Chime Financial reported a gross margin of 88.82% and a net margin of 4.16% for the quarter ended Jun 2026. These financial ratios cover 9 quarters of results from Jun 2024 through Jun 2026, standardized by Business Quant from the company’s SEC filings.
| Ratios | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 |
|---|---|---|---|---|---|---|---|---|---|
| Profitability | |||||||||
| Gross Margin | 86.86% | 87.31% | 88.21% | 88.35% | 87.29% | 87.23% | 88.91% | 89.64% | 88.82% |
| EBT Margin | 0.12% | -4.70% | -3.98% | 2.79% | -175.03% | -10.02% | -7.50% | 8.33% | 4.19% |
| EBIT Margin | -2.46% | -7.26% | -5.71% | 1.76% | -176.21% | -11.91% | -9.02% | 7.13% | 3.18% |
| EBITDA Margin | -0.87% | -5.63% | -7.69% | 1.76% | -174.81% | -10.53% | -11.16% | 7.13% | 3.18% |
| Operating Margin | -2.46% | -7.26% | -5.71% | 1.76% | -176.21% | -11.91% | -9.02% | 7.13% | 3.18% |
| Net Margin | -5.22% | -4.13% | -174.83% | -10.07% | -7.51% | 8.26% | 4.16% | ||
| FCF Margin | -167.21% | -232.84% | -224.67% | -227.20% | -226.54% | -216.42% | -186.74% | -179.53% | |
| Efficiency | |||||||||
| Assets AverageAssets Avg. | 1.93B | 1.96B | 1.96B | 1.97B | |||||
| Invested CapitalInvested Cap. | -1.90B | -1.81B | -1.90B | 1.58B | 1.58B | 1.55B | 1.58B | 1.59B | |
| Asset Utilization RatioAsset Util. | 1.07 | 1.11 | 1.18 | 1.25 | |||||
| Leverage & Solvency | |||||||||
| Debt Ratio | 0.08 | 0.08 | 0.07 | 0.08 | 0.07 | 0.09 | |||
| Valuation | |||||||||
| Price to EarningsP/E | -13.86 | -126.20 | -215.94 | 134.06 | 278.46 | ||||
| Price to SalesP/S | 24.23 | 12.71 | 16.21 | 11.07 | 11.58 | ||||
| Price to BookP/B | 8.96 | 4.79 | 6.90 | 4.97 | 5.52 | ||||
| Enterprise Value | 11.70B | 5.83B | 8.61B | 6.15B | 6.69B | ||||
| EV to EBIT | -12.57 | -90.05 | -160.22 | 133.33 | 313.84 | ||||
| EV to EBITDA | -12.68 | -101.86 | -129.42 | 133.33 | 313.84 | ||||
| Market Capitalization | 12.80B | 6.91B | 9.67B | 7.17B | 7.76B | ||||
| Price to FCFP/FCF | -10.66 | -5.61 | -7.49 | -5.93 | -6.45 | ||||
| EV to FCF | -9.75 | -4.73 | -6.67 | -5.09 | -5.57 | ||||
| EV to CFO | 410.69 | 333.30 | 264.64 | 70.36 | 32.25 | ||||
| Return Ratios | |||||||||
| Return on Sales [ROS]ROS | -2.46% | -7.26% | -5.71% | 1.76% | -176.21% | -11.91% | -9.02% | 7.13% | 3.18% |
| Return on Capital Employed [ROCE]ROCE | -64.28% | -66.01% | -62.16% | -3.21% | |||||
| Return on Invested Capital [ROIC]ROIC | 3.73% | 616.76% | -64.34% | -66.58% | -64.14% | -3.41% | |||
| Return on Assets [ROA]ROA | -50.96% | -51.44% | -49.52% | -0.92% |