Chime Financial, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Chime Financial, Inc.'s yearly results (2022–2025), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 117% in 3 years, but profit fell: $46 less profit per $100 of extra sales. Lower than 87% of Technology companies in United States.
Cash quality
Profit Cash Ratio
—Loss-making or profit too small
Over the last 3 years profit was a loss or under 2% of sales, so cash per 100 of profit is not meaningful.
Self-Funding Ratio
-0.6×Over the last 3 years operating cash was negative while the company kept spending on investment (capex).
Lower than 76% of Technology companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 75% of Technology companies in United States.
Growth Efficiency Ratio
−$46Sales grew 117% in 3 years, but profit fell: $46 less profit per $100 of extra sales.
Lower than 87% of Technology companies in United States.
Asset Productivity Ratio
+117% / +39%In 3 years sales changed by +117% while total assets changed by +39%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
4.6×Debt due within a year is covered 4.6 times by its yearly operating cash.
Higher than 54% of Technology companies in United States.
Cash Cushion Ratio
+8%Cash, after subtracting all debt, equals 8% of its market value (net cash).
Higher than 73% of Technology companies in United States.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (12)
Chime Financial, Inc. owes $0.30 for every $1 it owns. Chime Financial, Inc. made a loss in each of the last two years.
Compared with Technology companies in United States · latest annual results Dec 2025.
P/E ratio
34.3Investors pay $34.3 for every $1 of Chime Financial, Inc.'s yearly profit, higher than 53% of Technology companies in United States.
P/B ratio
8.13The share price is 8.13 times Chime Financial, Inc.'s book value per share, higher than 81% of Technology companies in United States.
Market cap
$11.4 BThe total market value of all of Chime Financial, Inc.'s shares at today's price (share price × number of shares), larger than 79% of Technology companies in United States. PosiCap size class: Tito Cap.
Net worth (book value)
$1.4 BWhat Chime Financial, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$3.71Net worth divided by the number of shares. The share price of $30.16 is 8.1 times this, which is the P/B above.
Return on equity (ROE)
-1.3%Chime Financial, Inc. lost 1.3% of its shareholders' money over the last year, lower than 56% of Technology companies in United States.
Owes vs Owns
0.30×Chime Financial, Inc. owes $0.30 for every $1 it owns (low), lower than 71% of Technology companies in United States.
Dividend yield
NoneChime Financial, Inc. does not currently pay a dividend.
Revenue growth
+31%Revenue rose 31% in the year to Dec 2025, and grew 29% a year on average over 3 years.
Profit growth
LossChime Financial, Inc. made a loss in each of the last two years.
Profit margin
-46.2%Chime Financial, Inc. lost $46 for every $100 of revenue.
Cash vs debt
Net cashChime Financial, Inc. held $919 M more cash than debt (net cash) at Dec 2025.
Questions
What is Chime Financial, Inc.'s P/E ratio?
Investors pay $34.3 for every $1 of Chime Financial, Inc.'s yearly profit, higher than 53% of Technology companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Chime Financial, Inc.: $11.4 B ÷ $1.4 B (30 Jun 2026) = 8.1.
What is Chime Financial, Inc.'s return on equity?
Chime Financial, Inc. lost 1.3% of its shareholders' money over the last year, lower than 56% of Technology companies in United States.
How much does Chime Financial, Inc. owe compared with what it owns?
Chime Financial, Inc. owes $0.30 for every $1 it owns (low), lower than 71% of Technology companies in United States.
Does Chime Financial, Inc. pay a dividend?
No. Chime Financial, Inc. does not currently pay a dividend.
Is Chime Financial, Inc.'s revenue growing?
Revenue rose 31% in the year to Dec 2025, and grew 29% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.