Chime Financial Inc
NASDAQ:CHYM
Profitability Summary
Chime Financial Inc's profitability score is 23/100. We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
Score
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.
Score
Score
Margins
Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.
Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.
Earnings Waterfall
Chime Financial Inc
|
Revenue
|
1B
|
|
Cost of Revenue
|
-127.5m
|
|
Gross Profit
|
919.4m
|
|
Operating Expenses
|
-1.8B
|
|
Operating Income
|
-921.5m
|
|
Other Expenses
|
-1.9m
|
|
Net Income
|
-923.4m
|
Margins Comparison
Chime Financial Inc Competitors
| Country | Company | Market Cap |
Gross Margin |
Operating Margin |
Net Margin |
||
|---|---|---|---|---|---|---|---|
| US |
C
|
Chime Financial Inc
NASDAQ:CHYM
|
9.3B USD |
88%
|
-88%
|
-88%
|
|
| US |
|
Block Inc
NYSE:XYZ
|
47.2B USD |
39%
|
9%
|
12%
|
|
| US |
N
|
NCR Atleos Corp
NYSE:NATL
|
2.9B USD |
25%
|
11%
|
3%
|
|
| BR |
|
CIELO SA Instituicao de Pagamento
F:28MA
|
1.8B EUR |
46%
|
25%
|
18%
|
|
| AU |
C
|
Cuscal Ltd
ASX:CCL
|
745.2m AUD |
59%
|
11%
|
6%
|
|
| IN |
|
Network People Services Technologies Ltd
NSE:NPST
|
38B INR |
100%
|
31%
|
26%
|
|
| IN |
|
One MobiKwik Systems Ltd
NSE:MOBIKWIK
|
22.6B INR |
77%
|
2%
|
2%
|
|
| UK |
|
Fintech Scion Ltd
OTC:FINR
|
198.7m USD |
-6%
|
-6 831%
|
-6 892%
|
|
| UK |
C
|
Cab Payments Holdings PLC
LSE:CABP
|
127.2m GBP |
49%
|
-42%
|
19%
|
|
| JP |
N
|
Netstars Co Ltd
TSE:5590
|
21.4B JPY |
77%
|
5%
|
7%
|
|
| JP |
T
|
Transaction Media Networks Inc
TSE:5258
|
17.6B JPY |
27%
|
-5%
|
-6%
|
Return on Capital
Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.
| Jun 30, 2025 | -64.7% |
| Mar 31, 2025 | 0% |
| Mar 31, 2024 | 0% |
| Dec 31, 2023 | 0% |
| Jun 30, 2025 | -48.5% |
| Mar 31, 2025 | 0% |
| Mar 31, 2024 | 0% |
| Dec 31, 2023 | 0% |
| Jun 30, 2025 | -59.7% |
| Mar 31, 2025 | 0.8% |
| Mar 31, 2024 | 0% |
| Dec 31, 2023 | 0% |
| Jun 30, 2025 | -121.8% |
| Mar 31, 2025 | 1.1% |
| Mar 31, 2024 | 0% |
| Dec 31, 2023 | 0% |
Return on Capital Comparison
Chime Financial Inc Competitors
| Country | Company | Market Cap | ROE | ROA | ROCE | ROIC | ||
|---|---|---|---|---|---|---|---|---|
| US |
C
|
Chime Financial Inc
NASDAQ:CHYM
|
9.3B USD |
-65%
|
-49%
|
-60%
|
-122%
|
|
| US |
|
Block Inc
NYSE:XYZ
|
47.2B USD |
14%
|
8%
|
8%
|
5%
|
|
| US |
N
|
NCR Atleos Corp
NYSE:NATL
|
2.9B USD |
44%
|
2%
|
12%
|
6%
|
|
| BR |
|
CIELO SA Instituicao de Pagamento
F:28MA
|
1.8B EUR |
15%
|
2%
|
11%
|
7%
|
|
| AU |
C
|
Cuscal Ltd
ASX:CCL
|
745.2m AUD |
8%
|
1%
|
11%
|
3%
|
|
| IN |
|
Network People Services Technologies Ltd
NSE:NPST
|
38B INR |
60%
|
42%
|
69%
|
97%
|
|
| IN |
|
One MobiKwik Systems Ltd
NSE:MOBIKWIK
|
22.6B INR |
9%
|
2%
|
8%
|
7%
|
|
| UK |
|
Fintech Scion Ltd
OTC:FINR
|
198.7m USD |
-111%
|
-102%
|
-110%
|
-113%
|
|
| UK |
C
|
Cab Payments Holdings PLC
LSE:CABP
|
127.2m GBP |
10%
|
1%
|
-17%
|
-4%
|
|
| JP |
N
|
Netstars Co Ltd
TSE:5590
|
21.4B JPY |
4%
|
1%
|
3%
|
13%
|
|
| JP |
T
|
Transaction Media Networks Inc
TSE:5258
|
17.6B JPY |
-8%
|
-4%
|
-5%
|
-6%
|
Free Cash Flow
Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.
If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.
| Jun 30, 2025 | -5.3m |
| Mar 31, 2025 | 0 |
| Mar 31, 2024 | 0 |
| Dec 31, 2023 | 0 |
| Jun 30, 2025 | -22.3m |
| Mar 31, 2025 | 0 |
| Mar 31, 2024 | 0 |
| Dec 31, 2023 | 0 |
| Jun 30, 2025 | -27.6m |
| Mar 31, 2025 | 0 |
| Mar 31, 2024 | 0 |
| Dec 31, 2023 | 0 |
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