Chime Financial (CHYM) Gross Margin (2024 - 2026)
Chime Financial (CHYM) reported Gross Margin of 89.64% for Q1 2026, up 129.0% on a YoY basis from 39.14% in Q1 2025, and up 0.81% quarter-over-quarter from 88.91% in Q4 2025.
Chime Financial (CHYM) Gross Margin (2024 - 2026) Analysis & Trends
Chime Financial has reported Gross Margin for 3 years, with the latest figure at 89.64% in Q1 2026.
- For the quarter ending Q1 2026, Gross Margin rose 129.0% year-over-year to 89.64%; the trailing twelve-month figure through Mar 2026 stood at 88.35% (up 60.0% YoY), and the FY2025 full-year result was 87.97%, up 37.0% from the prior year.
- Gross Margin for Q1 2026 stood at 89.64%, up from 88.91% in the prior quarter.
- The five-year high for Gross Margin was 89.64% in Q1 2026, with the low at 86.86% in Q2 2024.
- Historically, Gross Margin has averaged 87.98% across 3 years, with a median of 87.76% in 2024.
- Annual changes were most pronounced in 2025 — Gross Margin fell 8 bps — and 2026, when it surged 129 bps.
- Chime Financial's Gross Margin stood at 88.21% in 2024, then advanced by 1 bps to 88.91% in 2025, then advanced by 1 bps to 89.64% in 2026.
- The last three Gross Margin figures came in at 89.64% (Q1 2026), 88.91% (Q4 2025), and 87.23% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 238.14 Bn | 220.17 Bn | 8.16 Bn | 72.98% |
| 2 | Full Truck Alliance | 166.83 Bn | 164.28 Bn | - | - |
| 3 | Uber Technologies | 150.36 Bn | 149.32 Bn | 11.88 Bn | 89.96% |
| 4 | Shopify | 147.75 Bn | 142.01 Bn | 1.55 Bn | 48.77% |
| 5 | Salesforce | 140.39 Bn | 128.55 Bn | 8.56 Bn | 76.92% |
| 6 | Cadence Design Systems | 105.73 Bn | 104.32 Bn | 1.26 Bn | 85.65% |
| 7 | ServiceNow | 105.42 Bn | 100.24 Bn | 2.83 Bn | 75.07% |
| 8 | Automatic Data Processing | 89.57 Bn | 86.34 Bn | 2.87 Bn | 48.28% |
| 9 | Adobe | 85.05 Bn | 78.16 Bn | 5.90 Bn | 89.20% |
| 10 | Chime Financial | 6.52 Bn | 5.51 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% |