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Chime FinancialCHYM +1.01%12 Debt-to-Equity is 0.09 as of Jun. 2026, which is at its 10-year median of 0.09. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,241 Software companies, Chime Financial ranks better than 67.92% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Chime Financial's Debt-to-Equity or its related term are showing as below:
CHYM'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.06 Med: 0.09 Max: 0.11
Current: 0.09
During the past 4 years, the highest Debt-to-Equity Ratio of Chime Financial was 0.11. The lowest was 0.06. And the median was 0.09.
CHYM's Debt-to-Equity is ranked better than 67.92% of 2241
companies
in the Software industry
Industry Median: 0.21
vs CHYM: 0.09
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Chime Financial Debt-to-Equity Related Terms
Chime Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Chime Financial's Debt-to-Equity 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-Equity Comparison
For the Software - Application subindustry, Chime Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Software Industry
For the Software industry and Technology sector, Chime Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Chime Financial's Debt-to-Equity 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 Debt-to-Equity of 0.09 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chime Financial and its competitors. This is near median its historical median of 0.09. Over the past decade, Chime Financial's Debt-to-Equity has ranged from 0.06 to 0.11. According to the industry distribution chart, Chime Financial ranks #719 out of 2241 companies in the Software industry, placing it in the top 32.1%.
Is Chime Financial's Debt-to-Equity too high?
Chime Financial's current Debt-to-Equity of 0.09 is near median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Software industry median Debt-to-Equity is 0.21. Chime Financial's value of 0.09 is 57.1% below this industry median. Based on the distribution chart, Chime Financial ranks #719 out of 2241 companies in the Software industry, which is above the industry midpoint. 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-Equity compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #719 out of 2241 companies for Debt-to-Equity. This puts Chime Financial in the upper half of its industry. The industry median Debt-to-Equity is 0.21. Chime Financial's value of 0.09 is 57.1% below this benchmark. Historically, Chime Financial's own Debt-to-Equity has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.21, Chime Financial has consistently been below 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 Debt-to-Equity for a Software company?
The median Debt-to-Equity among Software companies is 0.21, based on 2,241 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current Debt-to-Equity of 0.09 is 57.1% below 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Chime Financial and its competitors. For the Software industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current Debt-to-Equity is 0.09, which is near median its own 10-year median of 0.09. 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-Equity of 0.09. The current Debt-to-Equity is 0.09, which is near median its 10-year median of 0.09 and 57.1% below the Software industry median of 0.21. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Chime Financial (CHYM), the current Debt-to-Equity is 0.09 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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