Chime Financial (CHYM) Gross Margin (2024 - 2026)
Chime Financial (CHYM) posted Gross Margin of 89.64% for Q1 2026, up 0.81% on a QoQ basis from 88.91% in Q4 2025, and up 129.0% year-over-year from 39.14% in Q1 2025.
Chime Financial (CHYM) Gross Margin (2024 - 2026) Analysis & Trends
Chime Financial's Gross Margin history runs 3 years deep, the most recent figure standing at 89.64% for Q1 2026.
- Quarterly Gross Margin rose 129.0% year-over-year to 89.64% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 88.35% (up 60.0% YoY) and the FY2025 annual result came in at 87.97%, up 37.0% from the prior year.
- Gross Margin was 89.64% for Q1 2026 at Chime Financial, up from 88.91% in the prior quarter.
- Across five years, Gross Margin topped out at 89.64% in Q1 2026 and bottomed at 86.86% in Q2 2024.
- A 3-year average of 87.98% and a median of 87.76% in 2024 frame the typical range for Gross Margin.
- Annual changes were most pronounced in 2025 — Gross Margin slipped 8 bps — and 2026, when it surged 129 bps.
- Chime Financial's Gross Margin stood at 88.21% in 2024, then grew by 1 bps to 88.91% in 2025, then grew by 1 bps to 89.64% in 2026.
- Business Quant data shows CHYM's Gross Margin at 89.64% in Q1 2026, 88.91% in Q4 2025, and 87.23% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 208.91 Bn | 189.27 Bn | 8.16 Bn | 72.98% |
| 2 | Full Truck Alliance | 188.77 Bn | 186.13 Bn | - | - |
| 3 | Shopify | 145.98 Bn | 140.23 Bn | 1.55 Bn | 48.77% |
| 4 | Uber Technologies | 141.48 Bn | 140.44 Bn | 5.95 Bn | 45.03% |
| 5 | Salesforce | 128.51 Bn | 116.67 Bn | 8.56 Bn | 76.92% |
| 6 | ServiceNow | 98.38 Bn | 93.20 Bn | 2.82 Bn | 70.68% |
| 7 | Automatic Data Processing | 97.56 Bn | 94.34 Bn | 2.87 Bn | 48.28% |
| 8 | Snowflake | 91.55 Bn | 88.59 Bn | 926.45 Mn | 66.61% |
| 9 | Cadence Design Systems | 89.91 Bn | 88.50 Bn | 1.41 Bn | 95.85% |
| 10 | Chime Financial | 7.92 Bn | 7.50 Bn | 580.31 Mn | 89.64% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 89.64% |
| Dec 31, 2025 | 88.91% |
| Sep 30, 2025 | 87.23% |
| Jun 30, 2025 | 87.29% |
| Mar 31, 2025 | 88.35% |
| Dec 31, 2024 | 88.21% |
| Sep 30, 2024 | 87.31% |
| Jun 30, 2024 | 86.86% |