Chime Financial (CHYM) Operating Margin (2024 - 2026)
Chime Financial's (CHYM) quarterly Operating Margin came in at 7.13% in Q1 2026, up 537.0% YoY from 1.12% in Q1 2025, and up 179.09% on a QoQ basis from 9.02% in Q4 2025.
Chime Financial (CHYM) Operating Margin (2024 - 2026) Analysis & Trends
Chime Financial (CHYM) has 3 years of Operating Margin data on file, last reported at 7.13% in 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 grew to 7.13% in Q1 2026, from 9.02% in the prior quarter.
- In the past five years, Operating Margin ranged from a high of 7.13% in Q1 2026 to a low of 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 plunged 17375 bps — and 2026, when it soared 537 bps.
- Tracing CHYM's Operating Margin over 3 years: 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 | 255.48 Bn | 234.41 Bn | 16.51 Bn | 27.70% |
| 2 | Shopify | 198.95 Bn | 194.00 Bn | 1.71 Bn | 13.62% |
| 3 | Salesforce | 160.70 Bn | 148.86 Bn | 8.56 Bn | 21.08% |
| 4 | Uber Technologies | 154.94 Bn | 149.73 Bn | 6.38 Bn | 13.32% |
| 5 | ServiceNow | 128.25 Bn | 123.58 Bn | 2.82 Bn | 4.06% |
| 6 | Snowflake | 114.00 Bn | 111.05 Bn | 926.45 Mn | -23.45% |
| 7 | Automatic Data Processing | 108.58 Bn | 104.35 Bn | 2.51 Bn | -33.33% |
| 8 | Adobe | 105.34 Bn | 99.72 Bn | 5.90 Bn | 33.82% |
| 9 | Intuit | 94.55 Bn | 87.77 Bn | 7.24 Bn | 46.97% |
| 10 | Chime Financial | 12.13 Bn | 11.06 Bn | 594.87 Mn | 3.18% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |