Chime Financial, Inc. Class A Common Stock Fundamental Analysis (NASDAQ: CHYM)
Chime Financial, Inc. Class A Common Stock Fundamental Analysis (NASDAQ: CHYM)
Chime Financial, Inc. Class A Common Stock (NASDAQ: CHYM) shows moderate financial fundamentals with a PE ratio of -569.81, profit margin of -0.77%, and ROE of -1.28%. The company generates $2.4B in annual revenue with strong year-over-year growth of 30.69%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 48.5/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CHYM's fundamental strength across five key dimensions:
Efficiency Score
WeakCHYM struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCHYM trades at attractive valuation levels.
Growth Score
ModerateCHYM shows steady but slowing expansion.
Financial Health Score
ExcellentCHYM maintains a strong and stable balance sheet.
Profitability Score
WeakCHYM struggles to sustain strong margins.
Key Financial Metrics
Is CHYM Expensive or Cheap?
P/E Ratio
CHYM trades at -569.81 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CHYM's PEG of -7.06 indicates potential undervaluation.
Price to Book
The market values Chime Financial, Inc. Class A Common Stock at 8.76 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -2136.66 times EBITDA. This is generally considered low.
How Well Does CHYM Make Money?
Net Profit Margin
For every $100 in sales, Chime Financial, Inc. Class A Common Stock keeps $-0.77 as profit after all expenses.
Operating Margin
Core operations generate -2.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-1.28 in profit for every $100 of shareholder equity.
ROA
Chime Financial, Inc. Class A Common Stock generates $-0.91 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Chime Financial, Inc. Class A Common Stock produces operating cash flow of $346.40M, showing steady but balanced cash generation.
Free Cash Flow
Chime Financial, Inc. Class A Common Stock generates strong free cash flow of $319.16M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.84 in free cash annually.
FCF Yield
CHYM converts 2.60% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-569.81
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-7.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
8.76
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.21
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
137.30
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-0.01
vs 25 benchmark
ROA
Return on assets percentage
-0.01
vs 25 benchmark
ROCE
Return on capital employed
-0.03
vs 25 benchmark
How CHYM Stacks Against Its Sector Peers
| Metric | CHYM Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -569.81 | 21.11 | Better (Cheaper) |
| ROE | -1.28% | 655.00% | Weak |
| Net Margin | -0.77% | -1594.00% (disorted) | Weak |
| Debt/Equity | 0.09 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 137.30 | 910.44 | Strong Liquidity |
| ROA | -0.91% | 4469138.00% | Weak |
CHYM outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Chime Financial, Inc. Class A Common Stock's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
108.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-106.64%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
111.70%
Industry Style: Value, Dividend, Cyclical
High Growth