Company Valuation: Chime Financial, Inc.

Data adjusted to current consolidation scope
Fiscal Period: December 2025 2026 2027 2028
Market Cap 1 9,428 12,183 - -
Change - 29.22% - -
Enterprise Value (EV) 1 8,302 11,191 10,509 9,521
Change - 34.79% -6.09% -9.4%
P/E -5.89x 72.5x 37.1x 26.6x
PBR 6.82x 7.52x 5.52x 3.95x
PEG -0x -1x 0.4x 0.7x
Capitalization / Revenue 4.31x 4.44x 3.71x 3.15x
EV / Revenue 3.8x 4.08x 3.2x 2.47x
EV / EBITDA 65.6x 23.7x 14.9x 9.83x
EV / EBIT -7.98x 69.2x 26.5x 15.9x
EV / FCF 252x 18.7x 15.5x 10.5x
FCF Yield 0.4% 5.35% 6.45% 9.55%
Dividend per Share 2 - - - -
Rate of return - - - -
EPS 2 -4.27 0.4436 0.8684 1.209
Distribution rate - - - -
Net sales 1 2,187 2,742 3,286 3,862
EBITDA 1 126.6 471.8 706 968.5
EBIT 1 -1,040 161.7 397.2 600.4
Net income 1 -1,010 174.8 346.8 512.1
Net Debt 1 -1,126 -991.9 -1,674 -2,662
Reference price 2 25.17 32.18 32.18 32.18
Nbr of stocks (in thousands) 374,578 378,585 - -
Announcement Date 2/25/26 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution

P/E (Y) EV / Sales (Y) EV / EBITDA (Y) Dividend Yield (Y) Capi.($)
72.55x4.08x23.72x-.--% 12.18B
22.53x4.54x10.72x1.33% 98.01B
48.04x16.19x30.37x-.--% 89.34B
27.51x8.75x16.75x-.--% 38.57B
63.24x5.76x20.06x-.--% 26.23B
41.88x21.87x35.77x2% 25.88B
6.53x3.07x7.3x4.07% 22.76B
71.16x5.5x23.55x-.--% 19.14B
7.89x - - 7.99% 18.9B
12.19x-0.38x-0.66x-.--% 14.66B
Average 37.35x 7.71x 18.62x 1.54% 36.57B
Weighted average by Cap. 35.62x 9.13x 19.49x 1.17%

Y-o-Y evolution of P/E

Historical PBR trend

Evolution Enterprise Value / Sales

Change in Enterprise Value/EBITDA

Year-on-year evolution of the Yield

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