Chime Financial, Inc. Class A Common Stock
Chime Financial, Inc. Class A Common Stock Fundamental Analysis
Chime Financial, Inc. Class A Common Stock (CHYM) shows moderate financial fundamentals with a PE ratio of -7.70, profit margin of -46.18%, and ROE of -76.87%. The company generates $2.2B in annual revenue with strong year-over-year growth of 30.69%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -62.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CHYM's fundamental strength across five key dimensions:
Efficiency Score
WeakCHYM struggles to generate sufficient returns from assets.
Valuation Score
ModerateCHYM shows balanced valuation metrics.
Growth Score
ModerateCHYM shows steady but slowing expansion.
Financial Health Score
ExcellentCHYM maintains a strong and stable balance sheet.
Profitability Score
WeakCHYM struggles to sustain strong margins.
Key Financial Metrics
Is CHYM Expensive or Cheap?
P/E Ratio
CHYM trades at -7.70 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CHYM's PEG of 2.74 indicates potential overvaluation.
Price to Book
The market values Chime Financial, Inc. Class A Common Stock at 5.55 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -8.38 times EBITDA. This is generally considered low.
How Well Does CHYM Make Money?
Net Profit Margin
For every $100 in sales, Chime Financial, Inc. Class A Common Stock keeps $-46.18 as profit after all expenses.
Operating Margin
Core operations generate -47.56 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-76.87 in profit for every $100 of shareholder equity.
ROA
Chime Financial, Inc. Class A Common Stock generates $-51.41 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Chime Financial, Inc. Class A Common Stock generates limited operating cash flow of $25.32M, signaling weaker underlying cash strength.
Free Cash Flow
Chime Financial, Inc. Class A Common Stock generates weak or negative free cash flow of $-6.08M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.02 in free cash annually.
FCF Yield
CHYM converts -0.08% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-7.70
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.74
vs 25 benchmark
P/B Ratio
Price to book value ratio
5.55
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.60
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.53
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.77
vs 25 benchmark
ROA
Return on assets percentage
-0.51
vs 25 benchmark
ROCE
Return on capital employed
-0.66
vs 25 benchmark
How CHYM Stacks Against Its Sector Peers
| Metric | CHYM Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -7.70 | 18.50 | Better (Cheaper) |
| ROE | -76.87% | 809.00% | Weak |
| Net Margin | -46.18% | 2211.00% | Weak |
| Debt/Equity | 0.09 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 4.53 | 691.82 | Strong Liquidity |
| ROA | -51.41% | -24320.00% (disorted) | Weak |
CHYM outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Chime Financial, Inc. Class A Common Stock's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-66.57%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
66.87%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
101.88%
Industry Style: Value, Dividend, Cyclical
High Growth