CHYM (Chime Financial) FCF Margin %: 29.49% (As of Jun. 2026)

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CHYM Chime Financial Inc CHYM
12 GF Score
Price $33.00
! 6 Warning Signs
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What is Chime Financial FCF Margin %?

Chime Financial CHYM +1.01% 12 FCF Margin % is 29.49% as of Jun. 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,817 Software companies, Chime Financial ranks better than 75.75% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Chime Financial's Free Cash Flow for the three months ended in Jun. 2026 was $198 Mil. Chime Financial's Revenue for the three months ended in Jun. 2026 was $670 Mil. Therefore, Chime Financial's FCF Margin % for the quarter that ended in Jun. 2026 was 29.49%.

As of today, Chime Financial's current FCF Yield % is 2.47%.

The historical rank and industry rank for Chime Financial's FCF Margin % or its related term are showing as below:

CHYM' s FCF Margin % Range Over the Past 10 Years
Min: -50.26   Med: -6.66   Max: 12.57
Current: 12.57

During the past 4 years, the highest FCF Margin % of Chime Financial was 12.57%. The lowest was -50.26%. And the median was -6.66%.

CHYM's FCF Margin % is ranked better than
75.75% of 2817 companies
in the Software industry
Industry Median: 2 vs CHYM: 12.57

Chime Financial FCF Margin % Related Terms

Chime Financial FCF Margin % Historical Data

* Premium members only.

The historical data trend for Chime Financial's FCF Margin % 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.

Chime Financial FCF Margin % Chart

Chime Financial Annual Data
Trend Dec22 Dec23 Dec24 Dec25
FCF Margin %
-50.26 -14.42 2.97 1.10

Chime Financial Quarterly Data
Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4.41 2.53 2.95 12.36 29.49

CHYM vs DOCU, FROG, HUBS: FCF Margin % Comparison

For the Software - Application subindustry, Chime Financial's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Software Industry

For the Software industry and Technology sector, Chime Financial's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Chime Financial's FCF Margin % falls into.


CHYM
12GF Score
Chime Financial Inc CHYM
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Chime Financial FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Chime Financial's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=24.06/2186.77
=1.10 %

Chime Financial's FCF Margin for the quarter that ended in Jun. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=197.537/669.768
=29.49 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of 29.49% mean?
Chime Financial (CHYM) has a FCF Margin % of 29.49% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Chime Financial and its competitors. According to the industry distribution chart, Chime Financial ranks #683 out of 2817 companies in the Software industry, placing it in the top 24.2%.
Is Chime Financial's FCF Margin % too high?
Chime Financial's current FCF Margin % is 29.49%. The Software industry median FCF Margin % is 2.00. Chime Financial's value of 29.49% is 1374.5% above this industry median. Based on the distribution chart, Chime Financial ranks #683 out of 2817 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 FCF Margin % compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #683 out of 2817 companies for FCF Margin %. This places Chime Financial in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.00. Chime Financial's value of 29.49% is 1374.5% 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 FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.00, based on 2,817 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current FCF Margin % of 29.49% is 1374.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Chime Financial and its competitors. For the Software industry, the median FCF Margin % is 2.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current FCF Margin % is 29.49%. 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 FCF Margin % of 29.49%. The current FCF Margin % is 29.49% and 1374.5% above the Software industry median of 2.00. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Chime Financial (CHYM), the current FCF Margin % is 29.49% 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 Business Description

Address 101 California Street, Suite 500, San Francisco, CA, USA, 94111
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

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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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