Company Valuation: Chime Financial, Inc.

Data adjusted to current consolidation scope
Fiscal Period: December 2025 2026 2027 2028
Market Cap 1 9,428 10,163 - -
Change - 7.8% - -
Enterprise Value (EV) 1 8,302 9,261 8,559 7,597
Change - 11.54% -7.58% -11.24%
P/E -5.89x 57.8x 29.3x 19.2x
PBR 6.82x 6.39x 4.61x 3.36x
PEG -0x -1x 0.3x 0.4x
Capitalization / Revenue 4.31x 3.67x 3.04x 2.57x
EV / Revenue 3.8x 3.34x 2.56x 1.92x
EV / EBITDA 65.6x 19x 11.5x 7.3x
EV / EBIT -7.98x 56.4x 21.6x 11.5x
EV / FCF 252x 15.5x 13.2x 8.57x
FCF Yield 0.4% 6.45% 7.59% 11.7%
Dividend per Share 2 - - - -
Rate of return - - - -
EPS 2 -4.27 0.4643 0.9156 1.399
Distribution rate - - - -
Net sales 1 2,187 2,771 3,348 3,958
EBITDA 1 126.6 486.2 741.9 1,041
EBIT 1 -1,040 164.1 397 659.1
Net income 1 -1,010 182.8 369.9 583.8
Net Debt 1 -1,126 -902.2 -1,604 -2,566
Reference price 2 25.17 26.84 26.84 26.84
Nbr of stocks (in thousands) 374,578 378,585 - -
Announcement Date 2/25/26 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution



P/E (N) EV / Sales (N) EV / EBITDA (N) Dividend Yield (N) Capi.($)
57.38x3.31x18.89x-.--% 10.09B
52.97x18.25x33.93x-.--% 101B
13.58x2.81x6.25x1.98% 73.68B
22.71x6.33x12.16x-.--% 31.42B
34.75x3.68x11.76x-.--% 23.36B
34.63x17.41x28.56x2.46% 22.11B
76.55x6.11x26.14x-.--% 20.96B
7.06x - - 8.94% 17.87B
4.94x2.64x6.28x5.45% 16.97B
11.88x-0.84x-1.48x-.--% 15.5B
Average 31.65x 6.63x 15.83x 1.88% 33.31B
Weighted average by Cap. 33.71x 9.25x 19.04x 1.36%

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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