Chime Financial, Inc. (CHYM) intrinsic value & 10-year financials
Chime Financial, Inc. (CHYM) has no Graham intrinsic value right now because the formula needs positive earnings. Over the last 4 fiscal years revenue grew 30.8% a year to $2.2B, with an average return on invested capital of 66.6%.
- Graham intrinsic value
- —
- Share price (Oct 17, 2026)
- $29.67
- Market cap
- $7.0B
- Revenue (FY2025)
- $2.2B
- Revenue growth (4-yr CAGR)
- 30.8%
- ROIC (10-yr avg)
- 66.6%
- Free cash flow (FY2025)
- $32.9M
CHYM 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $2.2B | -$1.0B | -$4.27 | $32.9M | -47.6% | 184.2% |
| FY2024 | $1.7B | -$25.3M | -$0.39 | $59.3M | -3.7% | 2.8% |
| FY2023 | $1.3B | -$203.2M | -$3.22 | -$167.1M | -18.4% | 12.6% |
| FY2022 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Chime Financial, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Chime Financial, Inc. has historically struggled to out-earn its cost of capital, averaging just 2.3% ROIC.
Chime Financial, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Chime Financial, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $-141.83 per share.