CHYM NASDAQ
Chime Financial, Inc. Class A Common Stock
1W: -6.3%
1M: +7.0%
3M: +27.3%
YTD: +8.1%
1Y: +51.5%
$28.55
+0.00 (+0.00%)
Weekly Expected Move ±4.7%
$27
$28
$30
$31
$32
Credit Risk of going bust: lower than 72% of companies Debt: 1.2% of company value Bonds: none of note held by US funds details ▾
Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.04 (down 99.8%), Chime Financial, Inc. Class A Common Stock would be worth roughly what it owes.
Total debt $130.9M against a stock market value of $10.81B.
Distance to default 8.03 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $65.4M (short-term plus half of long-term), stock volatility 62.2%; Altman Z'' 2.83. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
If the stock fell to about $0.04 (down 99.8%), Chime Financial, Inc. Class A Common Stock would be worth roughly what it owes.
Total debt $130.9M against a stock market value of $10.81B.
Distance to default 8.03 (Merton model): prices to 2026-10-27, balance sheet 2026-06-30, debt counted $65.4M (short-term plus half of long-term), stock volatility 62.2%; Altman Z'' 2.83. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
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Operating Cash Flow
$53M
-17.7% ▼
Capital Expenditures
$20M
-37.4% ▼
3Y CAGR: -35.1%
Free Cash Flow
$33M
-33.8% ▼
Dividends Paid
$0
+0.0% ▲
Buybacks
$78M
-8061.9% ▼
Net Change in Cash
$131M
+18.6% ▲
Cash Flow Composition
Year-over-Year Growth
View Full Cash Flow Statement
| Line Item | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| — Operating Activities — | ||||
| Net Income | -$470M | -$203M | -$25M | -$1.0B |
| Depreciation & Amort. | $7M | $13M | $25M | $25M |
| Stock-Based Comp. | $28M | $26M | $30M | $1.1B |
| Change in Working Capital | -$159M | -$137M | -$104M | -$234M |
| Other Non-Cash Items | $159M | $144M | $138M | $201M |
| Operating Cash Flow | -$434M | -$157M | $64M | $53M |
| — Investing Activities — | ||||
| Capital Expenditures | -$49M | -$11M | -$5M | -$20M |
| Acquisitions (Net) | $0 | $0 | -$13M | $0 |
| Investment Purchases | -$427M | -$611M | -$498M | -$5.7B |
| Investment Sales | $650M | $805M | $701M | $521M |
| Other Investing | -$24M | -$17M | -$140M | $4.9B |
| Investing Cash Flow | $151M | $167M | $46M | -$290M |
| — Financing Activities — | ||||
| Net Debt Issuance | $0 | $0 | $0 | $0 |
| Stock Repurchased | -$508K | -$61K | -$950K | -$78M |
| Dividends Paid | $0 | $0 | $0 | $0 |
| Other Financing | $2M | $903K | $1M | -$351M |
| Financing Cash Flow | $1M | $842K | $456K | $368M |
| Net Change in Cash | -$283M | $11M | $110M | $131M |
| Cash End of Period | $228M | $240M | $350M | $481M |
| Free Cash Flow | -$507M | -$184M | $50M | $33M |