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Chime FinancialCHYM +1.01%12 Pretax Margin % is 4.19% as of Jun. 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,824 Software companies, Chime Financial ranks worse than 60.52% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Chime Financial Pretax Margin % Related Terms
Chime Financial Pretax Margin % Historical Data
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The historical data trend for Chime Financial's Pretax 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: Pretax Margin % Comparison
For the Software - Application subindustry, Chime Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Software Industry
For the Software industry and Technology sector, Chime Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Chime Financial's Pretax 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.
Chime Financial (CHYM) has a Pretax Margin % of 4.19% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Chime Financial and its competitors. According to the industry distribution chart, Chime Financial ranks #1709 out of 2824 companies in the Software industry, placing it in the top 60.5%.
Is Chime Financial's Pretax Margin % too high?
Chime Financial's current Pretax Margin % is 4.19%. The Software industry median Pretax Margin % is 3.60. Chime Financial's value of 4.19% is 16.4% above this industry median. Based on the distribution chart, Chime Financial ranks #1709 out of 2824 companies in the Software industry, which is below 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 Pretax Margin % compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #1709 out of 2824 companies for Pretax Margin %. This places Chime Financial in the lower half of its industry. The industry median Pretax Margin % is 3.60. Chime Financial's value of 4.19% is 16.4% 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 Pretax Margin % for a Software company?
The median Pretax Margin % among Software companies is 3.60, based on 2,824 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current Pretax Margin % of 4.19% is 16.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Chime Financial and its competitors. For the Software industry, the median Pretax Margin % is 3.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current Pretax Margin % is 4.19%. 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 Pretax Margin % of 4.19%. The current Pretax Margin % is 4.19% and 16.4% above the Software industry median of 3.60. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Chime Financial (CHYM), the current Pretax Margin % is 4.19% 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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