Chime - Public Comps and Valuation Multiples

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

chime.com

Sectors

Electronic Trading
Wealth Solutions
Neobanking
WealthTech
FinTech

Financials

LTM Revenue $2.2B

LTM EBITDA $118M

EV

$8.4B

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Chime Financials

As of December 2025, Chime reported last 12-month revenue of $2.2B and EBITDA of $118M.

In the same period, Chime generated $1.9B in LTM gross profit and -$1.0B in net income.

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Chime P&L

In the most recent fiscal year, Chime reported revenue of $1.7B and EBITDA of -$36.8M.

Chime expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue	$2.2B	XXX	$1.7B	XXX	XXX	XXX
Gross Profit	$1.9B	XXX	$1.5B	XXX	XXX	XXX
Gross Margin	88%	XXX	88%	XXX	XXX	XXX
EBITDA	$118M	XXX	-$36.8M	XXX	XXX	XXX
EBITDA Margin	5%	XXX	-2%	XXX	XXX	XXX
EBIT	$80.5M	XXX	-$62.2M	XXX	XXX	XXX
EBIT Margin	4%	XXX	-4%	XXX	XXX	XXX
Net Profit	-$1.0B	XXX	-$25.3M	XXX	XXX	XXX
Net Margin	-47%	XXX	-2%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Chime including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $2.2B. EBITDA for the last twelve months was $118M. In the most recent fiscal year, Chime achieved $1.7B in revenue and -$36.8M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2026)	Next Fiscal Year (2027)	Two Years Forward (2028)
Total Revenue	$2.2B	Analyst estimates available to subscribers	$1.7B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	$1.9B	Analyst estimates available to subscribers	$1.5B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	88.0% gross margin	Analyst estimates available to subscribers	87.6% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$118M	Analyst estimates available to subscribers	-$36.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	5.4% EBITDA margin	Analyst estimates available to subscribers	-2.2% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$80.5M	Analyst estimates available to subscribers	-$62.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	3.7% EBIT margin	Analyst estimates available to subscribers	-3.7% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	-$1.0B	Analyst estimates available to subscribers	-$25.3M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	-47.0% net profit margin	Analyst estimates available to subscribers	-1.5% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Chime

This financial data table provides comprehensive performance metrics for Chime, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Chime generated $2.2B in revenue over the last twelve months.
The company achieved $118M in EBITDA over the last twelve months.
Gross profit for the last twelve months was $1.9B.
Net income over the last twelve months reached -$1.0B.

Fiscal Year Performance

In the most recent fiscal year, Chime reported $1.7B in total revenue.
Fiscal year EBITDA was -$36.8M.
The company maintained a gross profit margin of 87.6% in the most recent fiscal year.
EBITDA margin for the fiscal year was -2.2%.
Net profit margin reached -1.5% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Chime. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Chime Stock Performance

Chime has current market cap of $9.3B, and EV of $8.4B.

Market Cap Evolution

Chime Stock Data

As of January 30, 2026, Chime's stock price is $25.

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$8.4B	$9.3B	XXX	XXX	XXX	XXX	$-4.49

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Chime Valuation Multiples

Chime's trades at 3.9x EV/Revenue multiple, and 71.2x EV/EBITDA.

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Chime Financial Valuation Multiples

As of January 30, 2026, Chime has market cap of $9.3B and EV of $8.4B.

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 -9.1x.

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Market cap (current)	$9.3B	XXX	$9.3B	XXX	XXX	XXX
EV (current)	$8.4B	XXX	$8.4B	XXX	XXX	XXX
EV/Revenue	3.9x	XXX	3.9x	XXX	XXX	XXX
EV/EBITDA	71.2x	XXX	71.2x	XXX	XXX	XXX
EV/EBIT	104.1x	XXX	104.1x	XXX	XXX	XXX
EV/Gross Profit	4.4x	XXX	n/a	XXX	XXX	XXX
P/E	-9.1x	XXX	-9.1x	XXX	XXX	XXX
EV/FCF	159.6x	XXX	159.6x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Chime Margins & Growth Rates

Chime's last 12 month revenue growth is 20%

Chime's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Chime's rule of 40 is 3% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Chime's rule of X is 56% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Chime Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2026	FY 2027	FY 2028
Revenue Growth	20%	XXX	19%	XXX	XXX	XXX
EBITDA Margin	5%	XXX	5%	XXX	XXX	XXX
EBITDA Growth	169%	XXX	n/a	XXX	XXX	XXX
Rule of 40	3%	XXX	26%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	56%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	31%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	19%	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	91%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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