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Chime FinancialCHYM +1.01%12 Current Ratio is 4.62 as of Jun. 2026, which is at its 10-year median of 4.62. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,872 Software companies, Chime Financial ranks better than 85.65% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Chime Financial's current ratio for the quarter that ended in Jun. 2026 was 4.62.
Chime Financial has a current ratio of 4.62. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Chime Financial's Current Ratio or its related term are showing as below:
CHYM'
s Current Ratio Range Over the Past 10 Years
Min: 3.43 Med: 4.62 Max: 5.9
Current: 4.62
During the past 4 years, Chime Financial's highest Current Ratio was 5.90. The lowest was 3.43. And the median was 4.62.
CHYM's Current Ratio is ranked better than 85.65% of 2872
companies
in the Software industry
Industry Median: 1.77
vs CHYM: 4.62
Chime Financial (NAS:CHYM) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Chime Financial Current Ratio Related Terms
Chime Financial Current Ratio Historical Data
* Premium members only.
The historical data trend for Chime Financial's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHYM vs DOCU, FROG, HUBS: Current Ratio Comparison
For the Software - Application subindustry, Chime Financial's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Chime Financial Current Ratio vs Software Industry
For the Software industry and Technology sector, Chime Financial's Current Ratio distribution charts can be found below:
* The bar in red indicates where Chime Financial's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Chime Financial (CHYM) has a Current Ratio of 4.62 as of Jun. 2026. This is near median its historical median of 4.62. Over the past decade, Chime Financial's Current Ratio has ranged from 3.43 to 5.90. According to the industry distribution chart, Chime Financial ranks #412 out of 2872 companies in the Software industry, placing it in the top 14.3%.
Is Chime Financial's Current Ratio too high?
Chime Financial's current Current Ratio of 4.62 is near median its 10-year median of 4.62. Over the past 10 years, this metric has ranged from a low of 3.43 to a high of 5.90. The Software industry median Current Ratio is 1.77. Chime Financial's value of 4.62 is 161% above this industry median. Based on the distribution chart, Chime Financial ranks #412 out of 2872 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Chime Financial has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Chime Financial's Current Ratio compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #412 out of 2872 companies for Current Ratio. This places Chime Financial in the top 14% of its industry — outperforming the majority of peers. The industry median Current Ratio is 1.77. Chime Financial's value of 4.62 is 161% above this benchmark. Historically, Chime Financial's own Current Ratio has ranged from 3.43 to 5.90 over the past decade. While the company's 10-year median is 4.62 vs. the industry median of 1.77, Chime Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Software company?
The median Current Ratio among Software companies is 1.77, based on 2,872 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current Current Ratio of 4.62 is 161% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Current Ratio is 1.77 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current Current Ratio is 4.62, which is near median its own 10-year median of 4.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chime Financial stock overvalued right now?
Chime Financial (CHYM) has a current Current Ratio of 4.62. The current Current Ratio is 4.62, which is near median its 10-year median of 4.62 and 161% above the Software industry median of 1.77. Chime Financial's overall GF Score™ is 12/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Chime Financial (CHYM), the current Current Ratio is 4.62 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Chime Financial Inc is a financial technology company that provides digital banking services through its proprietary technology platform in partnership with third-party banks. The company offers various financial products and services designed to meet members' financial needs, including spending accounts, liquidity solutions, credit-building tools, savings products, and community-focused financial services.
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