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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Circle Internet Group, Inc. (CRCL). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $28.5M, roughly 19.1× Circle Internet Group, Inc.). Circle Internet Group, Inc. runs the higher net margin — 751.8% vs -10.1%, a 761.8% gap on every dollar of revenue. On growth, Circle Internet Group, Inc. posted the faster year-over-year revenue change (5113.5% vs 28.8%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $-14.7M).
Chime Financial, Inc. is an American financial technology company based in San Francisco, California. It provides fee-free mobile banking services through two national banks, Stride Bank and The Bancorp Bank.
Circle is a payments technology company. Funded by Jeremy Allaire and Sean Neville in 2013, it is currently headquartered in New York City and issues two types of stablecoin: USDC, which has a conversion rate pegged to the U.S. dollar, and EURC, which is euro-denominated. It also issues USYC, a tokenized money market fund.
CHYM vs CRCL — Head-to-Head
Income Statement — Q3 2025 vs Q3 2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $28.5M |
| Net Profit | $-54.7M | $214.4M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | — |
| Net Margin | -10.1% | 751.8% |
| Revenue YoY | 28.8% | 5113.5% |
| Net Profit YoY | -148.4% | 202.0% |
| EPS (diluted) | $-0.15 | $0.64 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q3 25 | $543.5M | $28.5M | ||
| Q2 25 | $528.1M | $23.8M | ||
| Q3 24 | $421.9M | $547.0K | ||
| Q2 24 | $384.2M | $6.8M |
| Q3 25 | $-54.7M | $214.4M | ||
| Q2 25 | $-923.4M | $-482.1M | ||
| Q3 24 | $-22.0M | $71.0M | ||
| Q2 24 | $385.0K | $32.9M |
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — |
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | -1367.8% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | — |
| Q3 25 | -10.1% | 751.8% | ||
| Q2 25 | -174.8% | -2025.3% | ||
| Q3 24 | -5.2% | 12979.2% | ||
| Q2 24 | 0.1% | 486.5% |
| Q3 25 | $-0.15 | $0.64 | ||
| Q2 25 | $-7.29 | $-4.48 | ||
| Q3 24 | $-0.34 | $0.00 | ||
| Q2 24 | $0.00 | $0.00 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $445.0M | $1.3B |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $3.0B |
| Total Assets | $2.0B | $76.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $445.0M | $1.3B | ||
| Q2 25 | $868.3M | $1.1B | ||
| Q3 24 | $270.8M | $577.3M | ||
| Q2 24 | $295.4M | $457.5M |
| Q3 25 | $1.4B | $3.0B | ||
| Q2 25 | $1.4B | $2.4B | ||
| Q3 24 | $-1.9B | $557.7M | ||
| Q2 24 | $-1.9B | $460.9M |
| Q3 25 | $2.0B | $76.8B | ||
| Q2 25 | $1.9B | $64.2B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $17.5M | $-10.7M |
| Free Cash FlowOCF − Capex | $15.4M | $-14.7M |
| FCF MarginFCF / Revenue | 2.8% | -51.7% |
| Capex IntensityCapex / Revenue | 0.4% | 14.2% |
| Cash ConversionOCF / Net Profit | — | -0.05× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $17.5M | $-10.7M | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | $15.4M | $-14.7M | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | 2.8% | -51.7% | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | 0.4% | 14.2% | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | — | -0.05× | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CHYM
| Payments Revenue | $363.2M | 67% |
| Platform Related Revenue | $180.4M | 33% |
CRCL
| Subscription And Services Revenue | $23.6M | 83% |
| Transaction Services | $4.7M | 16% |
