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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Diversified Energy Co (DEC). Click either name above to swap in a different company.
Diversified Energy Co is the larger business by last-quarter revenue ($666.5M vs $543.5M, roughly 1.2× Chime Financial, Inc.). Diversified Energy Co runs the higher net margin — 29.3% vs -10.1%, a 39.4% gap on every dollar of revenue. Diversified Energy Co produced more free cash flow last quarter ($280.0M vs $15.4M).
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.
DTE Energy is a Detroit-based diversified energy company involved in the development and management of energy-related businesses and services in the United States and Canada. Its operating units include an electric utility serving 2.2 million customers and a natural gas utility serving 1.3 million customers in Michigan.
CHYM vs DEC — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $666.5M |
| Net Profit | $-54.7M | $195.5M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | 37.6% |
| Net Margin | -10.1% | 29.3% |
| Revenue YoY | 28.8% | — |
| Net Profit YoY | -148.4% | — |
| EPS (diluted) | $-0.15 | — |
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.
| Q4 25 | — | $666.5M | ||
| Q3 25 | $543.5M | $499.8M | ||
| Q2 25 | $528.1M | $600.3M | ||
| Q3 24 | $421.9M | — | ||
| Q2 24 | $384.2M | — |
| Q4 25 | — | $195.5M | ||
| Q3 25 | $-54.7M | $171.1M | ||
| Q2 25 | $-923.4M | $297.7M | ||
| Q3 24 | $-22.0M | — | ||
| Q2 24 | $385.0K | — |
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | 44.7% | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — |
| Q4 25 | — | 37.6% | ||
| Q3 25 | -11.9% | 36.2% | ||
| Q2 25 | -176.2% | 48.5% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | — |
| Q4 25 | — | 29.3% | ||
| Q3 25 | -10.1% | 34.2% | ||
| Q2 25 | -174.8% | 49.6% | ||
| Q3 24 | -5.2% | — | ||
| Q2 24 | 0.1% | — |
| Q4 25 | — | — | ||
| Q3 25 | $-0.15 | $2.14 | ||
| Q2 25 | $-7.29 | $3.67 | ||
| Q3 24 | $-0.34 | — | ||
| Q2 24 | $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 | $29.7M |
| Total DebtLower is stronger | — | $2.7B |
| Stockholders' EquityBook value | $1.4B | $984.1M |
| Total Assets | $2.0B | $6.2B |
| Debt / EquityLower = less leverage | — | 2.76× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $29.7M | ||
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | $23.7M | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | — |
| Q4 25 | — | $2.7B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | $984.1M | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $727.7M | ||
| Q3 24 | $-1.9B | — | ||
| Q2 24 | $-1.9B | — |
| Q4 25 | — | $6.2B | ||
| Q3 25 | $2.0B | — | ||
| Q2 25 | $1.9B | $5.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | 2.76× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| 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 | $464.6M |
| Free Cash FlowOCF − Capex | $15.4M | $280.0M |
| FCF MarginFCF / Revenue | 2.8% | 42.0% |
| Capex IntensityCapex / Revenue | 0.4% | 27.7% |
| Cash ConversionOCF / Net Profit | — | 2.38× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $464.6M | ||
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | $264.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | $280.0M | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | 42.0% | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | 27.7% | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | 2.38× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 0.89× | ||
| 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% |
DEC
Segment breakdown not available.
