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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Dayforce (DAY). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $481.6M, roughly 1.1× Dayforce). Chime Financial, Inc. runs the higher net margin — -10.1% vs -40.9%, a 30.8% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 9.5%).
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.
Dayforce, Inc., formerly Ceridian, is an American human resources software and services company.
CHYM vs DAY — Head-to-Head
Income Statement — Q3 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $481.6M |
| Net Profit | $-54.7M | $-196.8M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | 6.3% |
| Net Margin | -10.1% | -40.9% |
| Revenue YoY | 28.8% | 9.5% |
| Net Profit YoY | -148.4% | -9940.0% |
| EPS (diluted) | $-0.15 | $-1.23 |
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 | $481.6M | ||
| Q2 25 | $528.1M | $464.7M | ||
| Q1 25 | — | $481.8M | ||
| Q4 24 | — | $465.2M | ||
| Q3 24 | $421.9M | $440.0M | ||
| Q2 24 | $384.2M | $423.3M | ||
| Q1 24 | — | $431.5M | ||
| Q4 23 | — | $399.7M |
| Q3 25 | $-54.7M | $-196.8M | ||
| Q2 25 | $-923.4M | $21.3M | ||
| Q1 25 | — | $14.9M | ||
| Q4 24 | — | $10.8M | ||
| Q3 24 | $-22.0M | $2.0M | ||
| Q2 24 | $385.0K | $-1.8M | ||
| Q1 24 | — | $7.1M | ||
| Q4 23 | — | $45.6M |
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 47.0% | ||
| Q3 24 | 87.3% | 45.8% | ||
| Q2 24 | 86.9% | 44.1% | ||
| Q1 24 | — | 47.6% | ||
| Q4 23 | — | 42.5% |
| Q3 25 | -11.9% | 6.3% | ||
| Q2 25 | -176.2% | 9.1% | ||
| Q1 25 | — | 6.4% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | -7.3% | 4.7% | ||
| Q2 24 | -2.5% | 3.3% | ||
| Q1 24 | — | 9.4% | ||
| Q4 23 | — | 9.7% |
| Q3 25 | -10.1% | -40.9% | ||
| Q2 25 | -174.8% | 4.6% | ||
| Q1 25 | — | 3.1% | ||
| Q4 24 | — | 2.3% | ||
| Q3 24 | -5.2% | 0.5% | ||
| Q2 24 | 0.1% | -0.4% | ||
| Q1 24 | — | 1.6% | ||
| Q4 23 | — | 11.4% |
| Q3 25 | $-0.15 | $-1.23 | ||
| Q2 25 | $-7.29 | $0.13 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | — | $0.07 | ||
| Q3 24 | $-0.34 | $0.01 | ||
| Q2 24 | $0.00 | $-0.01 | ||
| Q1 24 | — | $0.04 | ||
| Q4 23 | — | $0.29 |
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 | $627.6M |
| Total DebtLower is stronger | — | $631.1M |
| Stockholders' EquityBook value | $1.4B | $2.7B |
| Total Assets | $2.0B | $8.7B |
| Debt / EquityLower = less leverage | — | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $445.0M | $627.6M | ||
| Q2 25 | $868.3M | $625.2M | ||
| Q1 25 | — | $557.3M | ||
| Q4 24 | — | $579.7M | ||
| Q3 24 | $270.8M | $494.1M | ||
| Q2 24 | $295.4M | $465.4M | ||
| Q1 24 | — | $392.5M | ||
| Q4 23 | — | $570.3M |
| Q3 25 | — | $631.1M | ||
| Q2 25 | — | $631.8M | ||
| Q1 25 | — | $632.4M | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | $1.2B | ||
| Q2 24 | — | $1.2B | ||
| Q1 24 | — | $1.2B | ||
| Q4 23 | — | $1.2B |
| Q3 25 | $1.4B | $2.7B | ||
| Q2 25 | $1.4B | $2.7B | ||
| Q1 25 | — | $2.6B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | $-1.9B | $2.6B | ||
| Q2 24 | $-1.9B | $2.5B | ||
| Q1 24 | — | $2.4B | ||
| Q4 23 | — | $2.4B |
| Q3 25 | $2.0B | $8.7B | ||
| Q2 25 | $1.9B | $8.5B | ||
| Q1 25 | — | $9.5B | ||
| Q4 24 | — | $9.1B | ||
| Q3 24 | — | $8.1B | ||
| Q2 24 | — | $9.0B | ||
| Q1 24 | — | $10.8B | ||
| Q4 23 | — | $9.0B |
| Q3 25 | — | 0.23× | ||
| Q2 25 | — | 0.23× | ||
| Q1 25 | — | 0.24× | ||
| Q4 24 | — | 0.47× | ||
| Q3 24 | — | 0.47× | ||
| Q2 24 | — | 0.49× | ||
| Q1 24 | — | 0.50× | ||
| Q4 23 | — | 0.50× |
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 | $31.2M |
| Free Cash FlowOCF − Capex | $15.4M | — |
| FCF MarginFCF / Revenue | 2.8% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $17.5M | $31.2M | ||
| Q2 25 | $2.7M | $112.7M | ||
| Q1 25 | — | $49.6M | ||
| Q4 24 | — | $81.0M | ||
| Q3 24 | — | $91.8M | ||
| Q2 24 | — | $99.2M | ||
| Q1 24 | — | $9.1M | ||
| Q4 23 | — | $89.9M |
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
| Q3 25 | — | — | ||
| Q2 25 | — | 5.29× | ||
| Q1 25 | — | 3.33× | ||
| Q4 24 | — | 7.50× | ||
| Q3 24 | — | 45.90× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 1.28× | ||
| Q4 23 | — | 1.97× |
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% |
DAY
| Dayforce Recurring | $333.0M | 69% |
| Cloud And Bureau Professional Services And Other | $78.5M | 16% |
| Float | $42.2M | 9% |
| Powerpay Recurring | $19.7M | 4% |
| Other Recurring | $8.2M | 2% |
