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Chime FinancialCHYM +1.01%12 ROA % is 5.64% as of Jun. 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review. Among 2,889 Software companies, Chime Financial ranks worse than 59.92% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Chime Financial's annualizedNet Income for the quarter that ended in Jun. 2026 was $111 Mil.
Chime Financial's average Total Assets over the quarter that ended in Jun. 2026 was $1,974 Mil. Therefore, Chime Financial's annualized ROA % for the quarter that ended in Jun. 2026 was 5.64%.
The historical rank and industry rank for Chime Financial's ROA % or its related term are showing as below:
CHYM'
s ROA % Range Over the Past 10 Years
Min: -58.96 Med: -24.01 Max: -0.93
Current: -0.93
During the past 4 years, Chime Financial's highest ROA % was -0.93%. The lowest was -58.96%. And the median was -24.01%.
CHYM's ROA % is ranked worse than 59.92% of 2889
companies
in the Software industry
Industry Median: 1.71
vs CHYM: -0.93
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Chime Financial ROA % Related Terms
Chime Financial ROA % Historical Data
* Premium members only.
The historical data trend for Chime Financial's ROA % 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.
For the Software - Application subindustry, Chime Financial's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Software Industry
For the Software industry and Technology sector, Chime Financial's ROA % distribution charts can be found below:
* The bar in red indicates where Chime Financial's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Chime Financial (CHYM) has a ROA % of 5.64% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Chime Financial and its competitors. According to the industry distribution chart, Chime Financial ranks #1731 out of 2889 companies in the Software industry, placing it in the top 59.9%.
Is Chime Financial's ROA % too high?
Chime Financial's current ROA % is 5.64%. The Software industry median ROA % is 1.71. Chime Financial's value of 5.64% is 229.8% above this industry median. Based on the distribution chart, Chime Financial ranks #1731 out of 2889 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 ROA % compare to DOCU and FROG?
According to the Software industry distribution chart, Chime Financial ranks #1731 out of 2889 companies for ROA %. This places Chime Financial in the lower half of its industry. The industry median ROA % is 1.71. Chime Financial's value of 5.64% is 229.8% 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 ROA % for a Software company?
The median ROA % among Software companies is 1.71, based on 2,889 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current ROA % of 5.64% is 229.8% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Chime Financial and its competitors. For the Software industry, the median ROA % is 1.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current ROA % is 5.64%. 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 ROA % of 5.64%. The current ROA % is 5.64% and 229.8% above the Software industry median of 1.71. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Chime Financial (CHYM), the current ROA % is 5.64% 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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