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Chime Financial, Inc. (CHYM)

Nasdaq: CHYM · Finance Services · San Francisco, CA · filing with the SEC since 2019
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Grade6.3
◀ Past 5.9● Present 6.6▶ Future 6.5
3 est.
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The grade of Chime Financial, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.3/10
◀ Past5.940% of the headline
● Present6.635% of the headline
▶ Future6.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed
8.4/10

Has it survived what it has been through?

No warning events in its filings since 2019.

weight 45% of this tense · 84th percentile among 130 sector filers · read for itself

From the record

Chime Financial, Inc.'s filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.1/10

What has it actually done, year after year?

+30.8% a year over 3 filed years; profitable in 0 of 3.

weight 22% of this tense · 61st percentile among 104 sector filers · read for its customers

From the record

Chime Financial, Inc.'s 3 filed years say what it did: revenue went from $1.3 billion in fiscal 2023 to $2.2 billion in fiscal 2025, up 30.8% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 0 of 3 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span30.8%top 41% of its family
  • the share of years revenue rosetop 13% of its family
  • the share of filed years with a profitbottom 13% of its family
  • the deepest fall from a revenue peak0.0%top 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate
2.2/10

How has it treated the people who own it?

SI estimate 2.2/10, confidence 35 of 100 (one part).

weight 33% of this tense · 22nd percentile among 115 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, the share count over the years, which ranks in the bottom 22% of 115 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read
Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned
one part: the share count over the years, the one part on file, ranked among 115 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Chime Financial, Inc.'s shareholder treatment is put at 2.2 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 22% of 115 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

6.6/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
5.3/10

Is it financially healthy right now?

ROE -72%: lost 72¢ per shareholder dollar. Leverage 29%: owes 29¢ per asset dollar.

weight 45% of this tense · 53rd percentile among 117 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Chime Financial, Inc. lost about 72 cents for every dollar of shareholders' money, and gross profitability: its products earned about 98 cents per dollar of everything the company owns. Leverage: it owed about 29 cents per dollar of assets, and net share issuance: its share count grew 264.0% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 33% of its family
  • return on equitybottom 25% of its family
  • gross profit against assetstop 1% of its family
  • the share count against the year beforebottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
7.0/10

How strong is its position in its industry?

top 30% of 114 in its family; net margin -46.2%.

weight 33% of this tense · 70th percentile among 114 sector filers · read for its customers

From the record

Chime Financial, Inc.'s standing among 114 graded names in its industry family: revenue of $2.2 billion in fiscal 2025 ranks in the top 8% by size; a net margin of -46.2% ranks in the top 47%; revenue growth of 30.8% a year over the last 2 filed years ranks in the top 35% (its annual reports).

What it rests on

  • revenue against the family$2.19Btop 8% of its family
  • net margin-46.2%top 47% of its family
  • three-year revenue growth30.8%top 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
8.5/10

What are the people in charge doing?

SI estimate 8.5/10, confidence 35 of 100 (one part).

weight 22% of this tense · 85th percentile among 92 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 15% of 92 in its family; the record of its people begins on 2025-06-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read
The record of its people begins on 2025-06-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 92 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Chime Financial, Inc.'s leadership is put at 8.5 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 15% of 92 in its family; the record of its people begins on 2025-06-11 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.5/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed
7.8/10

How much room does it have to grow?

top 22% of 108 in its family for room to expand.

weight 33% of this tense · 78th percentile among 108 sector filers · read for itself

From the record

Chime Financial, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $466 million against no long-term debt tagged leaves 23.7% of its assets as net cash, top 19% of its family; cash from operations less capital spending is 1.5% of revenue (top 28%); a gross margin of 88% (top 14%); research spending of 42.8% of revenue (top 28%) (its annual report).

What it rests on

  • cash less debt against assets23.7%top 19% of its family
  • cash from operations less capital spending against revenue1.5%top 28% of its family
  • gross margin88.0%top 14% of its family
  • research spending against revenue42.8%top 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.8/10

What could actually drive growth from here?

top 32% of 100 in its family for growth drivers.

weight 33% of this tense · 68th percentile among 100 sector filers · read for its customers

From the record

Chime Financial, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 30.8% a year over the last three filed years against 30.8% over all 3, speeding up (top 42% of its family); the newest year grew 30.7% (top 33%); research spending grew 89.9% a year (top 15%); capital spending grew 37.6% a year (top 39%) (its annual reports). Chime Financial, Inc. reported 2 product lines in fiscal 2025: Payments Revenue at $1.5 billion (69%), Platform Related Revenue at $686 million (31%); 2 of 2 grew against the year before (its annual report).

What it rests on

  • three-year growth against the whole span+0.0 points a yeartop 42% of its family
  • the newest year's revenue growth30.7%top 33% of its family
  • three-year growth of research spending89.9%top 15% of its family
  • three-year growth of capital spending37.6%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
4.8/10

Did its newest year beat what its own record pointed to?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 78 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 78 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Chime Financial, Inc.'s expectations vs reality is put at 4.8 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 78 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CHYM · research, not advice