Chime Financial (CHYM) Operating Margin (2024 - 2026)
Chime Financial (CHYM) posted Operating Margin of 7.13% for Q1 2026, up 179.09% on a QoQ basis from 9.02% in Q4 2025, and up 537.0% year-over-year from 1.12% in Q1 2025.
Chime Financial (CHYM) Operating Margin (2024 - 2026) Analysis & Trends
Chime Financial's Operating Margin history runs 3 years deep, the most recent figure standing at 7.13% for Q1 2026.
- Quarterly Operating Margin rose 537.0% year-over-year to 7.13% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 43.32% (down 4009.0% YoY) and the FY2025 annual result came in at 47.56%, down 4384.0% from the prior year.
- Operating Margin was 7.13% for Q1 2026 at Chime Financial, up from 9.02% in the prior quarter.
- Across five years, Operating Margin topped out at 7.13% in Q1 2026 and bottomed at 176.21% in Q2 2025.
- A 3-year average of 25.46% and a median of 6.49% in 2024 frame the typical range for Operating Margin.
- Annual changes were most pronounced in 2025 — Operating Margin tumbled 17375 bps — and 2026, when it soared 537 bps.
- Chime Financial's Operating Margin stood at 5.71% in 2024, then plunged by 58 bps to 9.02% in 2025, then soared by 179 bps to 7.13% in 2026.
- Business Quant data shows CHYM's Operating Margin at 7.13% in Q1 2026, 9.02% in Q4 2025, and 11.91% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 208.91 Bn | 189.27 Bn | 8.16 Bn | 28.69% |
| 2 | Full Truck Alliance | 188.77 Bn | 186.13 Bn | - | - |
| 3 | Shopify | 145.98 Bn | 140.23 Bn | 1.55 Bn | 12.05% |
| 4 | Uber Technologies | 141.48 Bn | 140.44 Bn | 5.95 Bn | 14.56% |
| 5 | Salesforce | 128.51 Bn | 116.67 Bn | 8.56 Bn | 21.08% |
| 6 | ServiceNow | 98.38 Bn | 93.20 Bn | 2.82 Bn | 4.06% |
| 7 | Automatic Data Processing | 97.56 Bn | 94.34 Bn | 2.87 Bn | -22.99% |
| 8 | Snowflake | 91.55 Bn | 88.59 Bn | 926.45 Mn | -23.45% |
| 9 | Cadence Design Systems | 89.91 Bn | 88.50 Bn | 1.41 Bn | 29.26% |
| 10 | Chime Financial | 7.92 Bn | 7.50 Bn | 580.31 Mn | 7.13% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |