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Chime FinancialCHYM +1.01%12 Debt-to-EBITDA is 1.13 as of Jun. 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 1,718 Software companies, Chime Financial ranks worse than 58207.16% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Chime Financial's Debt-to-EBITDA or its related term are showing as below:
CHYM'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -6.4 Med: -0.34 Max: -0.13
Current: -6.4
During the past 4 years, the highest Debt-to-EBITDA Ratio of Chime Financial was -0.13. The lowest was -6.40. And the median was -0.34.
CHYM's Debt-to-EBITDA is ranked worse than 100% of 1718
companies
in the Software industry
Industry Median: 0.98
vs CHYM: -6.40
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Chime Financial Debt-to-EBITDA Related Terms
Chime Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Chime Financial's Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Chime Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Chime Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Chime Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Chime Financial (CHYM) has a Debt-to-EBITDA of 1.13 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Chime Financial. According to the industry distribution chart, Chime Financial ranks #999999 out of 1718 companies in the Software industry.
Is Chime Financial's Debt-to-EBITDA too high?
Chime Financial's current Debt-to-EBITDA is 1.13. The Software industry median Debt-to-EBITDA is 0.98. Chime Financial's value of 1.13 is 15.3% above this industry median. Based on the distribution chart, Chime Financial ranks #999999 out of 1718 companies in the Software industry, which is in the bottom quartile 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 Debt-to-EBITDA compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #999999 out of 1718 companies for Debt-to-EBITDA. This places Chime Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 0.98. Chime Financial's value of 1.13 is 15.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 0.98, based on 1,718 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current Debt-to-EBITDA of 1.13 is 15.3% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Chime Financial. For the Software industry, the median Debt-to-EBITDA is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current Debt-to-EBITDA is 1.13. 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 Debt-to-EBITDA of 1.13. The current Debt-to-EBITDA is 1.13 and 15.3% above the Software industry median of 0.98. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Chime Financial (CHYM), the current Debt-to-EBITDA is 1.13 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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