Chime Financial, Inc. Class A Common Stock (CHYM) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-589.4%

-$141.06

vs $28.82 price

Levered DCF

-$62.83

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

10.61

Safe zone

Rating

Overall 2 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022
P/E	-9.43×	-533.19×	-66.27×	-28.77×
P/B	6.8×	14.09×	14.44×	12.28×
P/S	4.36×	8.08×	10.58×	13.41×
EV / EBITDA	-9.4×	-360.65×	-60.08×	-28.47×
Gross margin	85.9%	87.6%	82.8%	78.7%
Operating margin	-47.6%	-3.7%	-18.4%	-47.5%
Net margin	-46.2%	-1.5%	-15.9%	-46.6%
Current ratio	4.53×	3.43×	4.03×	5.9×
Debt / equity	0.1×	0.1×	0.11×	0.09×
Interest coverage	0×	0×	0×	0×
Dividend yield	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022
Return on equity	-72.1%	-2.6%	-21.7%	-42.7%
Return on invested capital	-65.5%	-5.6%	-22.6%	-39.6%
Return on assets	-51.4%	-1.7%	-15.4%	-33.2%
Free cash flow yield	0.3%	0.4%	-1.4%	-3.7%
Earnings yield	-10.6%	-0.2%	-1.5%	-3.5%
Enterprise value	$9.2B	$13.3B	$13.4B	$13.4B
Net debt / EBITDA	0.34×	6.55×	0.61×	0.22×
Cash conversion cycle (days)	9	6	14	9