Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The $8.51B market capitalization puts CHYM squarely in mid-cap range for its industry. 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
$8.51B
Beta
—
P/E (TTM)
—
P/E (Fwd)
13.87
EPS (TTM)
$-4.21
EPS (Fwd)
$1.61
ROE
-80.0%
ROA
-21.5%
Cash
$1.12B
Total Debt
$132.7M
Free CF
$654.0M
52W Change
-29.2%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $1.12B in cash comfortably exceeding the $132.7M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Annual free cash flow of $654.0M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of -80.0% points to negative capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Revenue has grown from $1.01B (2022) to $2.19B (2025), reflecting a 117% increase over the period.
With cash comfortably exceeding debt, CHYM has financial flexibility that may help navigate uncertain periods. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Chime Financial, Inc. and its sector.