Chime Financial, Inc. Class A (CHYM) Ratios

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Chime Financial, Inc. Class A Ratios

CHYM's free cash flow for Q4 2025 was $0.81. For the 2025 fiscal year, CHYM's free cash flow was decreased by $ and operating cash flow was $-0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23
Liquidity Ratios
Current Ratio	4.53	4.53	3.43	4.03
Quick Ratio	4.53	4.53	3.43	4.03
Cash Ratio	1.20	1.20	0.90	0.83
Solvency Ratio	-1.74	-1.74	<0.01	-0.50
Operating Cash Flow Ratio	0.14	0.14	0.17	-0.54
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00
Net Current Asset Value	$ 1.19B	$ 1.19B	$ 785.52M	$ 778.10M
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.07	0.08
Debt-to-Equity Ratio	0.10	0.10	0.10	0.11
Debt-to-Capital Ratio	0.09	0.09	0.09	0.10
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.00
Financial Leverage Ratio	1.40	1.40	1.52	1.41
Debt Service Coverage Ratio	0.00	0.00	0.00	0.00
Interest Coverage Ratio	0.00	0.00	0.00	0.00
Debt to Market Cap	0.00	0.00	0.00	0.00
Interest Debt Per Share	0.36	0.06	0.26	0.29
Net Debt to EBITDA	0.34	0.34	6.55	0.61
Profitability Margins
Gross Profit Margin	85.87%	85.87%	87.60%	82.81%
EBIT Margin	-46.15%	-46.15%	-3.72%	-18.44%
EBITDA Margin	-44.77%	-44.77%	-2.20%	-17.43%
Operating Profit Margin	-47.56%	-47.56%	-3.72%	-18.44%
Pretax Profit Margin	-46.15%	-46.15%	-1.36%	-15.88%
Net Profit Margin	-46.18%	-46.18%	-1.51%	-15.89%
Continuous Operations Profit Margin	-46.18%	-46.18%	-1.51%	-15.89%
Net Income Per EBT	100.08%	100.08%	111.48%	100.12%
EBT Per EBIT	97.03%	97.03%	36.55%	86.08%
Return on Assets (ROA)	-51.41%	-51.41%	-1.73%	-15.39%
Return on Equity (ROE)	-76.87%	-72.05%	-2.64%	-21.70%
Return on Capital Employed (ROCE)	-65.96%	-65.96%	-5.73%	-22.86%
Return on Invested Capital (ROIC)	-65.49%	-65.49%	-5.64%	-22.59%
Return on Tangible Assets	-52.14%	-52.14%	-1.73%	-15.39%
Earnings Yield	-11.92%	-1.70%	-0.19%	-1.50%
Efficiency Ratios
Receivables Turnover	8.48	8.48	5.30	7.24
Payables Turnover	7.99	7.99	5.79	9.92
Inventory Turnover	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.30	12.30	11.78	8.12
Asset Turnover	1.11	1.11	1.15	0.97
Working Capital Turnover Ratio	1.58	1.92	1.87	1.33
Cash Conversion Cycle	-2.64	-2.64	5.87	13.62
Days of Sales Outstanding	43.04	43.04	68.92	50.40
Days of Inventory Outstanding	0.00	0.00	0.00	0.00
Days of Payables Outstanding	45.69	45.69	63.05	36.78
Operating Cycle	43.04	43.04	68.92	50.40
Cash Flow Ratios
Operating Cash Flow Per Share	0.14	0.02	0.18	-0.43
Free Cash Flow Per Share	0.09	0.01	0.14	-0.51
CapEx Per Share	0.06	<0.01	0.04	0.08
Free Cash Flow to Operating Cash Flow	0.61	0.62	0.77	1.18
Dividend Paid and CapEx Coverage Ratio	2.55	2.65	4.43	-5.63
Capital Expenditure Coverage Ratio	2.55	2.65	4.43	-5.63
Operating Cash Flow Coverage Ratio	0.39	0.39	0.67	-1.49
Operating Cash Flow to Sales Ratio	0.02	0.02	0.04	-0.12
Free Cash Flow Yield	0.37%	0.06%	0.37%	-1.36%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-8.39	-58.88	-533.60	-66.55
Price-to-Sales (P/S) Ratio	3.96	27.20	8.08	10.58
Price-to-Book (P/B) Ratio	6.04	42.43	14.09	14.44
Price-to-Free Cash Flow (P/FCF) Ratio	269.66	1.81K	272.27	-73.34
Price-to-Operating Cash Flow Ratio	160.52	1.13K	210.85	-86.36
Price-to-Earnings Growth (PEG) Ratio	<0.01	-0.02	6.09	1.18
Price-to-Fair Value	6.04	42.43	14.09	14.44
Enterprise Value Multiple	-8.50	-60.40	-360.65	-60.08
Enterprise Value	8.33B	59.14B	13.28B	13.39B
EV to EBITDA	-8.50	-60.40	-360.65	-60.08
EV to Sales	3.81	27.04	7.94	10.47
EV to Free Cash Flow	259.33	1.80K	267.41	-72.60
EV to Operating Cash Flow	157.75	1.12K	207.08	-85.50
Tangible Book Value Per Share	3.66	0.58	2.63	2.57
Shareholders’ Equity Per Share	3.73	0.59	2.63	2.57
Tax and Other Ratios
Effective Tax Rate	>-0.01	>-0.01	-0.11	>-0.01
Revenue Per Share	5.82	0.93	4.59	3.51
Net Income Per Share	-2.69	-0.43	-0.07	-0.56
Tax Burden	1.00	1.00	1.11	1.00
Interest Burden	1.00	1.00	0.37	0.86
Research & Development to Revenue	0.43	0.43	0.19	0.20
SG&A to Revenue	0.52	0.52	0.42	0.12
Stock-Based Compensation to Revenue	0.08	0.49	0.02	0.02
Income Quality	-0.05	-0.05	-2.53	0.77

Currency in USD