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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Chime Financial's Enterprise Value is $11,561 Mil.
Chime Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 was $-51 Mil. Therefore, Chime Financial's EV-to-EBIT ratio for today is -226.71.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, Chime Financial's Enterprise Value is $11,561 Mil.
Chime Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $-20 Mil. Therefore, Chime Financial's EV-to-EBITDA ratio for today is -565.60.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Chime Financial's Enterprise Value is $11,561 Mil.
Chime Financial's Revenue for the trailing twelve months (TTM) ended in Jun. 2026 was $2,457 Mil. Therefore, Chime Financial's EV-to-Revenue ratio for today is 4.71.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Chime Financial's Enterprise Value is $11,561 Mil.
Chime Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was $309 Mil. Therefore, Chime Financial's EV-to-FCF ratio for today is 37.43.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Chime Financial (NAS:CHYM) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Chime Financial's current Enterprise Value is $11,561 Mil.
Chime Financial's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-51 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Chime Financial's current Enterprise Value is $11,561 Mil.
Chime Financial's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-20 Mil.
Chime Financial's current Enterprise Value is $11,561 Mil.
Chime Financial's Revenue for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2,457 Mil.
Chime Financial's current Enterprise Value is $11,561 Mil.
Chime Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $345 Mil.
Chime Financial's current Enterprise Value is $11,561 Mil.
Chime Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $309 Mil.
* 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 Enterprise Value Related Terms
Chime Financial Enterprise Value Historical Data
* Premium members only.
The historical data trend for Chime Financial's Enterprise Value 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: Enterprise Value Comparison
For the Software - Application subindustry, Chime Financial's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Software Industry
For the Software industry and Technology sector, Chime Financial's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Chime Financial's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Chime Financial's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of $11,561 Mil as of Sep. 11, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Chime Financial and its competitors.
Is Chime Financial's Enterprise Value too high?
Chime Financial's current Enterprise Value is $11,561 Mil. 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 Enterprise Value compare to DOCU and FROG?
Chime Financial's Enterprise Value of $11,561 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Enterprise Value for a Software company?
A good Enterprise Value depends on the Software industry context. However, Enterprise Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Chime Financial and its competitors. Chime Financial's current Enterprise Value is $11,561 Mil. 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 Enterprise Value of $11,561 Mil. The current Enterprise Value is $11,561 Mil. 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Chime Financial (CHYM), the current Enterprise Value is $11,561 Mil as of Sep. 11, 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.
12GF Score
Get the complete analysis for CHYM
Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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