Chime Financial, Inc.

CHYM

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.

About the company

Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally.

Country: United StatesPrice: $33.55Market Cap: $12.9B

Investment snapshot

6%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

2 / 13

NEUTRAL / FAIL

Median fair value

$3.76

-88.8% vs price

Models with upside

0 / 16

Positive margin of safety

Strongest signal

All 4 investors pass CHYM's debt & leverage

Key risk

No clean pass — all 16 investors flag at least one profitability criterion

Framework analysis

Verdict	Meaning
BUY	Positive purchase signal: the framework's buy requirements are met.
PASS	The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state.
NEUTRAL	Neither a positive nor negative conclusion. It does not mean to hold an existing position.
FAIL	The company does not clear the framework's requirements.
Ranked	Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL.

Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.

Metric	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	FAIL	FAIL	FAIL	PASS	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	NEUTRAL	FAIL	FAIL	NEUTRAL
Score
Analysis	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…
Intrinsic Value (annual)	N/A	N/A	N/A	N/A	N/A		N/A	N/A	N/A		N/A	N/A	N/A	N/A	N/A	N/A
Margin of Safety	N/A	N/A	N/A	N/A	N/A	-1220.9%	N/A	N/A	N/A	-572.7%	N/A	N/A	N/A	N/A	N/A	N/A
Financial Basis	TTM ended 2026-09-30 · Annual history · FY 2025 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · TTM ended 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2025-06-01–2026-11-01 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-03-06 Score computed: 2026-11-14	TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Price history 2025-06-01–2026-11-01 · Annual history · FY 2025 Latest source filing: 2026-11-05 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-03-06 Score computed: 2026-11-14	Annual history · FY 2025 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-05 Score computed: 2026-11-14	TTM ended 2026-09-30 · Annual history · FY 2025 · Price history 2025-06-01–2026-11-01 Latest source filing: 2026-11-05 Score computed: 2026-11-14

Where It Passes

Debt & Leverage100% pass✓ 5▾
All 4 investors pass CHYM's debt & leverage
LT Debt / Total Assets Change0.00% -> 0.00%
✓PiotroskiDecreased YoY
Total Debt / Shareholders' Equity0.06
✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00x
Negative debt-to-equity (higher means less debt)-0.0648; #1102/4210 (top 26.2%)
✓AsnessTop 30% of eligible cross-section
Current Assets / Current Liabilities4.80x
✓SchlossCurrent ratio >= 1.50x (app cutoff)

Where It Falls Short

Profitability0% pass✓ 2✗ 33▾
No clean pass — all 16 investors flag at least one profitability criterion
Positive EPS (10 years)0/4 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)0/4 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)-72.1%
✗Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)
✗BuffettStable or rising over 10 years
Free Cash Flow Proxy$-999.8M
✗BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
ROE5.2%
✗Lynch> 15%
Net Income / Total Assets-51.41%
✗PiotroskiROA > 0
ROA Change YoY-1.73% -> -51.41% (delta: -49.67%)
✗PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=2.69%, ROA=-51.41%
✓PiotroskiCFO/Assets > ROA
Pre-Tax Income / Revenue3.1%
✗Dreman>= 8%
Net Income / Shareholders' Equity5.2%
✗Dreman> 12%
Return on Equity5.2%
✗Munger> 15%✗AkreROE > 20% (3-year avg)
Margin of SafetyP/TBV=5.9x
✗PabraiP/TBV < 1.5 or P/E < 15
ROE (high and growing)FY2023: ROE=unavailable; FY2024: ROE=unavailable; FY2025: ROE=-72.1%
✗AkreLatest 3 consecutive FYs: ROE > 15% in each
Discount to Intrinsic Value
✗Marks>= 20% below intrinsic value
Positive Net Income Frequency0/3 years positive
✗MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue1.8%
✗Ackman>= 15%
Net Income / Shareholders Equity5.2%
✗Ackman>= 15%
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend-18.4% (2023) -> -47.6% (2025)
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trendgross margin 82.8% -> 88.0%, operating margin -18.4% -> -47.6%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
ROE (5-year)0/1 years above 12% (latest -72.1%)
✗SleepROE > 12% in a majority of years
Net income / market capitalization+0.62%; #3062/6340 (top 48.3%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Gross profit / total assets+106.53%; #132/3702 (top 3.6%)
✓AsnessTop 30% of eligible cross-section
Net income / positive book equity+5.20%; #2434/5226 (top 46.6%)
✗AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA
✗AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Positive Diluted-EPS Years
✗Schloss>= 70% positive over 5-10 observed years (app rule)
Valuation0% pass✓ 1✗ 25▾
No clean pass — all 12 investors flag at least one valuation criterion
Price / 3-yr avg EPS
✗Graham<= 15x
Price-to-Tangible-Book Ratio5.9x
✗Graham<= 1.5x
P/E x P/TBV
✗Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
Price / EPS
✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)150.2x
✗Dreman< 8x
Price / Tangible Book Value per Share5.9x
✗Dreman< 1.2x✗SchlossP/TBV <= 1.00x (app cutoff)
Valuation ReasonablenessOE Yield=-12.6%
✗MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF YieldFCF Yield=0.3%
✗PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/B=5.7x
✗MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic Value
✗Marks>= 20% below intrinsic value
Price / FCF per Share241.0x
✗Ackman<= 25
Price vs. Trailing Low195% of trailing low ($17.17)
✗Templeton<= 120% of trailing low (certified split-adjusted live window)
Price / Book Value per Share5.7x
✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Net income / market capitalization+0.62%; #3062/6340 (top 48.3%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Positive book equity / market capitalization+0.1198; #4636/6449 (top 71.9%)
✗AsnessTop 30% of eligible cross-section
Price / Diluted EPS
✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Book Value per Share Change
✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+0.2044; #3758/5247 (top 71.6%)
✗OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization+0.26%; #2491/4519 (top 55.1%)
✗OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date+71.09%; #486/6202 (top 7.8%)
✓OshaughnessyTop 10% of eligible cross-section
Growth0% pass✓ 1✗ 11▾
No clean pass — all 8 investors flag at least one growth criterion
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
EPS Growth Direction
✗DremanPositive over recent years
EPS CAGR
✗Dreman> 5% annualized
Positive Net Income Frequency0/3 years positive
✗MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth30.8%
✓Ackman>= 5%
Positive EPS Growth Frequency
✗AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trendgross margin 82.8% -> 88.0%, operating margin -18.4% -> -47.6%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR
✗SleepCAGR > 7%
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Efficiency0% pass✗ 3▾
All 3 investors flag CHYM's efficiency
Revenue / Total Assets Change YoY1.15x -> 1.11x
✗PiotroskiImproved YoY
Reinvestment Rate x ROICN/A (non-positive net income)
✗AkreReinvestment Rate * ROIC > 10%
ROE (5-year)0/1 years above 12% (latest -72.1%)
✗SleepROE > 12% in a majority of years
Valuation models0% pass✗ 2▾
CHYM overvalued: all 2 models price fair value below $33.55 (median $3.76)
Munger fair value$2.54
✗Munger-1220.9% margin vs $33.55
Ackman fair value$4.99
✗Ackman-572.7% margin vs $33.55
Verdicts7% pass✓ 1✗ 13▾
Split decision: 13 FAIL · 2 NEUTRAL · 1 PASS
Overall verdict
✗GrahamFAIL (1/7)✗BuffettFAIL (0/6)✗LynchFAIL (0/4)✓PiotroskiPASS (F-Score 3)✗DremanFAIL (1/9)✗MungerFAIL (1/3)✗PabraiFAIL (0/3)✗AkreFAIL (1/5)✗MarksFAIL (1/4)✗AckmanFAIL (2/8)✗TempletonFAIL (2/8)✗SleepFAIL (1/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (1/6)✗SchlossFAIL (2/7)•OshaughnessyNEUTRAL (Not ranked)
Cash Flow30% pass✓ 4✗ 8▾
7 of 10 flag CHYM's cash flow — Buffett, Lynch, Dreman +4 more
Free Cash Flow Proxy$-999.8M
✗BuffettPositive and growing
FCF Positive and Growing$32.9M
✗LynchPositive and growing
Operating Cash Flow$52.8M
✓PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=2.69%, ROA=-51.41%
✓PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)150.2x
✗Dreman< 8x
P/E or FCF YieldFCF Yield=0.3%
✗PabraiP/E < 15 or FCF Yield > 10%
FCF Positive2/3 years FCF positive
✓MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap0.4%
✗Ackman>= 4%
Price / FCF per Share241.0x
✗Ackman<= 25
Positive Operating Cash Flow frequency2/3 years positive
✗SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures$32.9M
✓Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization+0.26%; #2491/4519 (top 55.1%)
✗OshaughnessyTop 10% of eligible cross-section

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Industry: Banking

SIC Sector: Credit Institutions

Size: Large Cap($12.9B)

Revenue: $2.2B+30.7% YoY

Net Income: $1.0B-3884.9% YoY

Financial Snapshot

Operating Margin-47.6%

Return on Equity-72.1%

Debt / Equity--

Current Ratio4.53

EPS (Diluted)$-4.27

Buybacks (1y)$77.5M

Buybacks (2y)$78.5M

Similar Companies

MUFGMITSUBISHI UFJ FINANCIAL GROUP INC

$245.7B

AXPAMERICAN EXPRESS CO

$215.0B

SANBanco Santander, S.A.

$175.9B

ATMPBARCLAYS BANK PLC

$82.1B

Sector-adjusted criteria: Bank

Leverage is a bank’s business model and current accounts don’t exist on its balance sheet, so debt and liquidity tests are omitted and tangible book value and ROE replace their industrial analogs.

Shareholder Return

Fiscal 2025

Share retirement not available for this company.

Buybacks: $77.5M
Dividends: —

Company Financials

Latest TTM and quarters alongside annual years

TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.

The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.

Metric	TTM · 2026-09-30 2025-10-01 – 2026-09-30 Sources · derived quarter values 10-K · 2026-03-06 10-Q · 2026-05-07 10-Q · 2026-08-06 10-Q · 2026-11-05 Derived from cumulative filings: revenue, net income, operating income, gross profit, ebit, pre tax income, operating cash flow, depreciation amortization, buybacks, capex.	Q3 FY 2026 2026-07-01 – 2026-09-30 Sources · derived quarter values 10-Q · 2026-11-05 Derived from cumulative filings: operating cash flow, depreciation amortization, capex, buybacks.	Q2 FY 2026 2026-04-01 – 2026-06-30 Sources · derived quarter values 10-Q · 2026-08-06 Derived from cumulative filings: operating cash flow, depreciation amortization, capex, buybacks.	Q1 FY 2026 2026-01-01 – 2026-03-31 Sources 10-Q · 2026-05-07	FY 2025 Sources 10-K · 2026-03-06	FY 2024 Sources 10-K · 2026-03-06	FY 2023 Sources 10-K · 2026-03-06	FY 2022 Sources 10-K · 2026-03-06
Market Cap	$12.9Bcurrent	--	--	--	$6.0Best.	$2.3Best.	--	--
Revenue	$2.6B	$718.0M↑32%	$669.8M↑27%	$647.4M	$2.2B↑31%	$1.7B↑31%	$1.3B	--
Operating Income	$48.0M	$34.3M↑153%	$21.3M↑102%	$46.2M	-$1.0B↓1572%	-$62.2M↑74%	-$235.8M	--
Net Income	$80.3M	$43.7M↑180%	$27.9M↑103%	$53.5M	-$1.0B↓3885%	-$25.3M↑88%	-$203.2M	--
EPS (Diluted)	--	$0.11↑173%	$0.07↑101%	$0.13	$-4.27↓995%	$-0.39↑88%	$-3.22	--
Gross Margin	89.4%	90.0%↑3%	88.8%↑2%	89.6%	88.0%	87.6%↑6%	82.8%	—
Operating Margin	1.8%	4.8%↑140%	3.2%↑102%	7.1%	-47.6%↓1179%	-3.7%↑80%	-18.4%	—
ROE	5.2%	—	—	—	-72.1%↓5589%	1.3%↓87%	10.4%	—
Total Debt	$100.0M	$100.0M	$50.0M	--	--	--	--	--
Shareholders' Equity	$1.5B	$1.5B↑7%	$1.4B↓2%	$1.4B	$1.4B↑173%	-$1.9B↑1%	-$2.0B↓9%	-$1.8B
Current Ratio	4.80	4.80↓3%	4.62↓4%	5.07	4.53↑32%	3.43	—	—
Debt / Equity	0.06	0.06	0.04	—	—	—	—	—
Operating Cash Flow	$453.6M	$126.1M↑621%	$207.5M	$87.5M	$52.8M↓18%	$64.1M↑141%	-$156.6M	--
Free Cash Flow	--	$121.3M↑687%	$197.5M	$80.9M	$32.9M↓45%	$59.3M↑136%	-$167.1M	--

Score history

Historical Score Timeline

Industry peers

Industry Peers

Similar companies in Banking

CHYM vs Peers — Financial Grading

Revenue$2.2BBottom 25%

Net Income$1.0BBottom 25%

ROE-72.1%Bottom 25%

D/E—

Op. Margin-47.6%Bottom 25%

Curr. Ratio4.53

Company	Market Cap	Price	Revenue	Net Income	ROE	D/E	Op. Margin	Curr. Ratio	Graham	Buffett	Lynch	Piotroski	Dreman
MITSUBISHI UFJ FINANCIAL GROUP INCMUFG	$245.7B	$21.83	$74.2B	$10.8B	8.8%	1.12	19.9%	—	2/7	1/6	1/4	F-Score 5	3/9
AMERICAN EXPRESS COAXP	$215.0B	$320.60	$41.3B	$10.8B	32.4%	1.68	—	—	2/7	3/6	3/4	F-Score 4	3/9
Banco Santander, S.A.SAN	$175.9B	$12.21	—	$16.6B	12.5%	0.02	—	—	2/7	1/6	2/4	F-Score 4	5/9
BARCLAYS BANK PLCATMP	$82.1B	$35.04	$13.1B	$6.3B	7.5%	0.01	—	—	2/7	1/6	0/4	F-Score 7	4/9
BARCLAYS PLCBCS	$76.0B	$22.87	$15.0B	$9.7B	9.2%	0.02	—	—	1/7	0/6	0/4	F-Score 7	2/9
FIRST CITIZENS BANCSHARES INC /DE/FCNCA	$25.7B	$2324.25	$9.5B	$2.2B	9.9%	1.62	—	—	5/7	3/6	1/4	F-Score 5	2/9
KEYCORP /NEW/KEY	$22.7B	$21.46	$7.5B	$1.8B	9.0%	0.49	—	—	2/7	1/6	1/4	F-Score 6	4/9
WEBSTER FINANCIAL CORPWBS	$12.6B	$77.57	$2.9B	$1.0B	10.6%	0.08	50.7%	—	2/7	1/6	1/4	F-Score 7	2/9