Chime Financial, Inc.
CHYMTechnologyNASDAQSoftware - Application
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Daily timeframeHeadquartered within the technology sector, Chime Financial, Inc. focuses on Software - Application services and products. Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. At a $6.90B market cap, Chime Financial, Inc. ranks as a mid-cap company within technology. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations.
Market Cap
$6.90B
Beta
—
P/E (TTM)
—
P/E (Fwd)
15.74
EPS (TTM)
$-4.34
EPS (Fwd)
$1.15
ROE
-80.0%
ROA
-21.5%
Cash
$1.12B
Total Debt
$132.7M
Free CF
$654.0M
52W Change
-51.2%
Annual Financials
Cash vs Debt
Chime Financial, Inc. holds $1.12B in cash against $132.7M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. The company generates $654.0M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at -80.0%, which is negative for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Revenue has grown from $1.01B (2022) to $2.19B (2025), reflecting a 117% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing CHYM's risk profile alongside its fundamentals and technical indicators provides a more complete picture.