# Chime Financial, Inc. Class A Common Stock (CHYM) — Stock CV

Chime Financial, Inc. is a $11.4B financial services company. Revenue grew 26.4% over the last year, and it currently loses money.

> Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks.

## Identity

- **Ticker**: CHYM
- **Sector**: Financial Services
- **Industry**: Finance Services
- **Headquarters**: SAN FRANCISCO, CA
- **Employees**: 1 519
- **Website**: https://www.chime.com
- **Market cap**: $11.4B
- **Last price**: $30.08
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $2.46B
- **Net income**: -$18.2M
- **Free cash flow**: $312M
- **Net cash**: $919M
- **Revenue growth (YoY)**: 26.4%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 45 |
| Growth | 25 |
| Profitability | 0 |
| Health | 75 |
| Quality | 40 |
| Moat | 30 |

## Qualifications (beginner checklist) — 5 of 9 passed

- [x] Revenue growing — +26.4% YoY
- [ ] Profitable — -$18.2M TTM
- [ ] Profit growing — -3884.9% YoY
- [x] Generates cash — $312M TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $11.4B market cap
- [x] Not printing shares — +2.0% shares over ~5y
- [ ] Proven track record — 0/4 profitable years
- [ ] Financially stable — health score 50/100

## Experience (career milestones)

- **2026** — Chime launched Chime Invest, which integrates commission-free stock investments and exchange-traded…
- **2026** — Chime agreed to acquire Stride Bank, N.A., its banking partner since 2019, for $590 million in cash
- **2025** — Chime retired the Credit Builder card and introduced the Chime Card, a no-annual-fee secured…
- **2025** — It became publicly traded on the Nasdaq in June 2025
- **2024** — Chime launched MyPay, an earned wage access (EWA) product that allows users to access up to $500 of wages…
- **FY2022** — Revenue already above $1B: $1.01B in first reported year
- **2022** — According to a report by Forbes, Chime had planned to hold an initial public offering (IPO) in March 2022
- **2020** — Chime launched Credit Builder, a credit card designed to help consumers build their credit history
- **2019** — Chime launched SpotMe, a fee-free overdraft service that allows customers to overdraw their…
- **Apr 15, 2014** — The company launched on April 15, 2014, on the Dr
- **2012** — Chime was founded in 2012 by Chris Britt and Ryan King and began services in 2014

## Strengths

- High gross margin (88.7%)
- Revenue growing 26.4% year over year
- Net cash position after subtracting debt from cash

## Watch-outs

- Not profitable — 0.7% net margin
- Loss-making in 4 of the recent years
- Short reporting history — trends are less reliable

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2022 | $1.01B | -$470M | -$483M |
| FY2023 | $1.28B | -$203M | -$167M |
| FY2024 | $1.67B | -$25.3M | $59.3M |
| FY2025 | $2.19B | -$1.01B | $32.9M |

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Source: https://stockcv.com/CHYM — derived from company filings; may be delayed or incomplete. Information, not investment advice.