CHYM - Chime Financial, Inc. Class A Common Stock
Price:
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--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$30.00
DETAILS
HIGH:
$31.00
LOW:
$29.00
MEDIAN:
$30.00
CONSENSUS:
$30.00
UPSIDE:
68.54%
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Revenue | ||||
| Revenue | 2,186.8 | 1,673.3 | 1,278.5 | 1,008.8 |
| Cost of Revenue | 309.0 | 207.5 | 219.7 | 214.7 |
| Gross Profit | 1,877.7 | 1,465.8 | 1,058.7 | 794.2 |
| Operating Expenses | ||||
| R&D Expenses | 934.9 | 309.6 | 259.0 | 242.4 |
| SG&A Expenses | 1,147.5 | 697.0 | 598.8 | 603.9 |
| Other Expenses | 835.3 | 521.4 | 436.8 | 426.5 |
| Operating Expenses | 2,917.7 | 1,528.0 | 1,294.5 | 1,272.9 |
| Operating Income | ||||
| Operating Income | (1,040.0) | (62.2) | (235.8) | (478.7) |
| Interest Expense | 0 | 0 | 0 | 0 |
| Interest Income | 0 | 0 | 0 | 0 |
| Profitability | ||||
| EBITDA | (979.1) | (36.8) | (222.8) | (471.4) |
| EBIT | (1,009.1) | (62.2) | (235.8) | (478.7) |
| Income Before Tax | (1,009.1) | (22.7) | (203.0) | (470.6) |
| Income Tax Expense | 0.8 | 2.6 | 0.2 | (0.3) |
| Net Income | (1,009.9) | (25.3) | (203.2) | (470.3) |
| Per Share Data | ||||
| EPS (Basic) | -2.66 | -0.07 | -0.56 | -1.29 |
| EPS (Diluted) | -2.66 | -0.07 | -0.56 | -1.29 |
| Shares Outstanding | 2,362.7 | 364.4 | 364.4 | 364.4 |
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Current Assets | ||||
| Cash & Cash Equivalents | 466.3 | 337.7 | 239.7 | 203.4 |
| Short-Term Investments | 587.8 | 368.9 | 560.9 | 734.6 |
| Net Receivables | 329.5 | 316.0 | 176.5 | 123.2 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 372.5 | 264.5 | 184.7 | 210.2 |
| Total Current Assets | 1,756.0 | 1,287.0 | 1,161.8 | 1,271.3 |
| Non-Current Assets | ||||
| Property, Plant & Equipment | 177.7 | 142.0 | 157.5 | 146.2 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 30.8 | 32.0 | 0.9 | 0.2 |
| Total Non-Current Assets | 208.6 | 174.0 | 158.4 | 146.4 |
| Total Assets | 1,964.6 | 1,461.0 | 1,320.3 | 1,417.8 |
| Current Liabilities | ||||
| Account Payables | 38.7 | 35.8 | 22.1 | 20.8 |
| Short-Term Debt | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 245.9 | 215.0 | 155.2 | 119.6 |
| Total Current Liabilities | 387.9 | 374.8 | 288.7 | 215.5 |
| Non-Current Liabilities | ||||
| Long-Term Debt | 0 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 51.7 | 46.1 | 2.2 | 6.7 |
| Total Non-Current Liabilities | 175.0 | 126.7 | 95.1 | 101.2 |
| Total Liabilities | 562.9 | 501.5 | 383.7 | 316.7 |
| Stockholders' Equity | ||||
| Common Stock | 0.0 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | (3,374.1) | (2,364.2) | (2,338.8) | (2,135.6) |
| Accumulated Other Comprehensive Income | 0.2 | 0.2 | 0.7 | (6.8) |
| Total Stockholders' Equity | 1,401.7 | 959.5 | 936.5 | 1,101.0 |
| Total Liabilities & Equity | 1,964.6 | 1,461.0 | 1,320.3 | 1,417.8 |
| Debt Metrics | ||||
| Total Debt | 134.7 | 96.3 | 104.9 | 100.8 |
| Net Debt | (331.6) | (241.4) | (134.9) | (102.6) |
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Operating Activities | ||||
| Net Income | (1,009.9) | (25.3) | (203.2) | (470.3) |
| Depreciation & Amortization | 24.9 | 25.4 | 12.9 | 7.3 |
| Stock-Based Compensation | 1,070.9 | 29.8 | 26.0 | 28.4 |
| Change in Working Capital | (234.3) | (104.2) | (136.7) | (158.9) |
| Other Non-Cash Items | 201.3 | 138.5 | 144.4 | 159.4 |
| Operating Cash Flow | 52.8 | 64.1 | (156.6) | (434.1) |
| Investing Activities | ||||
| Capital Expenditure | (19.9) | (14.5) | (27.8) | (72.9) |
| Acquisitions | 0 | (13.3) | 0 | 0 |
| Purchases of Investments | (5,675.1) | (497.6) | (610.7) | (426.7) |
| Sales/Maturities of Investments | 521.2 | 701.5 | 805.5 | 650.2 |
| Other Investing Activities | 4,884.0 | (140.1) | (17.3) | (24.2) |
| Investing Cash Flow | (289.7) | 45.7 | 167.0 | 150.5 |
| Financing Activities | ||||
| Net Debt Issuance | 0 | 0 | 0 | 0 |
| Stock Repurchased | (77.5) | (0.9) | (0.1) | (0.5) |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Other Financing Activities | (350.5) | 1.4 | 0.9 | 1.5 |
| Financing Cash Flow | 367.7 | 0.5 | 0.8 | 1.0 |
| Cash Position | ||||
| Net Change in Cash | 130.8 | 110.3 | 11.3 | (282.6) |
| Cash at Beginning | 350 | 239.7 | 228.5 | 511.1 |
| Cash at End | 480.8 | 350 | 239.7 | 228.5 |
| Free Cash Flow | 32.9 | 49.7 | (184.4) | (507.0) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | 2,186.8 | 1,673.3 | 1,278.5 | 1,008.8 |
| Gross Profit | 1,877.7 | 1,465.8 | 1,058.7 | 794.2 |
| Operating Income | (1,040.0) | (62.2) | (235.8) | (478.7) |
| Net Income | (1,009.9) | (25.3) | (203.2) | (470.3) |
| EPS (Diluted) | -2.66 | -0.07 | -0.56 | -1.29 |
| Balance Sheet | ||||
| Cash & Equivalents | 466.3 | 337.7 | 239.7 | 203.4 |
| Total Assets | 1,964.6 | 1,461.0 | 1,320.3 | 1,417.8 |
| Total Debt | 134.7 | 96.3 | 104.9 | 100.8 |
| Stockholders' Equity | 1,401.7 | 959.5 | 936.5 | 1,101.0 |
| Cash Flow | ||||
| Operating Cash Flow | 52.8 | 64.1 | (156.6) | (434.1) |
| Capital Expenditure | (19.9) | (14.5) | (27.8) | (72.9) |
| Free Cash Flow | 32.9 | 49.7 | (184.4) | (507.0) |