CHYM
VENTE TOTALE: 20 000 titres (~661 866,00 $ US)
- Insiders
- Marshall Cynthia
- Total bought
- —
- Total sold
- $661,866
- Last activity
- 2026-09-11
- Last synced
-
2026-09-15 10:12:06
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signal Scored 2026-09-14
CHYM presents a mixed profile: the Stride Bank acquisition is a meaningful strategic catalyst that could structurally improve funding costs and support raised guidance, but the company's severely deteriorating…
The first sentence of the analysis written for CHYM on 2026-09-14 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Gross Profit Margin | 85.9% | 87.6% | 82.8% | 78.7% | |
| Ebit Margin | -46.1% | -3.7% | -18.4% | -47.5% | |
| Ebitda Margin | -44.8% | -2.2% | -17.4% | -46.7% | |
| Operating Profit Margin | -47.6% | -3.7% | -18.4% | -47.5% | |
| Pretax Profit Margin | -46.1% | -1.4% | -15.9% | -46.6% | |
| Continuous Operations Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Net Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Bottom Line Profit Margin | -46.2% | -1.5% | -15.9% | -46.6% | |
| Current Ratio | 4.527 | 3.434 | 4.025 | 5.899 | |
| Quick Ratio | 4.527 | 3.434 | 4.025 | 5.899 | |
| Solvency Ratio | -1.741 | 0.000 | -0.496 | -1.462 | |
| Cash Ratio | 1.202 | 0.901 | 0.831 | 0.944 | |
| Price To Earnings Ratio | -9.427 | -533.190 | -66.268 | -28.767 | |
| Price To Earnings Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Forward Price To Earnings Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Price To Earnings Diluted Ratio | -9.681 | -533.190 | -66.268 | -28.767 | |
| Price To Earnings Diluted Growth Ratio | -0.003 | 6.089 | 1.171 | 0.000 | |
| Price To Book Ratio | 6.801 | 14.094 | 14.441 | 12.283 | |
| Price To Sales Ratio | 4.359 | 8.082 | 10.578 | 13.405 | |
| Price To Free Cash Flow Ratio | 289.824 | 272.265 | -73.335 | -26.672 | |
| Price To Operating Cash Flow Ratio | 180.621 | 210.846 | -86.361 | -31.151 | |
| Debt To Assets Ratio | 0.069 | 0.066 | 0.079 | 0.071 | |
| Debt To Equity Ratio | 0.096 | 0.100 | 0.112 | 0.092 | |
| Debt To Capital Ratio | 0.088 | 0.091 | 0.101 | 0.084 | |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 1.402 | 1.523 | 1.410 | 1.288 | |
| Working Capital Turnover Ratio | 1.918 | 1.874 | 1.326 | 0.000 | |
| Operating Cash Flow Ratio | 0.136 | 0.171 | -0.543 | -2.014 | |
| Operating Cash Flow Sales Ratio | 0.024 | 0.038 | -0.122 | -0.430 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.623 | 0.774 | 1.178 | 1.168 | |
| Debt Service Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.392 | 0.666 | -1.493 | -4.307 | |
| Capital Expenditure Coverage Ratio | 2.654 | 4.433 | -5.630 | -5.954 | |
| Dividend Paid And Capex Coverage Ratio | 2.654 | 4.433 | -5.630 | -5.954 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | -9.398 | -360.648 | -60.081 | -28.471 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 85.9% | ▼-1.7% | ▲2.1% |
| Ebit Margin | -46.2% | ▼-42.4% | ▼-17.2% |
| Ebitda Margin | -44.8% | ▼-42.6% | ▼-17.0% |
| Operating Profit Margin | -47.6% | ▼-43.8% | ▼-18.3% |
| Pretax Profit Margin | -46.2% | ▼-44.8% | ▼-18.6% |
| Continuous Operations Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Net Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Bottom Line Profit Margin | -46.2% | ▼-44.7% | ▼-18.6% |
| Current Ratio | 4.527 | ▲1.093 | ▲0.056 |
| Quick Ratio | 4.527 | ▲1.093 | ▲0.056 |
| Solvency Ratio | -1.741 | ▼-1.741 | ▼-0.816 |
| Cash Ratio | 1.202 | ▲0.301 | ▲0.233 |
| Price To Earnings Ratio | -9.427 | ▲523.763 | ▲149.986 |
| Price To Earnings Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Forward Price To Earnings Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Price To Earnings Diluted Ratio | -9.681 | ▲523.509 | ▲149.796 |
| Price To Earnings Diluted Growth Ratio | -0.003 | ▼-6.091 | ▼-1.817 |
| Price To Book Ratio | 6.801 | ▼-7.293 | ▼-5.104 |
| Price To Sales Ratio | 4.359 | ▼-3.723 | ▼-4.747 |
| Price To Free Cash Flow Ratio | 289.824 | ▲17.559 | ▲174.303 |
| Price To Operating Cash Flow Ratio | 180.621 | ▼-30.225 | ▲112.132 |
| Debt To Assets Ratio | 0.069 | ▲0.003 | ▼-0.003 |
| Debt To Equity Ratio | 0.096 | ▼-0.004 | ▼-0.004 |
| Debt To Capital Ratio | 0.088 | ▼-0.004 | ▼-0.003 |
| Long Term Debt To Capital Ratio | 0.000 | 0.000 | 0.000 |
| Financial Leverage Ratio | 1.402 | ▼-0.121 | ▼-0.004 |
| Working Capital Turnover Ratio | 1.918 | ▲0.044 | ▲0.638 |
| Operating Cash Flow Ratio | 0.136 | ▼-0.035 | ▲0.699 |
| Operating Cash Flow Sales Ratio | 0.024 | ▼-0.014 | ▲0.147 |
| Free Cash Flow Operating Cash Flow Ratio | 0.623 | ▼-0.151 | ▼-0.313 |
| Debt Service Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.392 | ▼-0.274 | ▲1.577 |
| Capital Expenditure Coverage Ratio | 2.654 | ▼-1.779 | ▲3.778 |
| Dividend Paid And Capex Coverage Ratio | 2.654 | ▼-1.779 | ▲3.778 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | -9.398 | ▲351.250 | ▲105.251 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Market cap | $9.53B | $13.52B | $13.52B | $13.52B | |
| Enterprise value | $9.20B | $13.28B | $13.39B | $13.42B | |
| EV / Sales | 4.21x | 7.94x | 10.47x | 13.30x | |
| EV / Op. cash flow | 174.34x | 207.08x | -85.50x | -30.91x | |
| EV / Free cash flow | 279.74x | 267.41x | -72.60x | -26.47x | |
| EV / EBITDA | -9.40x | -360.65x | -60.08x | -28.47x | |
| Net debt / EBITDA | 0.34x | 6.55x | 0.60x | 0.22x | |
| Current ratio | 4.53x | 3.43x | 4.03x | 5.90x | |
| Income quality | -0.05x | -2.53x | 0.77x | 0.92x | |
| Graham net-net | $2 | $1 | $2 | $2 | |
| Tax burden | 100.1% | 111.5% | 100.1% | 99.9% | |
| Interest burden | 100.0% | 36.6% | 86.1% | 98.3% | |
| Working capital | $1.37B | $912.2M | $873.2M | $1.06B | |
| Invested capital | $1.55B | $1.05B | $1.03B | $1.20B | |
| Return on assets | -51.4% | -1.7% | -15.4% | -33.2% | |
| Operating ROA | -60.7% | -4.5% | -17.2% | 0.0% | |
| Return on tangible assets | -51.4% | -1.7% | -15.4% | -33.2% | |
| Return on equity | -72.1% | -2.6% | -21.7% | -42.7% | |
| Return on invested capital | -65.5% | -5.6% | -22.6% | -39.6% | |
| Return on capital employed | -66.0% | -5.7% | -22.9% | -39.8% | |
| Earnings yield | -10.6% | -0.2% | -1.5% | -3.5% | |
| Free cash flow yield | 0.3% | 0.4% | -1.4% | -3.7% | |
| Capex / Op. cash flow | 37.7% | 22.6% | -17.8% | -16.8% | |
| Capex / Depreciation | 80.0% | 57.0% | 215.0% | 998.8% | |
| Capex / Sales | 0.9% | 0.9% | 2.2% | 7.2% | |
| SG&A / Sales | 52.5% | 41.7% | 46.8% | 59.9% | |
| R&D / Sales | 42.8% | 18.5% | 20.3% | 24.0% | |
| Stock comp / Sales | 49.0% | 1.8% | 2.0% | 2.8% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 55d | 69d | 50d | 45d | |
| Days payables outstanding | 46d | 63d | 37d | 35d | |
| Operating cycle | 55d | 69d | 50d | 45d | |
| Cash conversion cycle | 9d | 6d | 14d | 9d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-29.5%EV / Sales ▼-47.0%EV / EBITDA ▲+97.4%EV / Op. cash flow ▼-32.745Earnings yield ▼-0.104
Profitability
Return on equity ▼-0.694Return on assets ▼-0.497Return on invested capital ▼-0.598Return on capital employed ▼-0.602Operating ROA ▼-0.562Income quality ▲+2.479Tax burden ▼-0.114
Efficiency
Days sales outstanding ▼-13.930Days payables outstanding ▼-17.365Operating cycle ▼-13.930Cash conversion cycle ▲+3.435Capex / Sales +0.000R&D / Sales ▲+0.243
Balance-sheet strength
Current ratio ▲+1.093Net debt / EBITDA ▼-6.215Working capital ▲+455867000.000Invested capital ▲+491584000.000Intangibles / Total assets n/a
Change over 5 years
Valuation
Market cap ▼-29.5%EV / Sales ▼-68.4%EV / EBITDA ▲+67.0%EV / Op. cash flow ▲+205.253Earnings yield ▼-0.071
Profitability
Return on equity ▼-0.293Return on assets ▼-0.182Return on invested capital ▼-0.259Return on capital employed ▼-0.261Operating ROA n/aIncome quality ▼-0.975Tax burden ▲+0.002
Efficiency
Days sales outstanding ▲+10.417Days payables outstanding ▲+10.340Operating cycle ▲+10.417Cash conversion cycle ▲+0.077Capex / Sales ▼-0.063R&D / Sales ▲+0.187
Balance-sheet strength
Current ratio ▼-1.372Net debt / EBITDA ▲+0.121Working capital ▲+312261000.000Invested capital ▲+343796000.000Intangibles / Total assets n/a
Employee count
No employee-count data synced.
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-09-14 Here Are Monday’s Top Wall Street Analyst Research Calls: Accenture, Chime Financial, Crown Castle, Dick’s Sporting Goods, EchoStar Corporation, GE Vernova, Honeywell Aerospace, IREN Limited, and More Wall Street analysts are reshuffling their bets ahead of a pivotal Fed rate decision, and the moves on stocks like Crown Castle, IREN Limited, and Accenture could signal bigger shifts ahead for your portfolio.
- 2026-09-11 Best Momentum Stock to Buy for September 11th RCMT, VG and CHYM made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 11, 2026.
- 2026-09-11 Chime Finds Its Stride With a $590M Deal That Could Reshape Its Banking Model Chime Financial TodayCHYMChime Financial$32.67 -1.88 (-5.44%) As of 09/10/2026 04:00 PM Eastern52-Week Range$15.88▼$35.55Price Target$35.00Add to WatchlistFor years, financial technology platforms operated with a structural vulnerability: they relied on third-party chartered banks to hold deposits and clear transactions. That software-wrapper era is drawing to a close.
- 2026-09-10 Chime Financial Stock Pulls Back Thursday: What''s Happening? Shares of Chime Financial Inc. (NASDAQ:CHYM) are trading lower Thursday afternoon, giving back recent gains as investors took profits following a multi-day rally sparked by major strategic acquisition news.
- 2026-09-10 Chime Financial: A Buy, But Choose Your Entry Carefully Chime Financial is a buy, driven by the Stride Bank acquisition and raised guidance, but valuation is stretched after an 86% three-month rally. CHYM now controls its own charter, removing sponsor bank dependency and unlocking $100M+ in annual synergies, with immediate accretion to earnings expected post-closing. Guidance was raised: Q3 revenue to $705M (+30% YoY), full-year to $2.76–$2.77B, and adjusted EBITDA to $481–$489M; member growth and profitability are accelerating.
- 2026-09-10 Chime Paid $590 Million to Stop Renting Its Own Bank | Is This the Deal That Changes the Stock? Chime just agreed to buy the bank it has been renting for years, and the move promises cheaper funding and cleaner economics while dragging the fintech into a world of capital requirements and federal oversight it has never faced before.
- 2026-09-09 Chime Financial, Inc. (CHYM) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript Chime Financial, Inc. (CHYM) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript
- 2026-09-09 Best Momentum Stock to Buy for September 9th RCMT, CHYM and BP made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 9, 2026.
- 2026-09-09 These Analysts Revise Their Forecasts On Chime Financial Chime Financial Inc (NASDAQ:CHYM) announced plans to acquire Stride Bank for $590 million in cash, creating wholly owned Chime Bank, N.A.
- 2026-09-09 Chime Stock Rises on Raised Guidance, Plans to Acquire Its Bank Partner Chime Financial Inc. (NASDAQ:CHYM) shares are trading higher after the company announced it expects a year-over-year increase in its third-quarter and fiscal-year 2026 revenue guidance. The company will acquire Stride Bank.