Valuation dashboard for Chime Financial, Inc. Class A Common Stock (CHYM) with P/E N/A, P/B 7.73, EV/EBITDA -1,746.9 and dividend yield 0.00%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Technology companies.
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. 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 an...
Analysis Summary
Trailing-twelve-month margins: gross margin 87.3%, operating margin -2.2%, net margin -0.8%.
At $28.20 (closing price, November 3, 2026), CHYM has negative trailing earnings (P/E not meaningful) and an ROE of -1.28%. Market capitalisation stands at $10.7B, placing it among large-cap names.
Balance sheet quality for CHYM: debt-to-equity ratio of 0.09, current ratio of 137.30 over the last 12 months. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| Price / Book | 7.73 |
| EV / EBITDA | -1,746.9 |
| Dividend Yield | 0.00% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| CHYM | Chime Financial, Inc. Class A Common Stock | $10.7B | 7.73 | -1.3% | |
| MA | Mastercard Incorporated | $567.2B | 33.85 | 85.27 | 252.9% |
| PYPL | PayPal Holdings, Inc. | $48.4B | 11.11 | 2.54 | 23.8% |
| PAYP | PayPay Corporation | $10.0B | 29.80 | 3.80 | 36.2% |
| DAVE | Dave Inc. | $4.0B | 20.41 | 19.26 | 84.4% |
| NU | Nu Holdings Ltd. | $56.1B | 15.69 | 4.26 | 30.3% |
| GPN | Global Payments Inc. | $25.9B | 1.10 | -4.1% |
Price
| Price | $28.20 (closing price, November 3, 2026) |
| Market Cap | $10.7B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | -1.28% |
| Return on Invested Capital | -2.55% |
| Return on Assets | -0.91% |
| Gross Margin | 87.26% |
| Operating Margin | -2.16% |
| Net Margin | -0.77% |
Related companies: MA · PYPL · PAYP · DAVE · NU · GPN
Explore sector: Technology · Software - Application
More sections of CHYM: Overview · Financials · Estimates · Technical · Ownership
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