CHYMChime Financial, Inc.
Finance Services
- Revenue
- $2.2B
- 31% YoY
- Operating margin
- -47.6%
- 1179% YoY
- EBITDA
- −$1.0B
- 2642% YoY
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 2 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear—Cash flow under 80% of net income
- Dilutive SBCFired49% of revenueOver 10% of revenue
- Payouts exceed cash flowFired147% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|
| Revenue | $1.3B | $1.7B | $2.2B | 31% |
| Operating income | −$236M | −$62M | −$1.0B | 1572% |
| Net income | −$203M | −$25M | −$1.0B | 3885% |
| Operating cash flow | −$157M | $64M | $53M | 18% |
| Capex | $11M | $5M | $20M | 313% |
| Stock-based comp | $26M | $30M | $1.1B | 3488% |
| Buybacks | $61K | $950K | $78M | 8062% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $99M | $83M | 68 | 122 |