CHYM (Chime Financial) ROCE %: 5.30% (As of Jun. 2026)

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CHYM Chime Financial Inc CHYM
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What is Chime Financial ROCE %?

Chime Financial CHYM +1.01% 12 ROCE % is 5.30% as of Jun. 2026. GuruFocus rates CHYM with a GF Score™ of 12/100. The stock has 6 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Chime Financial's annualized ROCE % for the quarter that ended in Jun. 2026 was 5.30%.

Chime Financial  (NAS:CHYM) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Chime Financial ROCE % Related Terms

Chime Financial ROCE % Historical Data

* Premium members only.

The historical data trend for Chime Financial's ROCE % 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 ROCE % Chart

Chime Financial Annual Data
Trend Dec22 Dec23 Dec24 Dec25
ROCE %
-39.82 -21.11 -5.87 -78.11

Chime Financial Quarterly Data
Dec22 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -281.45 -16.44 -13.51 11.60 5.30
CHYM
12GF Score
Chime Financial Inc CHYM
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Chime Financial ROCE % Calculation

Chime Financial's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=-1039.979/( ( (1461.037 - 374.817) + (1964.605 - 387.924) )/ 2 )
=-1039.979/( (1086.22+1576.681)/ 2 )
=-1039.979/1331.4505
=-78.11 %

Chime Financial's ROCE % of for the quarter that ended in Jun. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jun. 2026 )  (Q: Mar. 2026 )(Q: Jun. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jun. 2026 )  (Q: Mar. 2026 )(Q: Jun. 2026 )
=85.288/( ( (1950.383 - 344.099) + (1996.649 - 387.217) )/ 2 )
=85.288/( ( 1606.284 + 1609.432 )/ 2 )
=85.288/1607.858
=5.30 %

(1) Note: The EBIT data used here is four times the quarterly (Jun. 2026) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 5.30% mean?
Chime Financial (CHYM) has a ROCE % of 5.30% as of Jun. 2026.
Is Chime Financial's ROCE % too high?
Chime Financial's current ROCE % is 5.30%. The Software industry median ROCE % is 5.62. Chime Financial's value of 5.30% is 5.7% below this industry median. 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 ROCE % compare to DOCU and FROG?
Chime Financial's ROCE % of 5.30% can be compared against companies in the Software industry. The industry median ROCE % is 5.62. Chime Financial's value of 5.30% is 5.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Software company?
The median ROCE % among Software companies is 5.62, based on 2,715 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Chime Financial's current ROCE % of 5.30% is 5.7% below 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median ROCE % is 5.62 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Chime Financial's current ROCE % is 5.30%. 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 ROCE % of 5.30%. The current ROCE % is 5.30% and 5.7% below the Software industry median of 5.62. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Chime Financial (CHYM), the current ROCE % is 5.30% 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.
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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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