 | $2.57 | $3.02 |
| Tangible book value per share | $3.54 | $2.56 | $2.57 | $3.02 |
| Capex per share | $0.05 | $0.04 | $0.08 | $0.20 |
| Debt per share | $0.35 | $0.26 | $0.29 | $0.28 |
| Shares outstanding | 388.2M | 364.4M | 364.4M | 364.4M |
| Change in shares outstanding | +6.5% | 0.0% | 0.0% | — |
| Returns & profitability | ||||
| Return on equity (ROE) | −85.5% | −2.7% | −19.9% | −42.7% |
| Return on invested capital (ROIC) | −197.6% | −16.7% | −73.8% | −143.3% |
| Return on assets (ROA) | −59.0% | −1.8% | −14.8% | −33.2% |
| Return on tangible assets | −52.1% | −1.8% | −15.4% | −33.2% |
| Free cash flow margin | 1.5% | 3.0% | −14.4% | −50.3% |
| Financial health | ||||
| Total debt | $134.7M | $96.3M | $104.9M | $100.8M |
| Cash & short-term investments | $1.05B | $706.6M | $800.6M | $938.0M |
| Net debt | −$919.4M | −$610.2M | −$695.7M | −$837.2M |
| Debt / equity | 0.10 | 0.10 | 0.11 | 0.09 |
| Debt / assets | 0.07 | 0.07 | 0.08 | 0.07 |
| Current ratio | 4.53 | 3.43 | 4.03 | 5.90 |
| Quick ratio | 4.53 | 3.43 | 4.03 | 5.90 |
| Working capital | $1.37B | $912.2M | $873.2M | $1.06B |
| Invested capital | $482.3M | $349.3M | $240.8M | $263.9M |
| Tangible asset value | $1.37B | $932.0M | $936.5M | $1.10B |
| Net current asset value | $1.19B | $785.5M | $778.1M | $954.6M |
| Graham net-net per share | $1.90 | $1.21 | $1.51 | $1.96 |
| Capital allocation | ||||
| Share buybacks (net) | $77.5M | $950,000 | $61,000 | $508,000 |
| Dividends + buybacks / free cash flow | 235.7% | 1.9% | — | — |
| Capex / revenue | 0.9% | 0.9% | 2.2% | 7.2% |
| Capex / operating cash flow | 37.7% | 22.6% | — | — |
| Capex / depreciation | 0.66 | 0.57 | 2.15 | 9.99 |
| Stock-based compensation / revenue | 49.0% | 1.8% | 2.0% | 2.8% |
| R&D / revenue | 42.8% | 18.5% | 20.3% | 24.0% |
| SG&A / revenue | 52.5% | 41.7% | 46.8% | 59.9% |
| Efficiency | ||||
| Days sales outstanding | 53.9 | 53.7 | 42.8 | 44.6 |
| Days payables outstanding | 44.0 | 51.0 | 35.7 | 35.3 |
| Cash conversion cycle (days) | 9.9 | 2.7 | 7.1 | 9.2 |
| Receivables turnover | 6.78 | 6.79 | 8.53 | 8.19 |
| Payables turnover | 8.29 | 7.16 | 10.24 | 10.33 |
| Asset turnover | 1.28 | 1.20 | 0.93 | 0.71 |
| Average receivables | $322.7M | $246.3M | $149.9M | $123.2M |
| Average payables | $37.3M | $29.0M | $21.5M | $20.8M |
| Intangibles / total assets | 1.4% | 1.9% | 0.0% | 0.0% |
Computed from CHYM's annual financial statements (latest annual report filed March 6, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CHYM valuation and financial ratios
Based on the latest twelve months, the trailing P/E is 33.7 and the forward P/E is 20.6. Chime Financial earned a return on equity of −85.5% and a return on invested capital of −197.6% in fiscal 2025. It ended the year with $134.7 million of debt and $1.1 billion in cash and short-term investments, a net cash position of $919.4 million. It returned $77.5 million to shareholders: $0 in dividends and $77.5 million in share buybacks, 236% of free cash flow.
See the CHYM income statement, the CHYM chart for price history, or the CHYM stock overview for the latest quote and news.
CHYM key metrics FAQ
What is Chime Financial's P/E ratio?
Chime Financial's trailing P/E ratio is 33.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 20.6. At the end of fiscal 2025 it was —.
What is Chime Financial's return on equity?
Chime Financial's return on equity (ROE) was −85.5% in fiscal 2025: net income of -$1.0 billion on average shareholders' equity of $1.2 billion.
What is Chime Financial's ROIC?
Chime Financial's return on invested capital was −197.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Chime Financial have?
Chime Financial had total debt of $134.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.10 and more cash than debt.
Does Chime Financial buy back its shares?
Yes. Chime Financial spent $77.5 million on net share repurchases in fiscal 2025 Shares outstanding changed +6.5% over the year, to 388.2M..
What is Chime Financial's free cash flow yield?
Chime Financial generated $32.9 million of free cash flow in fiscal 2025, a free cash flow yield of 0.3% on its market value at year-end ($9.8 billion).
What is Chime Financial's current ratio?
Chime Financial's current ratio was 4.53 at the end of fiscal 2025: current assets were 4.53 times current liabilities.