Chime Financial, Inc. Class A Common Stock
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions. It offers Chime, a banking application for providing mobile banking services that address the need of people, such as their spending, saving, accessing liquidity, building credit, savings and perks, community, and support and security. Chime Financial, Inc. was formerly known as 1Debit … Read more
Chime Financial, Inc. Class A Common Stock (CHYM) - Net Assets
Latest net assets as of December 2025: $1.40 Billion USD
Based on the latest financial reports, Chime Financial, Inc. Class A Common Stock (CHYM) has net assets worth $1.40 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.96 Billion) and total liabilities ($562.90 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.40 Billion |
| % of Total Assets | 71.35% |
| Annual Growth Rate | 8.38% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 25.67 |
Chime Financial, Inc. Class A Common Stock - Net Assets Trend (2022–2025)
This chart illustrates how Chime Financial, Inc. Class A Common Stock's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Chime Financial, Inc. Class A Common Stock (2022–2025)
The table below shows the annual net assets of Chime Financial, Inc. Class A Common Stock from 2022 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.40 Billion | +46.08% |
| 2024-12-31 | $959.52 Million | +2.46% |
| 2023-12-31 | $936.51 Million | -14.94% |
| 2022-12-31 | $1.10 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Chime Financial, Inc. Class A Common Stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 123848200000.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $31.00K | 0.00% |
| Other Comprehensive Income | $172.00K | 0.01% |
| Other Components | $4.78 Billion | 340.70% |
| Total Equity | $1.40 Billion | 100.00% |
Chime Financial, Inc. Class A Common Stock Competitors by Market Cap
The table below lists competitors of Chime Financial, Inc. Class A Common Stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Banco Bpm SpA
LSE:0RLA
|
$4.49 Billion |
|
CMS ENERGY PRF.SH.C DL25
F:CSG0
|
$4.50 Billion |
|
SDIC Power Holdings Co Ltd
SHG:600886
|
$4.50 Billion |
|
Monotaro Co Ltd
PINK:MONOY
|
$4.50 Billion |
|
WHITE MTNS INS. GRP DL 1
F:WNI
|
$4.49 Billion |
|
LTIMindtree Limited
NSE:LTM
|
$4.49 Billion |
|
Louisiana-Pacific Corporation
NYSE:LPX
|
$4.49 Billion |
|
Hargreaves Lansdown plc
PINK:HRGLF
|
$4.49 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Chime Financial, Inc. Class A Common Stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 959,521,000 to 1,401,706,000, a change of 442,185,000 (46.1%).
- Net loss of 1,009,936,000 reduced equity.
- Share repurchases of 77,538,000 reduced equity.
- Other comprehensive income decreased equity by 31,000.
- Other factors increased equity by 1,529,690,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-1.01 Billion | -72.05% |
| Share Repurchases | $77.54 Million | -5.53% |
| Other Comprehensive Income | $-31.00K | -0.0% |
| Other Changes | $1.53 Billion | +109.13% |
| Total Change | $- | 46.08% |
Book Value vs Market Value Analysis
This analysis compares Chime Financial, Inc. Class A Common Stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 34.30x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 6.74x to 34.30x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2022-12-31 | $3.02 | $20.35 | x |
| 2023-12-31 | $2.57 | $20.35 | x |
| 2024-12-31 | $2.63 | $20.35 | x |
| 2025-12-31 | $0.59 | $20.35 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Chime Financial, Inc. Class A Common Stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -72.05%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -46.18%
- • Asset Turnover: 1.11x
- • Equity Multiplier: 1.40x
- Recent ROE (-72.05%) is below the historical average (-34.77%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2022 | -42.71% | -46.61% | 0.71x | 1.29x | $-580.36 Million |
| 2023 | -21.70% | -15.89% | 0.97x | 1.41x | $-296.85 Million |
| 2024 | -2.64% | -1.51% | 1.15x | 1.52x | $-121.30 Million |
| 2025 | -72.05% | -46.18% | 1.11x | 1.40x | $-1.15 Billion |
Industry Comparison
This section compares Chime Financial, Inc. Class A Common Stock's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $679,817,884
- Average return on equity (ROE) among peers: -17.13%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Chime Financial, Inc. Class A Common Stock (CHYM) | $1.40 Billion | -42.71% | 0.40x | $4.49 Billion |
| Abaxx Technologies Inc (ABXXF) | $42.03 Million | -128.66% | 0.23x | $201.28 Million |
| Acceleware Ltd (ACWRF) | $849.93K | -14.47% | 0.09x | $8.62 Million |
| Adobe Systems Incorporated (ADBE) | $1.10 Billion | 24.20% | 0.41x | $103.05 Billion |
| Adcore Inc (ADCOF) | $1.19 Million | -17.83% | 0.01x | $3.03 Million |
| ADEIA CORP (ADEA) | $572.18 Million | 12.20% | 0.08x | $2.45 Billion |
| Automatic Data Processing Inc (ADP) | $5.32 Billion | 25.04% | 3.76x | $84.01 Billion |
| Autodesk Inc (ADSK) | $-256.00 Million | 0.00% | 0.00x | $48.93 Billion |
| Allied Security Innovations Inc (ADSV) | $-2.61 Million | 0.00% | 0.00x | $0.96 |
| AudioEye Inc (AEYE) | $17.60 Million | -71.80% | 0.67x | $49.81 Million |
| Affinity Networks Inc (AFFN) | $-470.19K | 0.00% | 0.00x | $0.93 |