Chime Financial (CHYM) Operating Margin (2024 - 2026)
Chime Financial (CHYM) reported Operating Margin of 7.13% for Q1 2026, up 537.0% on a YoY basis from 1.12% in Q1 2025, and up 179.09% quarter-over-quarter from 9.02% in Q4 2025.
Chime Financial (CHYM) Operating Margin (2024 - 2026) Analysis & Trends
Chime Financial has reported Operating Margin for 3 years, with the latest figure at 7.13% in Q1 2026.
- For the quarter ending Q1 2026, Operating Margin rose 537.0% year-over-year to 7.13%; the trailing twelve-month figure through Mar 2026 stood at 43.32% (down 4009.0% YoY), and the FY2025 full-year result was 47.56%, down 4384.0% from the prior year.
- Operating Margin for Q1 2026 stood at 7.13%, up from 9.02% in the prior quarter.
- The five-year high for Operating Margin was 7.13% in Q1 2026, with the low at 176.21% in Q2 2025.
- Historically, Operating Margin has averaged 25.46% across 3 years, with a median of 6.49% in 2024.
- Annual changes were most pronounced in 2025 — Operating Margin plunged 17375 bps — and 2026, when it soared 537 bps.
- Chime Financial's Operating Margin stood at 5.71% in 2024, then slumped by 58 bps to 9.02% in 2025, then jumped by 179 bps to 7.13% in 2026.
- The last three Operating Margin figures came in at 7.13% (Q1 2026), 9.02% (Q4 2025), and 11.91% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 238.14 Bn | 220.17 Bn | 8.16 Bn | 28.69% |
| 2 | Full Truck Alliance | 166.83 Bn | 164.28 Bn | - | - |
| 3 | Uber Technologies | 150.36 Bn | 149.32 Bn | 11.88 Bn | 14.56% |
| 4 | Shopify | 147.75 Bn | 142.01 Bn | 1.55 Bn | 12.05% |
| 5 | Salesforce | 140.39 Bn | 128.55 Bn | 8.56 Bn | 21.08% |
| 6 | Cadence Design Systems | 105.73 Bn | 104.32 Bn | 1.26 Bn | 29.26% |
| 7 | ServiceNow | 105.42 Bn | 100.24 Bn | 2.83 Bn | 13.34% |
| 8 | Automatic Data Processing | 89.57 Bn | 86.34 Bn | 2.87 Bn | -22.99% |
| 9 | Adobe | 85.05 Bn | 78.16 Bn | 5.90 Bn | 33.82% |
| 10 | Chime Financial | 6.52 Bn | 5.51 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% |