Chime Financial (CHYM) Operating Margin (2024 - 2026)
Chime Financial (CHYM) posted Operating Margin of 3.18% for Q2 2026, up 179.39 percentage points from -176.21% a year earlier but down 3.95 percentage points from the prior quarter.
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Analysis
Chime Financial (CHYM) Operating Margin (2024 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Operating Margin at Chime Financial was -2.08%, up 48.30 percentage points year-over-year; for FY2025, it was -47.56%, down 43.84 percentage points from FY2024.
- In prior years, Chime Financial's Operating Margin was -3.72% in FY2024 (+14.73 pp) and -18.44% in FY2023.
- Quarterly Operating Margin has run from a low of -176.21% in Q2 2025 to a high of 7.13% in Q1 2026 over five years.
- On a year-over-year basis, Operating Margin increased in two of the last five quarters, with an average year-over-year change of +0.61 percentage points.
- According to Business Quant data, Operating Margin for the three prior quarters was 7.13% (Q1 2026), -9.02% (Q4 2025) and -11.91% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 51.56 Bn | 23.34 Bn | 3.24 Bn | 6.38% |
| 2 | PayPal Holdings | 50.29 Bn | 8.99 Bn | - | 16.33% |
| 3 | Coinbase Global | 35.53 Bn | -4.11 Bn | - | 5.07% |
| 4 | Fiserv | 33.43 Bn | 30.64 Bn | 2.76 Bn | -105.74% |
| 5 | Corpay | 29.86 Bn | 18.68 Bn | - | 44.96% |
| 6 | Global Payments | 25.78 Bn | 604.58 Mn | 2.01 Bn | 7.45% |
| 7 | Guidewire Software | 13.57 Bn | 10.14 Bn | 269.68 Mn | 15.16% |
| 8 | Jack Henry & Associates | 12.44 Bn | 12.35 Bn | 273.85 Mn | 21.24% |
| 9 | Chime Financial | 11.95 Bn | 7.64 Bn | 646.07 Mn | 4.78% |
| 10 | Bitmine Immersion Technologies | 10.38 Bn | 7.76 Bn | 40.81 Mn | -25.50% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 4.78% |
| Jun 30, 2026 | 3.18% |
| Mar 31, 2026 | 7.13% |
| Dec 31, 2025 | -9.02% |
| Sep 30, 2025 | -11.91% |
| Jun 30, 2025 | -176.21% |
| Mar 31, 2025 | 1.76% |
| Dec 31, 2024 | -5.71% |
| Sep 30, 2024 | -7.26% |
| Jun 30, 2024 | -2.46% |
API Access
Chime Financial Operating Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=operating-margin&ticker=CHYM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-margin", "ticker": "CHYM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=operating-margin&ticker=CHYM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();