Latest Ratios: P/E Ratio -7.9x · EV/EBITDA N/A · ROE -85.5%. (2022–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Market Cap | $8.5B | $59.5B | — | — | — |
| Enterprise Value | $8.1B | $59.1B | — | — | — |
| P/E Ratio → | -7.94 | — | — | — | — |
| P/S Ratio | 3.87 | 27.20 | — | — | — |
| P/B Ratio | 35.60 | 42.43 | — | — | — |
| P/FCF | 257.14 | 1807.96 | — | — | — |
| P/OCF | 160.25 | 1126.74 | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| EV / Revenue | — | 27.04 | — | — | — |
| EV / EBITDA | — | — | — | — | — |
| EV / EBIT | — | — | — | — | — |
| EV / FCF | — | 1797.88 | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Gross Margin | 85.9% | 85.9% | 87.6% | 82.8% | 78.7% |
| Operating Margin | -47.6% | -47.6% | -3.7% | -18.4% | -47.5% |
| Net Profit Margin | -46.2% | -46.2% | -1.5% | -15.9% | -46.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| ROE | -85.5% | -85.5% | -2.7% | -19.9% | -42.7% |
| ROA | -59.0% | -59.0% | -1.8% | -14.8% | -33.2% |
| ROIC | -60.2% | -60.2% | -4.4% | -15.8% | -29.9% |
| ROCE | -78.1% | -78.1% | -5.9% | -21.1% | -39.8% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Debt / Equity | 0.10 | 0.10 | 0.10 | 0.11 | 0.09 |
| Debt / EBITDA | — | — | — | — | — |
| Net Debt / Equity | — | -0.24 | -0.25 | -0.14 | -0.09 |
| Net Debt / EBITDA | — | — | — | — | — |
| Debt / FCF | — | -10.08 | -4.86 | — | — |
| Interest Coverage | — | — | — | — | — |
Net cash position: cash ($466M) exceeds total debt ($135M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Current Ratio | 4.53 | 4.53 | 3.43 | 4.03 | 5.90 |
| Quick Ratio | 4.53 | 4.53 | 3.43 | 4.03 | 5.90 |
| Cash Ratio | 1.20 | 1.20 | 0.90 | 0.83 | 0.94 |
| Asset Turnover | — | 1.11 | 1.15 | 0.97 | 0.71 |
| Inventory Turnover | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — |
| FCF Yield | 0.4% | 0.1% | — | — | — |
| Buyback Yield | 0.9% | — | — | — | — |
| Total Shareholder Yield | 0.9% | — | — | — | — |
| Shares Outstanding | — | $2.4B | $364M | $364M | $364M |
Regulatory interchange fee compression
With a P/B ratio of 34.25, Chime is priced at a significant premium compared to traditional regional banks, suggesting that investors are valuing the firm as a high-growth software platform rather than a depository institution, based on the company's reported financial metrics and current market pricing.
The elevated P/B multiple implies that the market expects substantial future scaling of the user base and monetization of transaction data. However, given the lack of consistent profitability, this valuation appears highly sensitive to growth deceleration and potential regulatory headwinds that could compress interchange margins.
As reported in recent financial statements, Chime's ROE has fluctuated from a negative 76.6% in 2025Q2 to a positive 3.8% in 2026Q1, highlighting that profitability is currently driven by erratic operating leverage rather than a stable net interest margin or diversified income streams.
The absence of a traditional interest-earning loan book means that profitability is entirely dependent on interchange volume and cost control. The extreme swings in ROE suggest that the firm is still in a high-burn phase where marketing and platform development costs frequently overwhelm transaction-based revenue.
Based on quarterly filings, the efficiency ratio has shown extreme volatility, ranging from 2.6% in 2025Q2 to 99.1% in 2025Q3, which indicates that the firm has yet to achieve a stable operating leverage profile while aggressively pursuing market share through heavy platform investment.
The high efficiency ratio in recent quarters suggests that the cost of acquiring and servicing users is currently consuming nearly all generated revenue. Investors should monitor whether the firm can stabilize these costs as the user base matures, as the current model appears structurally vulnerable to high fixed operating expenses.
According to the company's reported figures, the equity-to-assets ratio of 0.74 as of 2026Q1 provides a substantial cushion, maintaining a capital position that appears to offer significant protection against ongoing operating losses and potential future regulatory capital requirements for its liquidity-advancing features.
While the firm maintains a healthy equity base, the lack of a traditional bank charter means these capital ratios are not directly comparable to regulated peers. The current capital structure appears designed to support growth and absorb credit-like losses from the SpotMe feature rather than to satisfy standard regulatory capital adequacy mandates.
The P/E ratio is the most commonly misapplied metric for Chime, as the firm's history of significant operating losses and heavy investment spending renders earnings-based valuation largely meaningless for assessing the underlying health of its transaction-based business model.
Using P/E to value a firm in a 'blitzscaling' phase obscures the reality that current losses are a strategic choice to capture market share. Analysts should instead focus on P/S or user-based metrics to evaluate the firm's progress, as P/E volatility from non-recurring expenses and marketing spend provides little insight into long-term franchise value.
Includes 30+ ratios · 4 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying CHYM stock.
Chime Financial, Inc. Class A Common Stock's current P/E ratio is -7.9x. This places it at the 50th percentile of its historical range.
Chime Financial, Inc. Class A Common Stock's return on equity (ROE) is -85.5%. The historical average is -37.7%.
Based on historical data, Chime Financial, Inc. Class A Common Stock is trading at a P/E of -7.9x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Chime Financial, Inc. Class A Common Stock has 85.9% gross margin and -47.6% operating margin.