Company Valuation: Chime Financial, Inc.

Data adjusted to current consolidation scope
Fiscal Period: December 2025 2026 2027 2028
Market Cap 1 9,428 12,781 - -
Change - 35.56% - -
Enterprise Value (EV) 1 8,302 11,790 11,108 10,119
Change - 42.01% -5.79% -8.91%
P/E -5.89x 77.6x 38x 26.5x
PBR 6.82x 7.89x 5.78x 4.13x
PEG -0x -1x 0x 0.6x
Capitalization / Revenue 4.31x 4.66x 3.88x 3.3x
EV / Revenue 3.8x 4.3x 3.37x 2.61x
EV / EBITDA 65.6x 25x 15.6x 10.3x
EV / EBIT -7.98x 76x 27.5x 16.2x
EV / FCF 252x 19.8x 17.5x 11.9x
FCF Yield 0.4% 5.05% 5.71% 8.41%
Dividend per Share 2 - - - -
Rate of return - - - -
EPS 2 -4.27 0.435 0.8879 1.272
Distribution rate - - - -
Net sales 1 2,187 2,741 3,296 3,874
EBITDA 1 126.6 472.3 709.9 983.6
EBIT 1 -1,040 155.2 404.2 624.8
Net income 1 -1,010 171.3 353.1 530.3
Net Debt 1 -1,126 -990.6 -1,673 -2,662
Reference price 2 25.17 33.76 33.76 33.76
Nbr of stocks (in thousands) 374,578 378,585 - -
Announcement Date 25/02/26 - - -
1USD in Million2USD
Estimates

P/E, Detailed evolution



P/E (N) EV / Sales (N) EV / EBITDA (N) Dividend Yield (N) Capi.($)
77.61x4.3x24.96x-.--% 12.78B
58.81x20.04x37.42x-.--% 110B
20.92x4.21x9.94x1.44% 91.01B
26.63x7.86x15.12x-.--% 37.66B
96.33x7.77x33.07x-.--% 25.91B
39.01x19.54x32.67x2.19% 24.89B
36.7x3.92x12.62x-.--% 24.41B
6.3x2.99x7.1x4.29% 21.6B
8.35x - - 7.55% 20.43B
12.62x-0.36x-0.63x-.--% 17.07B
Average 38.33x 7.81x 19.14x 1.55% 38.55B
Weighted average by Cap. 39.53x 10.34x 21.97x 1.12%

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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