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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and dLocal Ltd (DLO). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $337.9M, roughly 1.6× dLocal Ltd). dLocal Ltd runs the higher net margin — 16.5% vs -10.1%, a 26.5% gap on every dollar of revenue. On growth, dLocal Ltd posted the faster year-over-year revenue change (65.2% vs 28.8%). dLocal Ltd produced more free cash flow last quarter ($99.8M 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.
dLocal Limited is a Uruguayan financial technology company. It provides cross-border payments connecting global merchants to emerging markets.
CHYM vs DLO — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $337.9M |
| Net Profit | $-54.7M | $55.6M |
| Gross Margin | 87.2% | 34.3% |
| Operating Margin | -11.9% | 18.6% |
| Net Margin | -10.1% | 16.5% |
| Revenue YoY | 28.8% | 65.2% |
| Net Profit YoY | -148.4% | 87.3% |
| EPS (diluted) | $-0.15 | $0.18 |
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 | — | $337.9M | ||
| Q3 25 | $543.5M | $282.5M | ||
| Q2 25 | $528.1M | — | ||
| Q4 24 | — | $204.5M | ||
| Q3 24 | $421.9M | $185.8M | ||
| Q2 24 | $384.2M | — |
| Q4 25 | — | $55.6M | ||
| Q3 25 | $-54.7M | $141.3M | ||
| Q2 25 | $-923.4M | — | ||
| Q4 24 | — | $29.7M | ||
| Q3 24 | $-22.0M | $90.8M | ||
| Q2 24 | $385.0K | — |
| Q4 25 | — | 34.3% | ||
| Q3 25 | 87.2% | 36.5% | ||
| Q2 25 | 87.3% | — | ||
| Q4 24 | — | 40.9% | ||
| Q3 24 | 87.3% | 42.1% | ||
| Q2 24 | 86.9% | — |
| Q4 25 | — | 18.6% | ||
| Q3 25 | -11.9% | 19.7% | ||
| Q2 25 | -176.2% | — | ||
| Q4 24 | — | 20.7% | ||
| Q3 24 | -7.3% | 22.1% | ||
| Q2 24 | -2.5% | — |
| Q4 25 | — | 16.5% | ||
| Q3 25 | -10.1% | 50.0% | ||
| Q2 25 | -174.8% | — | ||
| Q4 24 | — | 14.5% | ||
| Q3 24 | -5.2% | 48.9% | ||
| Q2 24 | 0.1% | — |
| Q4 25 | — | $0.18 | ||
| Q3 25 | $-0.15 | $0.17 | ||
| Q2 25 | $-7.29 | — | ||
| Q4 24 | — | $0.09 | ||
| Q3 24 | $-0.34 | $0.09 | ||
| 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 | $719.9M |
| Total DebtLower is stronger | — | $86.7M |
| Stockholders' EquityBook value | $1.4B | $569.4M |
| Total Assets | $2.0B | $1.5B |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $719.9M | ||
| Q3 25 | $445.0M | $604.5M | ||
| Q2 25 | $868.3M | — | ||
| Q4 24 | — | $425.2M | ||
| Q3 24 | $270.8M | $560.5M | ||
| Q2 24 | $295.4M | — |
| Q4 25 | — | $86.7M | ||
| Q3 25 | — | $63.1M | ||
| Q2 25 | — | — | ||
| Q4 24 | — | $39.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | $569.4M | ||
| Q3 25 | $1.4B | $504.7M | ||
| Q2 25 | $1.4B | — | ||
| Q4 24 | — | $489.0M | ||
| Q3 24 | $-1.9B | $457.0M | ||
| Q2 24 | $-1.9B | — |
| Q4 25 | — | $1.5B | ||
| Q3 25 | $2.0B | $1.4B | ||
| Q2 25 | $1.9B | — | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | — | ||
| Q4 24 | — | 0.08× | ||
| 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 | $100.4M |
| Free Cash FlowOCF − Capex | $15.4M | $99.8M |
| FCF MarginFCF / Revenue | 2.8% | 29.5% |
| Capex IntensityCapex / Revenue | 0.4% | 0.2% |
| Cash ConversionOCF / Net Profit | — | 1.80× |
| TTM Free Cash FlowTrailing 4 quarters | — | $378.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $100.4M | ||
| Q3 25 | $17.5M | $315.0M | ||
| Q2 25 | $2.7M | — | ||
| Q4 24 | — | $-141.1M | ||
| Q3 24 | — | $108.3M | ||
| Q2 24 | — | — |
| Q4 25 | — | $99.8M | ||
| Q3 25 | $15.4M | $313.4M | ||
| Q2 25 | $-888.0K | — | ||
| Q4 24 | — | $-141.6M | ||
| Q3 24 | — | $107.1M | ||
| Q2 24 | — | — |
| Q4 25 | — | 29.5% | ||
| Q3 25 | 2.8% | 110.9% | ||
| Q2 25 | -0.2% | — | ||
| Q4 24 | — | -69.2% | ||
| Q3 24 | — | 57.6% | ||
| Q2 24 | — | — |
| Q4 25 | — | 0.2% | ||
| Q3 25 | 0.4% | 0.6% | ||
| Q2 25 | 0.7% | — | ||
| Q4 24 | — | 0.2% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | — |
| Q4 25 | — | 1.80× | ||
| Q3 25 | — | 2.23× | ||
| Q2 25 | — | — | ||
| Q4 24 | — | -4.75× | ||
| Q3 24 | — | 1.19× | ||
| 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% |
DLO
Segment breakdown not available.
