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Chime FinancialCHYM +1.01%12 Gross Margin % is 88.82% as of Jun. 2026, which is 4% above its 10-year median of 85.21. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,676 Software companies, Chime Financial ranks better than 94.66% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Chime Financial had a gross margin of 88.82% for the quarter that ended in Jun. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Chime Financial Gross Margin % Related Terms
Chime Financial Gross Margin % Historical Data
* Premium members only.
The historical data trend for Chime Financial's Gross 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.
CHYM vs DOCU, FROG, HUBS: Gross Margin % Comparison
For the Software - Application subindustry, Chime Financial's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Software Industry
For the Software industry and Technology sector, Chime Financial's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Chime Financial's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Chime Financial (CHYM) has a Gross Margin % of 88.82% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Chime Financial and its competitors. This is near median its historical median of 85.21. Over the past decade, Chime Financial's Gross Margin % has ranged from 78.72 to 88.71. According to the industry distribution chart, Chime Financial ranks #143 out of 2676 companies in the Software industry, placing it in the top 5.3%.
Is Chime Financial's Gross Margin % too high?
Chime Financial's current Gross Margin % of 88.82% is near median its 10-year median of 85.21. Over the past 10 years, this metric has ranged from a low of 78.72 to a high of 88.71. The Software industry median Gross Margin % is 40.18. Chime Financial's value of 88.82% is 121.1% above this industry median. Based on the distribution chart, Chime Financial ranks #143 out of 2676 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 Gross Margin % compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #143 out of 2676 companies for Gross Margin %. This places Chime Financial in the top 5% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 40.18. Chime Financial's value of 88.82% is 121.1% above this benchmark. Historically, Chime Financial's own Gross Margin % has ranged from 78.72 to 88.71 over the past decade. While the company's 10-year median is 85.21 vs. the industry median of 40.18, 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 Gross Margin % for a Software company?
The median Gross Margin % among Software companies is 40.18, based on 2,676 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current Gross Margin % of 88.82% is 121.1% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Chime Financial and its competitors. For the Software industry, the median Gross Margin % is 40.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current Gross Margin % is 88.82%, which is near median its own 10-year median of 85.21. 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 Gross Margin % of 88.82%. The current Gross Margin % is 88.82%, which is near median its 10-year median of 85.21 and 121.1% above the Software industry median of 40.18. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Chime Financial (CHYM), the current Gross Margin % is 88.82% 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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