Chime Financial (CHYM) Debt Ratio (2024 - 2026)
Chime Financial's (CHYM) quarterly Debt Ratio came in at 0.09 in Q2 2026, up 17.95% on a YoY basis from 0.08 in Q2 2025, and up 32.43% quarter-over-quarter from 0.07 in Q1 2026.
Analysis
Chime Financial (CHYM) Debt Ratio (2024 - 2026) Analysis & Trends
Chime Financial (CHYM) has reported Debt Ratio for 3 consecutive years, with 0.09 the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Debt Ratio rose 17.95% year-over-year to 0.09; the trailing twelve-month figure through Jun 2026 stood at 0.09 (up 17.95% YoY), and the FY2025 full-year result was 0.08, down 10.26% from the prior year.
- Debt Ratio rose to 0.09 in Q2 2026 per CHYM's latest filing, from 0.07 in the prior quarter.
- Across five years, Debt Ratio topped out at 0.09 in Q2 2026 and bottomed at 0.07 in Q3 2025.
- Historically, Debt Ratio has averaged 0.08 across 3 years, with a median of 0.08 in 2025.
- The sharpest annual moves came in 2025 and 2026: Debt Ratio fell 10.26% in 2025, then gained 17.95% in 2026.
- Over 3 years, Debt Ratio stood at 0.08 in 2024, then dropped by 10.26% to 0.08 in 2025, then rose by 23.06% to 0.09 in 2026.
- According to Business Quant data, Debt Ratio over the past three periods registered 0.09, 0.07, and 0.08 for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Chime Financial | 12.78 Bn | 11.72 Bn | 594.87 Mn | 0.09 |
| 2 | Jack Henry & Associates | 11.61 Bn | 11.60 Bn | 273.85 Mn | 0.01 |
| 3 | Dave | 4.36 Bn | 4.10 Bn | 159.27 Mn | 0.13 |
| 4 | Q2 Holdings | 3.87 Bn | 3.77 Bn | 130.20 Mn | - |
| 5 | nCino | 2.43 Bn | 2.36 Bn | 100.77 Mn | 0.18 |
| 6 | Alkami Technology | 2.11 Bn | 2.02 Bn | 73.81 Mn | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.09 |
| Mar 31, 2026 | 0.07 |
| Dec 31, 2025 | 0.08 |
| Sep 30, 2025 | 0.07 |
| Jun 30, 2025 | 0.08 |
| Dec 31, 2024 | 0.08 |