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Chime Valuation Multiples
Discover revenue and EBITDA valuation multiples for Chime and similar public comparables like KakaoBank, Rakuten Bank, Kakao Pay, Wise and more.
Chime Overview
About Chime
Chime Financial Inc is a financial technology company that believes in core banking services.
Founded
2012
HQ
Employees
N/A
Website
Sectors
Financials (LTM)
EV
$7B
Chime Financials
Chime reported last 12-month revenue of $2B and EBITDA of $181M.
In the same LTM period, Chime generated $2B in gross profit, $181M in EBITDA, and had net loss of ($790M).
Revenue (LTM)
Chime P&L
In the most recent fiscal year, Chime reported revenue of $2B and EBITDA of $127M.
Chime expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $2B | XXX | $2B | XXX | XXX | XXX |
| Gross Profit | $2B | XXX | $2B | XXX | XXX | XXX |
| Gross Margin | 89% | XXX | 88% | XXX | XXX | XXX |
| EBITDA | $181M | XXX | $127M | XXX | XXX | XXX |
| EBITDA Margin | 8% | XXX | 6% | XXX | XXX | XXX |
| EBIT Margin | 6% | XXX | 4% | XXX | XXX | XXX |
| Net Profit | ($790M) | XXX | ($1B) | XXX | XXX | XXX |
| Net Margin | (35%) | XXX | (46%) | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Chime Stock Performance
Chime has current market cap of $8B, and enterprise value of $7B.
Market Cap Evolution
Chime's stock price is $22.11.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $7B | $8B | 0.0% | XXX | XXX | XXX | $-2.70 |
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Start Free TrialChime Valuation Multiples
Chime trades at 3.2x EV/Revenue multiple, and 40.5x EV/EBITDA.
EV / Revenue (LTM)
Chime Financial Valuation Multiples
As of March 17, 2026, Chime has market cap of $8B and EV of $7B.
Equity research analysts estimate Chime's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Chime has a P/E ratio of (10.5x).
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $8B | XXX | $8B | XXX | XXX | XXX |
| EV (current) | $7B | XXX | $7B | XXX | XXX | XXX |
| EV/Revenue | 3.2x | XXX | 3.4x | XXX | XXX | XXX |
| EV/EBITDA | 40.5x | XXX | 58.0x | XXX | XXX | XXX |
| EV/EBIT | 50.7x | XXX | 82.1x | XXX | XXX | XXX |
| EV/Gross Profit | 3.6x | XXX | 3.8x | XXX | XXX | XXX |
| P/E | (10.5x) | XXX | (8.2x) | XXX | XXX | XXX |
| EV/FCF | 70.1x | XXX | 244.7x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Chime Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Chime Margins & Growth Rates
Chime's revenue in the last 12 month grew by 21%.
Chime's rule of 40 is 29% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Chime's rule of X is 60% (created by Bessemer, rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Chime Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 21% | XXX | 22% | XXX | XXX | XXX |
| EBITDA Margin | 8% | XXX | 6% | XXX | XXX | XXX |
| EBITDA Growth | 142% | XXX | 209% | XXX | XXX | XXX |
| Rule of 40 | — | XXX | 29% | XXX | XXX | XXX |
| Bessemer Rule of X | — | XXX | 60% | XXX | XXX | XXX |
| S&M Expenses to Revenue | 27% | XXX | 29% | XXX | XXX | XXX |
| G&A Expenses to Revenue | 21% | XXX | 23% | XXX | XXX | XXX |
| R&D Expenses to Revenue | 36% | XXX | 43% | XXX | XXX | XXX |
| Opex to Revenue | — | XXX | 136% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Chime Public Comps
See public comps and valuation multiples for other Neobanking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| KakaoBank | XXX | XXX | XXX | XXX | XXX | XXX |
| Rakuten Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Kakao Pay | XXX | XXX | XXX | XXX | XXX | XXX |
| Wise | XXX | XXX | XXX | XXX | XXX | XXX |
| Klarna | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Chime M&A Activity
Chime acquired XXX companies to date.
Last acquisition by Chime was on XXXXXXXX, XXXXX. Chime acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Chime
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
Get Verified M&A Valuation Multiples
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Start Free TrialChime Investment Activity
Chime invested in XXX companies to date.
Chime made its latest investment on XXXXXXXX, XXXXX. Chime invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Chime
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Chime
| When was Chime founded? | Chime was founded in 2012. |
| Where is Chime headquartered? | Chime is headquartered in United States. |
| Who is the CEO of Chime? | Chime's CEO is Christopher Britt. |
| Is Chime publicly listed? | Yes, Chime is a public company listed on Nasdaq. |
| What is the stock symbol of Chime? | Chime trades under CHYM ticker. |
| When did Chime go public? | Chime went public in 2025. |
| Who are competitors of Chime? | Chime main competitors are KakaoBank, Rakuten Bank, Kakao Pay, Wise. |
| What is the current market cap of Chime? | Chime's current market cap is $8B. |
| What is the current revenue of Chime? | Chime's last 12 months revenue is $2B. |
| What is the current revenue growth of Chime? | Chime revenue growth (NTM/LTM) is 21%. |
| What is the current EV/Revenue multiple of Chime? | Current revenue multiple of Chime is 3.2x. |
| Is Chime profitable? | Yes, Chime is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Chime? | Chime's last 12 months EBITDA is $181M. |
| What is Chime's EBITDA margin? | Chime's last 12 months EBITDA margin is 8%. |
| What is the current EV/EBITDA multiple of Chime? | Current EBITDA multiple of Chime is 40.5x. |
| What is the current FCF of Chime? | Chime's last 12 months FCF is $105M. |
| What is Chime's FCF margin? | Chime's last 12 months FCF margin is 5%. |
| What is the current EV/FCF multiple of Chime? | Current FCF multiple of Chime is 70.1x. |
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