Chime Financial, Inc. Class A Common Stock Financial Flexibility Index

Latest as of June 2026: 0.37x

Chime Financial, Inc. Class A Common Stock financial flexibility index. Chime Financial, Inc. Class A Common Stock (CHYM) has a Financial Flexibility Index of 0.37x as of June 2026. Free cash flow of $216.59 Million (operating CF $207.48 Million minus capex $9.11 Million) represents 0% of total liabilities ($591.83 Million). See CHYM cash flow after capex ratio to measure how efficiently the company converts operating cash flow to free cash.

Financial Flexibility Index

0.37x
Free Cash Flow / Total Liabilities

Free Cash Flow

$216.59 Million
Operating CF − Capex

Total Liabilities

$591.83 Million
USD

Capital Expenditures

$9.11 Million
USD

Financial Flexibility Index of Chime Financial, Inc. Class A Common Stock (2022–2025)

Financial flexibility index of Chime Financial, Inc. Class A Common Stock from 2022 to 2025. Historical Financial Flexibility Index trend for Chime Financial, Inc. Class A Common Stock across 4 annual periods. Check Chime Financial, Inc. Class A Common Sto (CHYM) cash flow quality to evaluate the quality of earnings relative to operating cash generation.

Chime Financial, Inc. Class A Common Stock Financial Flexibility Index by Year (2022–2025)

Chime Financial, Inc. Class A Common Stock financial flexibility index by year from 2022 to 2025. Year-by-year free cash flow to debt coverage for Chime Financial, Inc. Class A Common Stock. For the full cash flow conversion analysis, see Chime Financial, Inc. Class A Common Sto (CHYM) cash conversion ratio.

Year Flexibility Index Free Cash Flow (USD) Operating CF Total Liabilities YoY Change
2025 0.13x $72.67 Million $52.78 Million $562.90 Million ▼ -17.6%
2024 0.16x $78.61 Million $64.14 Million $501.52 Million ▲ +146.7%
2023 -0.34x $-128.78 Million $-156.59 Million $383.74 Million ▲ +70.6%
2022 -1.14x $-361.22 Million $-434.13 Million $316.71 Million —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities