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Chime Financial, Inc. Class A Common Stock (CHYM) Stock: Price, Forecast & Analyst Target

Chime Financial, Inc. Class A Common Stock (CHYM) — MoonshotScore 37/100 (Weak band), calculated Oct 4, 2026. Price $27.25 (+1.51%), as of the Oct 2, 2026 trading session; market cap $10.4B. Expected results Nov 4, 2026.

Educational signal · not a buy or sell recommendation · How to read this

Market value / cash and short-term investments: 9.78× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 4, 2026

$27.25 +$0.405 (+1.51%) Market Cap $10.4B

Chime Financial, Inc. Class A Common Stock · CHYM · NASDAQ · Technology · Software - Application

Research dated 2026-09-13: Chime Financial pairs digital spending accounts and debit cards with liquidity, credit-building, savings, peer-payment, and workplace products. Payment activity anchors the reported business; the durability test is whether newer liquidity products can deepen monetization while profitability and cash generation remain intact.

Price as of Oct 2, 2026

Key Statistics

37 of 100

MoonshotScore v2 · Chime Financial, Inc. Class A Common Stock (CHYM)

Weak
Business Quality Solid (73)
Financial Safety Sound (74)
Valuation Full (40)
Growth Durability Flat (41)
Momentum Surging (84)
Why this rating? Method, drivers & history

Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.

  • Business Quality — Is this a genuinely good business?
  • Financial Safety — Could this blow up on me?
  • Valuation — Am I paying a fair price?
  • Growth Durability — Is the growth real and likely to last?
  • Momentum — Is the market already moving on this?
The ten-second read ·

High quality and a strong balance sheet — and it’s docked well below the pillars; verify the gap before trusting the setup. Business Quality: Solid; Financial Safety: Sound; Valuation: Full; Growth Durability: Flat; Momentum: Surging.

  • quarterly revenue $577M (Q2 FY2026, quarter ended Jun 2026)
  • EPS beat 4 of 5
  • Altman Z 10.41 · Piotroski F 4

Helping: business quality, balance-sheet strength, positive momentum

What has the MoonshotScore done over time?

MoonshotScore snapshots recorded for CHYM (29 recorded, newest six shown)
RecordedScoreBand
37Weak
37Weak
37Weak
37Weak
37Weak
37Weak

The score was 37 in the stored Oct 3, 2026 snapshot and remains 37 in the current publication computed Oct 4, 2026 (0); the largest pillar moves were Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.

Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.

Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →

Price & valuation

As of
MeasureValue
Latest provided price$27.25
Change on the day+1.51%
52-week range$15.88–$35.55
Market capitalisation$10.4B
Shares traded on the day3.92M
Beta (volatility vs the S&P 500)0.32

Price & events

Weekly closing price with reported quarters marked Weekly closing price from Sep 5, 2025 to Oct 2, 2026: low $17, high $34, latest $27. 4 reported quarters marked, 4 above and 0 below the recorded estimate. 1 other dated event marked. $34 $17 high $34 Nov 5, 2025 · Earnings results · reported above the recorded estimate · close $201Feb 25, 2026 · Earnings results · reported above the recorded estimate · close $222May 6, 2026 · Earnings results · reported above the recorded estimate · close $183Aug 5, 2026 · Earnings call · management outlook · no recorded estimate to compare · close $294Aug 5, 2026 · Earnings results · reported above the recorded estimate · close $295 Sep 5, 2025 Oct 2, 2026 · $27 $24Sep 5, 2025$24Sep 19, 2025$21Oct 3, 2025$17Oct 17, 2025$17Oct 31, 2025$19Nov 14, 2025$21Nov 28, 2025$26Dec 12, 2025$26Dec 26, 2025$28Jan 9, 2026$26Jan 23, 2026$22Feb 6, 2026$21Feb 20, 2026$22Mar 6, 2026$19Mar 20, 2026$19Apr 2, 2026$24Apr 17, 2026$22May 1, 2026$18May 15, 2026$19May 29, 2026$17Jun 12, 2026$20Jun 26, 2026$21Jul 10, 2026$21Jul 24, 2026$29Aug 7, 2026$33Aug 21, 2026$34Sep 4, 2026$30Sep 18, 2026$27Oct 2, 2026

Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.

Events behind the price

  • · Earnings results · above the recorded estimate
  • · Earnings results · above the recorded estimate
  • · Earnings results · above the recorded estimate
  • · Earnings call · management outlook
  • · Earnings results · above the recorded estimate

Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.

Upcoming events

As of

  1. Next results dueProvider estimate

Management outlook

  • Based on the momentum we're seeing, we expect instant loans to exit Q3 with an annualized revenue run rate of more than $100 million.

    Christopher Britt · Statement from

Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.

Read management statements

Council Score · weighted blend of 2 available disciplines

Council score for Chime Financial, Inc. Class A Common Stock (CHYM): Split View

47/100 · C

Some lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.

5-Factor Breakdown

Growth Durability Neutral
Momentum Strong
Business Quality Moderate
Financial Safety Moderate
Valuation Neutral

Legends Council

6 lenses, 6 current

AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built

Dalio-style lens (simulated) Ray Dalio Favorable read
Griffin-style lens (simulated) Ken Griffin Neutral read
Simons-style lens (simulated) Jim Simons Neutral read
Englander-style lens (simulated) Izzy Englander Favorable read
Klarman-style lens (simulated) Seth Klarman Unfavorable read
Moon AI lens (model) Neutral read

Read on: Oct 4, 2026

Munger's Mindset

Balance Sheet & Valuation · historical

Financial Health Neutral
Margin of Safety Overvalued
Profit Margin Weak
Revenue Growth Strong
Debt/Equity Moderate
ROE Negative
Gross Margin Strong

Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading

How to read these bars and different assessments

Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.

Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.

Two of these lenses read this company more favourably than the MoonshotScore does: Dalio-style lens and Englander-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.

On Sep 9, 2026, the Munger lens read the price at that time as overvalued against its own estimate of value.

Readings on this page are from Oct 5, 2026, except a card that shows its own read date.

Watch the CHYM film — every key number, told as a short cinematic story

~2 min · open the film

1 · What is it?

What is Chime Financial, Inc. Class A Common Stock (CHYM), and what does it report?

Short answer · as of

Customers use Chime for spending, cash access, transfers, short-term liquidity, credit building, savings, and payments to other people; employers can distribute related services through Chime Workplace.

Research dated 2026-09-13.

Customers use Chime for spending, cash access, transfers, short-term liquidity, credit building, savings, and payments to other people; employers can distribute related services through Chime Workplace. The economic activity is consumer finance and payments, despite the application-software industry label.

Payments Revenue is the disclosed segment, making activity through accounts, cards, and related financial products more relevant than software licenses when interpreting reported revenue. The annual record shows substantial revenue expansion alongside volatile net results.

Sources (as of 2026-09-13): Sector / industry (provider taxonomy); Business description; Revenue by segment; Annual revenue and net result (USD millions)

2 · Latest results

What do the latest results show for Chime Financial, Inc. Class A Common Stock (CHYM)?

Short answer · as of

The most recent reported quarter, Q2 FY2026, carried revenue of $577M.

Research dated 2026-09-13.

Recent earnings disclosures show revenue and earnings above expectations. The periodic statements also show a return to positive operating and net results after losses, followed by another profitable period with lower profit.

Operating cash flow strengthened more decisively while capital spending remained modest. Management separately pointed to momentum in Instant Loans and expects the product to reach a materially larger annualized revenue pace, but that statement should not be treated as the explanation for all recent improvement.

Sources (as of 2026-09-13): Quarterly income statement (USD thousands); Annual revenue and net result (USD millions); Operating cash flow by quarter (USD millions); Reported versus estimated, last 8 quarters; Management outlook — dated call excerpts

Where is operating spending going?

Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.

Latest quarter · revenue
$576.97M Jun 30, 2026
Latest quarter · R&D
$112.11M Jun 30, 2026
Latest quarter · SG&A
$244.30M Jun 30, 2026
Latest quarter · FMP standardized operating result
$21.32M Jun 30, 2026
Where is operating spending going? — FMP standardized evidence
Period endRevenueR&DSG&AFMP standardized operating result
Jun 30, 2026$576.97M$112.11M$244.30M$21.32M
Mar 31, 2026$647.39M$109.78M$235.90M$46.16M
Dec 31, 2025$596.36M$111.35M$272.89M−$53.77M
Sep 30, 2025$543.52M$123.94M$230.18M−$64.71M

USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.

Did results meet expectations?

Reported earnings and revenue alongside the estimates recorded by the provider.

Latest report · revenue
$669.77M Aug 5, 2026
Latest report · revenue estimate
$641.26M Aug 5, 2026
Latest report · revenue vs estimate
Above estimate Aug 5, 2026
Latest report · EPS vs estimate
Above estimate Aug 5, 2026
Did results meet expectations? — reported evidence
Report dateRevenue · reportedRevenue · estimateEPS · reportedEPS · estimate
Aug 5, 2026$669.77M$641.26M$0.0700$0.0013
May 6, 2026$647.39M$635.72M$0.1300$0.0300
Feb 25, 2026$596.36M$577.00M−$0.1200−$0.2000
Nov 5, 2025$543.52M$531.28M−$0.1500−$0.2433

Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.

Quarterly income statement — 4 quarters
Revenue, net income and earnings per share by quarter
PeriodRevenueNet incomeEPS
Q2 FY2026$577M$28M$0.07 (diluted)
Q1 FY2026$647M$53M$0.13 (diluted)
Q4 FY2025$596M-$45M-$0.12 (diluted)
Q3 FY2025$544M-$55M-$0.15 (diluted)
3 · Financial strengths and risks

What are the financial strengths and risks for Chime Financial, Inc. Class A Common Stock (CHYM)?

Short answer

Cash and short-term investments were $1.06B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $207.48M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.

Research dated 2026-09-13.

Cash and short-term investments exceed both debt and total liabilities, leaving Chime with a substantial net-cash position. The cash balance recovered in the latest period, while stronger operating cash flow and limited capital spending improved internal funding capacity.

The operating model carries high gross margins, but trailing operating and net margins remain negative after pronounced earnings volatility. Because Payments Revenue is the disclosed segment, weaker activity across cards, accounts, and transfers would strike the main reported revenue base; failure to convert product breadth into durable operating profit would keep that concentration exposed.

Shareholder flows warrant separate monitoring: the institutional holder count increased even as the reported ownership share eased, while recent insider activity consisted of sales and other transactions without disclosed purchases. Those filings establish transaction direction, not motivation.

Sources (as of 2026-09-13): Cash, investments and debt; Cash and investment components; Cash and short-term investments over time (USD millions); Cash against market value; Operating cash flow by quarter (USD millions); Trailing twelve-month ratio set; Annual revenue and net result (USD millions); Revenue by segment; Institutional ownership (13F); Insider transactions, last 180 days; What the sources do not tell us

How much cash does the business generate or use?

Quarterly operating cash flow shows cash generated or used by operations.

Latest quarter · operating cash flow
$207.48M Jun 30, 2026
Previous quarter · operating cash flow
$87.48M Mar 31, 2026
How much cash does the business generate or use? — reported evidence
Period endOperating cash flowCapital expenditure (reported)
Jun 30, 2026$207.48M−$9.11M
Mar 31, 2026$87.48M−$7.45M
Dec 31, 2025$32.55M−$14.99M
Sep 30, 2025$18.62M$4.33M

Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.

USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.

4 · What to check next?

What should you watch next at Chime Financial, Inc. Class A Common Stock (CHYM)?

Short answer · as of

The next earnings report is expected on Nov 4, 2026.

Research dated 2026-09-13.

The upcoming report carries expectations for revenue to advance and earnings to remain positive. The useful checks are whether operating profitability holds, whether cash conversion remains stronger than accounting profit, and whether Instant Loans reaches the revenue pace described by management.

Recent filings also identify exit or disposal activities and changes involving principal officers, while the finance role remains interim. Their effect on operating expenses, execution, and financial leadership deserves attention alongside the headline results.

Sources (as of 2026-09-13): Next earnings report; Analyst revenue and earnings estimates (average); Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions); Management outlook — dated call excerpts; Recent SEC filings; Named officers

What management is planning

Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.

  1. Based on the momentum we're seeing, we expect instant loans to exit Q3 with an annualized revenue run rate of more than $100 million.

    Christopher Britt ·

5 · Peer comparison

How does Chime Financial, Inc. Class A Common Stock compare with its peers?

Short answer

Chime Financial, Inc. Class A Common Stock's score ranks 6th of 6 in the bounded comparison shown, against 5 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.

Research dated 2026-09-13.

Chime combines spending, debit, cash access, liquidity, credit building, savings, peer payments, and employer distribution within the same consumer platform. That breadth distinguishes it from a payments-only provider or a focused lender, yet Payments Revenue remains the clearest disclosed economic core.

Relative to an application-software business, demand is tied to financial activity inside accounts, cards, and related products rather than software licenses. Instant Loans and Chime Workplace provide different expansion routes: deeper monetization of consumers and distribution through employers.

Sources (as of 2026-09-13): Sector / industry (provider taxonomy); Business description; Revenue by segment; Management outlook — dated call excerpts

Peer set — price, market value and MoonshotScore
CompanyPriceMarket valueScore
Zions Bancorporation, National Association (ZION) Named competitor$63.17 Oct 2, 2026$9.22B94 5-pillar Oct 4, 2026
Popular, Inc. (BPOP) Named competitor$158.14 Oct 2, 2026$10.1B87 5-pillar Oct 4, 2026
BOK Financial Corporation (BOKF) Named competitor$128.36 Oct 2, 2026$7.80B84 5-pillar Oct 4, 2026
Old National Bancorp (ONB) Named competitor$24.96 Oct 2, 2026$9.55B79 5-pillar Oct 4, 2026
Cullen/Frost Bankers, Inc. (CFR) Named competitor$155.04 Oct 2, 2026$9.64B76 5-pillar Oct 4, 2026
Chime Financial, Inc. Class A Common Stock (CHYM) — this page$27.25$10.4B37
Paycom Software, Inc. (PAYC) Same industry, near in market value$220.99 Date unavailable$9.96B— Model unavailable
HubSpot, Inc. (HUBS) Same industry, near in market value$214.40 Date unavailable$11.0B— Model unavailable
Elastic N.V. (ESTC) Same industry, near in market value$93.94 Date unavailable$9.77B— Model unavailable
Manhattan Associates, Inc. (MANH) Same industry, near in market value$204.15 Date unavailable$11.9B— Model unavailable
InterDigital, Inc. (IDCC) Same industry, near in market value$335.13 Date unavailable$8.65B— Model unavailable
Full Truck Alliance Co. Ltd. (YMM) Same industry, near in market value$8.17 Date unavailable$8.54B— Model unavailable
DocuSign (DOCU) Same industry, near in market value$69.01 Date unavailable$13.2B— Model unavailable

Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.

Screen more Technology stocks

The records behind this page

Analyst targets & estimates

What analysts have on file

Price target, low to high
$28.00 – $50.00
Consensus target
$39.31
Median target
$40.00

Consensus record · Captured .

Measured against a quoted price of $27.25 (as of Oct 2, 2026).

Insider activity

Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026

Transactions
100
Identified insiders
8
Purchases
0
Sales
86
Other transactions
14

Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.

Who holds the shares?

Institutional ownership reported through 13F filings.

Institutional ownership
76.1% Period end Jun 30, 2026
Previous quarter · ownership
77.5% Prior to period end Jun 30, 2026
Reporting holders
298 Period end Jun 30, 2026
Previous quarter · holders
240 Prior to period end Jun 30, 2026
Who holds the shares? — reported evidence
Holders in provider snapshotShares
Galileo (Ptc) Ltd52,268,715
Crosslink Capital INC26,185,368
General Atlantic, L.P.21,259,683
Menlo Ventures Management, L.P.17,442,713
Aspect Management, LLC11,933,275

Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.

What has been published about Chime Financial, Inc. Class A Common Stock (CHYM)?

Read these with our analysis →

Chime Financial, Inc. Class A Common Stock Technology Stock: Key Questions Answered

Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.

How does SpotMe fit into Chime’s business model?

SpotMe is part of Chime’s liquidity offering within a broader spending and payments relationship. Its individual contribution is not separated from the disclosed Payments Revenue segment.

Sources (as of 2026-09-13): Business description; Revenue by segment

Why does Chime Plus matter to the platform?

Chime Plus packages a fee-free mobile banking experience alongside spending, transfers, savings, and related services. It helps position Chime as an ongoing financial relationship rather than a stand-alone card product.

Sources (as of 2026-09-13): Business description

Can Instant Loans become meaningful for Chime?

Management says Instant Loans has momentum and expects a materially larger annualized revenue pace. Confirmation would come from that pace being reached without reversing the recent progress in operating profit and cash generation.

Sources (as of 2026-09-13): Management outlook — dated call excerpts; Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions)

What does Chime Workplace add to the consumer platform?

Chime Workplace gives employers a route to offer financial services and employee-benefit tools. It extends distribution beyond direct consumer acquisition while keeping the offering connected to Chime’s broader financial product set.

Sources (as of 2026-09-13): Business description

What is the CHYM stock price today?

The last price recorded on this page for Chime Financial, Inc. Class A Common Stock (CHYM) is $27.25, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.

What is the CHYM price target?

The analyst consensus price target for Chime Financial, Inc. Class A Common Stock (CHYM) is $39.31 (range $28.00 to $50.00, median $40.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.

Sources (as of 2026-09-13): Legal name; Business description; Revenue by segment; Quarterly income statement (USD thousands); Operating cash flow by quarter (USD millions); Management outlook — dated call excerpts

Sources — records for every figure on this page (83 figures)

The 83 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.

"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.

OFFICIAL — 2 facts from SEC filings and earnings calls

OFFICIAL facts used on this page
Fact IDFactValue as shownAs ofTierSource
prod.outlookManagement outlook — call excerptsChristopher Britt (Aug 5, 2026): Based on the momentum we're seeing, we expect instant loans to exit Q3 with an annualized revenue run rate of more than $100 million.OFFICIALCompany earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording.
id.hqSEC filing business address101 California Street, Suite 500, SAN Francisco, CA, 94111OFFICIALSEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "101 California Street, Suite 500, San Francisco, CA, 94111, US".

FMP — 74 facts from Financial Modeling Prep endpoint families

FMP facts used on this page
Fact IDFactValue as shownAs ofTierSource
earn.nextNext earnings dateNov 4, 2026FMPFinancial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it.
px.lastLatest provided price$27.25FMPFinancial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T02:24:19.071Z.
px.changeChange on the day+1.51%FMPFinancial Modeling Prep (FMP) · quote
px.mcapMarket capitalisation$10.4BFMPFinancial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:01.000Z. Captured from FMP at 2026-10-05T02:24:17.096Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares.
px.change_absChange on the day, in dollars+$0.405FMPFinancial Modeling Prep (FMP) · quote
fin.q_revenueRevenue, Q2 FY2026$577MFMPFinancial Modeling Prep (FMP) · income statement (quarterly)
px.range5252-week range$15.88–$35.55FMPFinancial Modeling Prep (FMP) quote
px.volumeShares traded on the day3.92MFMPFinancial Modeling Prep (FMP) · quote
px.betaBeta0.32FMPFinancial Modeling Prep (FMP) company profile
id.ceoChief executiveChris BrittFMPFinancial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it.
id.founderFounder named in the filingRyan A. King — Co-Founder & DirectorFMPFinancial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it.
id.employeesEmployees1,519FMPFinancial Modeling Prep (FMP) employee count, from the company's filing
fin.annualRevenue and net result by fiscal year4 fiscal years, FY2022 through FY2025: FY2022 revenue $1.01B, net result −$470.25M; FY2023 revenue $1.28B, net result −$203.20M; FY2024 revenue $1.67B, net result −$25.34M; FY2025 revenue $2.19B, net result −$1.01BFMPFinancial Modeling Prep (FMP), from the company's 10-K income statements
fin.rev_mixReported revenue segmentsPayments Revenue $1.50BFMPFinancial Modeling Prep (FMP) revenue segmentation, from the company's 10-K
fin.gross_marginGross margin (trailing twelve months)87.3%FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero.
fin.q_table.depth.2026-06-30.revenue_kRevenue — period end 2026-06-30$576.97MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-06-30.rd_kR&D — period end 2026-06-30$112.11MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-06-30.sga_kSG&A — period end 2026-06-30$244.30MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-06-30.operating_result_kFMP standardized operating result — period end 2026-06-30$21.32MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.revenue_kRevenue — period end 2026-03-31$647.39MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.rd_kR&D — period end 2026-03-31$109.78MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.sga_kSG&A — period end 2026-03-31$235.90MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2026-03-31.operating_result_kFMP standardized operating result — period end 2026-03-31$46.16MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.revenue_kRevenue — period end 2025-12-31$596.36MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.rd_kR&D — period end 2025-12-31$111.35MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.sga_kSG&A — period end 2025-12-31$272.89MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-12-31.operating_result_kFMP standardized operating result — period end 2025-12-31−$53.77MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.revenue_kRevenue — period end 2025-09-30$543.52MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.rd_kR&D — period end 2025-09-30$123.94MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.sga_kSG&A — period end 2025-09-30$230.18MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
fin.q_table.depth.2025-09-30.operating_result_kFMP standardized operating result — period end 2025-09-30−$64.71MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note
earn.history.depth.2026-08-05.revenue_actualRevenue · reported — report date 2026-08-05$669.77MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-08-05.revenue_estimatedRevenue · estimate — report date 2026-08-05$641.26MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-08-05.eps_actualEPS · reported — report date 2026-08-05$0.0700Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-08-05.eps_estimatedEPS · estimate — report date 2026-08-05$0.0013Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-05-06.revenue_actualRevenue · reported — report date 2026-05-06$647.39MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-05-06.revenue_estimatedRevenue · estimate — report date 2026-05-06$635.72MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-05-06.eps_actualEPS · reported — report date 2026-05-06$0.1300Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-05-06.eps_estimatedEPS · estimate — report date 2026-05-06$0.0300Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-25.revenue_actualRevenue · reported — report date 2026-02-25$596.36MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-25.revenue_estimatedRevenue · estimate — report date 2026-02-25$577.00MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-25.eps_actualEPS · reported — report date 2026-02-25−$0.1200Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2026-02-25.eps_estimatedEPS · estimate — report date 2026-02-25−$0.2000Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-05.revenue_actualRevenue · reported — report date 2025-11-05$543.52MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-05.revenue_estimatedRevenue · estimate — report date 2025-11-05$531.28MReport date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-05.eps_actualEPS · reported — report date 2025-11-05−$0.1500Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
earn.history.depth.2025-11-05.eps_estimatedEPS · estimate — report date 2025-11-05−$0.2433Report date · FMPFinancial Modeling Prep (FMP) earnings — Earnings-history note
fin.q_tableQuarterly income statement4 quarters through Q2 FY2026FMPFinancial Modeling Prep (FMP) · income statement (quarterly), as filed
fin.cash_investmentsCash and short-term investments$1.06BFMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review.
fin.opcf_latestLatest-quarter operating cash flow$207.48MFMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate.
fin.long_term_investmentsLong-term investments (classification unverified)$0.00FMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.
fin.total_debtTotal debt$130.88MFMPFinancial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.
fin.price_to_bookPrice to book value7.39×FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero.
fin.opcf.depth.2026-06-30.operating_cash_flow_mOperating cash flow — period end 2026-06-30$207.48MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-03-31.operating_cash_flow_mOperating cash flow — period end 2026-03-31$87.48MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-06-30.capex_mCapital expenditure (reported) — period end 2026-06-30−$9.11MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2026-03-31.capex_mCapital expenditure (reported) — period end 2026-03-31−$7.45MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-12-31.operating_cash_flow_mOperating cash flow — period end 2025-12-31$32.55MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-12-31.capex_mCapital expenditure (reported) — period end 2025-12-31−$14.99MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-09-30.operating_cash_flow_mOperating cash flow — period end 2025-09-30$18.62MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
fin.opcf.depth.2025-09-30.capex_mCapital expenditure (reported) — period end 2025-09-30$4.33MPeriod end · FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note
earn.pt_rangeAnalyst price target, low to high$28.00 – $50.00FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied
earn.pt_consensusConsensus analyst price target$39.31FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied
earn.pt_medianMedian analyst price target$40.00FMPFinancial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied
own.insidersInsider transactions via FMP100 transactions · 0 purchases, 86 sales, 14 other transactions · 8 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026FMPFinancial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
own.institutions.depth.ownership_pctInstitutional ownership76.1%FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026
own.institutions.depth.ownership_pct_previous_quarterPrevious quarter · ownership77.5%FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026
own.institutions.depth.holdersReporting holders298FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026
own.institutions.depth.holders_previous_quarterPrevious quarter · holders240FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026
own.top_holders.depth.holder_0.sharesGalileo (Ptc) Ltd — shares in provider snapshot52,268,715FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_1.sharesCrosslink Capital INC — shares in provider snapshot26,185,368FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_2.sharesGeneral Atlantic, L.P. — shares in provider snapshot21,259,683FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_3.sharesMenlo Ventures Management, L.P. — shares in provider snapshot17,442,713FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.
own.top_holders.depth.holder_4.sharesAspect Management, LLC — shares in provider snapshot11,933,275FMPFinancial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied.

UNRECORDED — 2 facts from stored observations whose source was not recorded

UNRECORDED facts used on this page
Fact IDFactValue as shownAs ofTierSource
earn.historyReported versus estimated, recent quartersEPS beat 4 of 5UNRECORDEDStored earnings-history observation — Captured 2026-10-02 · Expired observation
fin.scoresDistress and quality screensAltman Z 10.41 · Piotroski F 4UNRECORDEDStored financial-scores observation — Captured 2026-10-04

COMPUTED — 3 facts from our arithmetic, formula restated

COMPUTED facts used on this page
Fact IDFactValue as shownAs ofTierSource
fin.mcap_to_cashMarket value per dollar of cash and short-term investments9.78×—COMPUTEDComputed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $1.06B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio.
earn.history.depth.2026-08-05.revenue_actual.comparisonLatest report · revenue vs estimateAbove estimateReport date · COMPUTEDComputed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($669.77M) with the recorded estimate ($641.26M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns.
earn.history.depth.2026-08-05.eps_actual.comparisonLatest report · EPS vs estimateAbove estimateReport date · COMPUTEDComputed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.0700) with the recorded estimate ($0.0013) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns.

OURS — 2 facts from Stock Expert AI's own score and rank

OURS facts used on this page
Fact IDFactValue as shownAs ofTierSource
ours.moonshotMoonshotScore v237 of 100 · Weak · pillars 73 / 74 / 40 / 41 / 84OURSStock Expert AI MoonshotScore v2 engine
ours.moonshot_changeMoonshotScore movement37 (stored snapshot Oct 3, 2026) → 37 (current publication computed Oct 4, 2026) (0)OURSStock Expert AI current score publication and immutable score snapshots

Fact-family notes

  1. Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs: fin.q_table.depth.2026-06-30.revenue_k, fin.q_table.depth.2026-06-30.rd_k, fin.q_table.depth.2026-06-30.sga_k, fin.q_table.depth.2026-06-30.operating_result_k, fin.q_table.depth.2026-03-31.revenue_k, fin.q_table.depth.2026-03-31.rd_k, fin.q_table.depth.2026-03-31.sga_k, fin.q_table.depth.2026-03-31.operating_result_k, fin.q_table.depth.2025-12-31.revenue_k, fin.q_table.depth.2025-12-31.rd_k, fin.q_table.depth.2025-12-31.sga_k, fin.q_table.depth.2025-12-31.operating_result_k, fin.q_table.depth.2025-09-30.revenue_k, fin.q_table.depth.2025-09-30.rd_k, fin.q_table.depth.2025-09-30.sga_k, fin.q_table.depth.2025-09-30.operating_result_k.
  2. Earnings-history note. Source series as of 2026-08-05. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs: earn.history.depth.2026-08-05.revenue_actual, earn.history.depth.2026-08-05.revenue_estimated, earn.history.depth.2026-08-05.revenue_actual.comparison, earn.history.depth.2026-08-05.eps_actual.comparison, earn.history.depth.2026-08-05.eps_actual, earn.history.depth.2026-08-05.eps_estimated, earn.history.depth.2026-05-06.revenue_actual, earn.history.depth.2026-05-06.revenue_estimated, earn.history.depth.2026-05-06.eps_actual, earn.history.depth.2026-05-06.eps_estimated, earn.history.depth.2026-02-25.revenue_actual, earn.history.depth.2026-02-25.revenue_estimated, earn.history.depth.2026-02-25.eps_actual, earn.history.depth.2026-02-25.eps_estimated, earn.history.depth.2025-11-05.revenue_actual, earn.history.depth.2025-11-05.revenue_estimated, earn.history.depth.2025-11-05.eps_actual, earn.history.depth.2025-11-05.eps_estimated.
  3. Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs: fin.opcf.depth.2026-06-30.operating_cash_flow_m, fin.opcf.depth.2026-03-31.operating_cash_flow_m, fin.opcf.depth.2026-06-30.capex_m, fin.opcf.depth.2026-03-31.capex_m, fin.opcf.depth.2025-12-31.operating_cash_flow_m, fin.opcf.depth.2025-12-31.capex_m, fin.opcf.depth.2025-09-30.operating_cash_flow_m, fin.opcf.depth.2025-09-30.capex_m.
Published
Research standards
Methodology · Editorial policy · Corrections

Sources used for research written 2026-09-13

Historical evidence preserved with this analysis. Current figures are listed separately above.

EvidenceCaptured valueSource dateSource typeSource
Legal name
Chime Financial, Inc.

Our market-data provider lists the name as "Chime Financial, Inc. Class A Common Stock"; the filer's own record is used here.

2026-03-06OFFICIALSEC EDGAR — 10-K filed 2026-03-06
Business description
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
2026-09-13FMPFinancial Modeling Prep (FMP) company profile
Revenue by segment
Payments Revenue: $1.50B
2025-12-31FMPFinancial Modeling Prep (FMP) revenue segmentation, from the company's 10-K
Quarterly income statement (USD thousands)
Captured record · 8 entries
  • Quarter ended 2026-06-30 — EPS: $0.07 per share, R&D: $112.11M, SG&A: $244.30M, EPS basic: $0.0733 per share, EPS basis: diluted, Revenue: $576.97M, EPS diluted: $0.07 per share, Net result: $27.85M, Gross profit: $490.23M, Operating result: $21.32M
  • Quarter ended 2026-03-31 — EPS: $0.13 per share, R&D: $109.78M, SG&A: $235.90M, EPS basic: $0.14 per share, EPS basis: diluted, Revenue: $647.39M, EPS diluted: $0.13 per share, Net result: $53.46M, Gross profit: $568.48M, Operating result: $46.16M
  • Quarter ended 2025-12-31 — EPS: -$0.12 per share, R&D: $111.35M, SG&A: $272.89M, EPS basic: -$0.12 per share, EPS basis: diluted, Revenue: $596.36M, EPS diluted: -$0.12 per share, Net result: -$44.78M, Gross profit: $530.25M, Operating result: -$53.77M
  • Quarter ended 2025-09-30 — EPS: -$0.15 per share, R&D: $123.94M, SG&A: $230.18M, EPS basic: -$0.15 per share, EPS basis: diluted, Revenue: $543.52M, EPS diluted: -$0.15 per share, Net result: -$54.72M, Gross profit: $474.12M, Operating result: -$64.71M
  • Quarter ended 2025-06-30 — EPS: -$2.49 per share, R&D: $621.75M, SG&A: $464.67M, EPS basic: -$2.49 per share, EPS basis: diluted, Revenue: $528.15M, EPS diluted: -$2.49 per share, Net result: -$923.38M, Gross profit: $461.03M, Operating result: -$930.64M
  • Quarter ended 2025-03-31 — EPS: $0.2 per share, R&D: $77.88M, SG&A: $179.75M, EPS basic: $0.2 per share, EPS basis: diluted, Revenue: $518.74M, EPS diluted: $0.2 per share, Net result: $12.94M, Gross profit: $458.33M, Operating result: $9.14M
  • Quarter ended 2024-12-31 — EPS: -$0.0538 per share, R&D: $78.87M, SG&A: $191.26M, EPS basic: -$0.0538 per share, EPS basis: diluted, Revenue: $475.21M, EPS diluted: -$0.0538 per share, Net result: -$19.61M, Gross profit: $419.17M, Operating result: -$27.15M
  • Quarter ended 2024-09-30 — EPS: -$0.0604 per share, R&D: $80.40M, SG&A: $189.77M, EPS basic: -$0.0604 per share, EPS basis: diluted, Revenue: $421.87M, EPS diluted: -$0.0604 per share, Net result: -$22.03M, Gross profit: $368.36M, Operating result: -$30.64M
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements
Operating cash flow by quarter (USD millions)
Captured record · 8 entries
  • Quarter ended 2026-06-30 — Capital expenditure: -$9.11M, Operating cash flow: $207.48M
  • Quarter ended 2026-03-31 — Capital expenditure: -$7.45M, Operating cash flow: $87.48M
  • Quarter ended 2025-12-31 — Capital expenditure: -$14.99M, Operating cash flow: $32.55M
  • Quarter ended 2025-09-30 — Capital expenditure: $4.33M, Operating cash flow: $18.62M
  • Quarter ended 2025-06-30 — Capital expenditure: -$5.23M, Operating cash flow: $28.20M
  • Quarter ended 2025-03-31 — Capital expenditure: -$4.79M, Operating cash flow: -$26.59M
  • Quarter ended 2024-06-30 — Capital expenditure: -$2.24M, Operating cash flow: -$1.32M
  • Quarter ended 2024-03-31 — Capital expenditure: -$2.19M, Operating cash flow: $72.16M
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's 10-Q cash-flow statements
Management outlook — dated call excerpts
Captured record · 1 entry
  • Call of 2026-08-05 — Quote: Based on the momentum we're seeing, we expect instant loans to exit Q3 with an annualized revenue run rate of more than $100 million., Speaker: Christopher Britt

Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording.

2026-08-05OFFICIALCompany earnings call, transcript via Financial Modeling Prep (FMP)
Sector / industry (provider taxonomy)
Technology / Software - Application

The company's SEC filings classify it under SIC 6199 — Finance Services.

2026-09-13FMPFinancial Modeling Prep (FMP) company profile
Annual revenue and net result (USD millions)
Captured record · 4 entries
  • FY2025 — R&D: $934.93M, Revenue: $2.19B, Period end: 2025-12-31, Net result: -$1.01B
  • FY2024 — R&D: $309.58M, Revenue: $1.67B, Period end: 2024-12-31, Net result: -$25.34M
  • FY2023 — R&D: $259.00M, Revenue: $1.28B, Period end: 2023-12-31, Net result: -$203.20M
  • FY2022 — R&D: $242.43M, Revenue: $1.01B, Period end: 2022-12-31, Net result: -$470.25M
2025-12-31FMPFinancial Modeling Prep (FMP), from the company's 10-K income statements
Reported versus estimated, last 8 quarters
Captured record · 8 entries
  • Reported 2026-08-05 — EPS actual: $0.07 per share, EPS estimated: $0.00134 per share, Revenue actual: $669.77M, Revenue estimated: $641.26M
  • Reported 2026-05-06 — EPS actual: $0.13 per share, EPS estimated: $0.03 per share, Revenue actual: $647.39M, Revenue estimated: $635.72M
  • Reported 2026-02-25 — EPS actual: -$0.12 per share, EPS estimated: -$0.2 per share, Revenue actual: $596.36M, Revenue estimated: $577.00M
  • Reported 2025-11-05 — EPS actual: -$0.15 per share, EPS estimated: -$0.24333 per share, Revenue actual: $543.52M, Revenue estimated: $531.28M
  • Reported 2025-08-07 — EPS actual: -$7.29 per share, EPS estimated: -$4.85 per share, Revenue actual: $528.15M, Revenue estimated: $502.79M
  • Reported 2025-05-13 — EPS actual: $0.2 per share, Revenue actual: $518.74M
  • Reported 2024-12-31 — EPS actual: -$0.0538 per share, Revenue actual: $475.21M
  • Reported 2024-09-30 — EPS actual: -$0.06044 per share, Revenue actual: $421.87M
2026-08-05FMPFinancial Modeling Prep (FMP) earnings
Cash, investments and debt
Total debt: $130.88M; Liquidity basis: cash and short-term investments; Total liabilities: $591.83M; Cash and short-term investments: $1.06B; Cash and investments: $1.06B; Long-term investments: $0; Long-term investments classification: unclassified

Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability.

2026-06-30FMPFinancial Modeling Prep (FMP), from the company's balance sheet
Cash and investment components
Total basis: cash short and long-term investments; Total: $1.06B; Cash and short-term investments: $1.06B; Long-term investments: $0; Long-term investments classification: unclassified

Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures.

2026-06-30COMPUTEDComputed from the balance sheet
Cash and short-term investments over time (USD millions)
Captured record · 8 entries
  • 2026-06-30 — Amount: $1.06B, Cash basis: cash and short-term investments
  • 2026-03-31 — Amount: $1.01B, Cash basis: cash and short-term investments
  • 2025-12-31 — Amount: $1.05B, Cash basis: cash and short-term investments
  • 2025-09-30 — Amount: $1.08B, Cash basis: cash and short-term investments
  • 2025-06-30 — Amount: $1.09B, Cash basis: cash and short-term investments
  • 2025-03-31 — Amount: $654.60M, Cash basis: cash and short-term investments
  • 2024-12-31 — Amount: $706.60M, Cash basis: cash and short-term investments
  • 2024-03-31 — Amount: $800.60M, Cash basis: cash and short-term investments
2026-06-30FMPFinancial Modeling Prep (FMP), from the company's quarterly balance sheets
Cash against market value
As of: 2026-06-30; Cash basis: cash and short-term investments; Net cash: $932.50M; Total debt: $130.90M; Cash and investments: $1.06B

Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. Cash is the latest reported cash and short-term investment balance; long-term investments are excluded. Market capitalization is the latest provider value.; The reported balance does not establish unrestricted availability or liquidation value.; The two are measured on different dates — the balance sheet is a quarter-end, the market cap is a recent close.; Debt is total debt as reported, including operating lease liabilities where the filer includes them.

2026-06-30COMPUTEDComputed from the balance sheet and the latest market capitalization
Trailing twelve-month ratio set
Quick ratio: 137.3; Current ratio: 137.3; Debt to equity: 0.09; Net margin: -0.8%; Gross margin: 87.3%; Operating margin: -2.2%; Return on assets: -0.9%; Return on equity: -1.3%

Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero.

2026-09-13FMPFinancial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm
Institutional ownership (13F)
Holders: 298; Quarter: 2026-06-30; Ownership: 76.3%; Holders previous quarter: 240; Ownership previous quarter: 77.5

13F filings are quarterly and lag the quarter end by up to 45 days.

2026-06-30FMPFinancial Modeling Prep (FMP) institutional ownership summary, from 13F filings
Insider transactions, last 180 days
Net shares: -3,976,549; Window days: 180; Price low: $31.91; Clustered days: 2026-08-28; Price high: $35.15; Buy transactions: 0; Distinct insiders: 5; Sell transactions: 52; Other transactions: 8; Total transactions: 60; Other transaction types: A-Award: 2, C-Conversion: 6; Unknown direction transactions: 0

Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market.

2026-09-09FMPFinancial Modeling Prep (FMP) insider transactions, from Form 4 filings
What the sources do not tell us
Captured record · 3 entries
  • What: We hold fewer than two daily score snapshots for this company, so there is no track to show yet., Family: Score history
  • What: A Form 4 records what an insider transacted, never why. Sales that look like tax withholding on vesting shares are not labelled as such in the filing., Family: Insider intent
  • What: Anything that changed after the most recent filing and has not been announced is not on this page., Family: Between filings

Each entry names a family of information the packet has no fact for.; The list is drawn from a fixed catalogue keyed to fact ids — it is not written per ticker and contains no generated text.; An absent family means our sources did not answer; it does not mean the company has nothing to report.

2026-09-13COMPUTEDDerived from which sources answered this build
Next earnings report
Date: 2026-11-04; EPS estimate: $0.08 per share; Revenue estimate: $697.33M

The date is our provider's estimate until the company confirms it.

2026-09-13FMPFinancial Modeling Prep (FMP) earnings calendar
Analyst revenue and earnings estimates (average)
Captured record · 4 entries
  • FY2027 — EPS average: $0.89 per share, Revenue average: $3.33B, Revenue low: $3.18B, Revenue high: $3.42B, Analysts (revenue): 16
  • FY2028 — EPS average: $1.34 per share, Revenue average: $3.93B, Revenue low: $3.73B, Revenue high: $4.15B, Analysts (revenue): 16
  • FY2029 — EPS average: $1.82 per share, Revenue average: $4.58B, Revenue low: $4.45B, Revenue high: $4.70B, Analysts (revenue): 14
  • FY2030 — EPS average: $3.14 per share, Revenue average: $4.86B, Revenue low: $4.72B, Revenue high: $4.99B, Analysts (revenue): 14
2026-09-13FMPFinancial Modeling Prep (FMP) analyst estimates
Recent SEC filings2026-09-08OFFICIALSEC EDGAR filer submissions
Named officers
CEO: Chris Britt; Officers: Matthew S. Newcomb — Title: Advisor, Pay: $858,031, Born: 1985; Xiongwen Rui — Title: Chief Risk Officer; Mark T. Troughton — Title: President & Interim CFO, Pay: $1.01M, Born: 1969; Sarah Wagener — Title: Chief People Officer; Vineet Mehra — Title: Chief Growth Officer, Born: 1980; Ryan A. King — Title: Co-Founder & Director, Pay: $655,166, Born: 1978; Peter Coleman Stabler — Title: Vice President of Investor Relations; Jeff Currier — Title: Chief Technology Officer

Titles and pay come from the company's proxy statement as our provider parsed it.

2026-09-13FMPFinancial Modeling Prep (FMP) key executives (proxy-derived)
Data Sources & Methodology
Figures come from Financial Modeling Prep (FMP). If FMP has no figure for a ticker, a price or fundamental may come from a Yahoo Finance fallback, or a price from an Alpaca fallback. SEC EDGAR is used only for filing links and company identity details (legal name, address), never for figures. AI analysis by Stock Expert AI proprietary algorithms. Technical indicators via industry-standard calculations. Last updated: .
Data Provenance
Sources: Financial Modeling Prep (FMP) — Primary · Yahoo Finance — Fallback · Alpaca — Tertiary
Last fetched:
Cache TTL: Quote 5min · Profile 7d · Financials 7d · Insider 48h
How we use AI: Numbers are pulled directly from FMP & Yahoo Finance — our AI writes the analysis, it never edits the figures.
Data provided as-is for educational purposes. Not financial advice. Methodology

Data provided for informational purposes only.