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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and ESCO TECHNOLOGIES INC (ESE). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $289.7M, roughly 1.9× ESCO TECHNOLOGIES INC). ESCO TECHNOLOGIES INC runs the higher net margin — 9.9% vs -10.1%, a 20.0% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 17.3%). ESCO TECHNOLOGIES INC produced more free cash flow last quarter ($63.0M 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.
Esco is a Singaporean brand that develops, manufactures, and sells products and services for laboratories.
CHYM vs ESE — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $289.7M |
| Net Profit | $-54.7M | $28.7M |
| Gross Margin | 87.2% | 41.4% |
| Operating Margin | -11.9% | 13.2% |
| Net Margin | -10.1% | 9.9% |
| Revenue YoY | 28.8% | 17.3% |
| Net Profit YoY | -148.4% | 22.2% |
| EPS (diluted) | $-0.15 | $1.11 |
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 | — | $289.7M | ||
| Q3 25 | $543.5M | $286.5M | ||
| Q2 25 | $528.1M | $296.3M | ||
| Q1 25 | — | $265.5M | ||
| Q4 24 | — | $247.0M | ||
| Q3 24 | $421.9M | $298.5M | ||
| Q2 24 | $384.2M | $260.8M | ||
| Q1 24 | — | $249.1M |
| Q4 25 | — | $28.7M | ||
| Q3 25 | $-54.7M | $218.7M | ||
| Q2 25 | $-923.4M | $26.1M | ||
| Q1 25 | — | $31.0M | ||
| Q4 24 | — | $23.5M | ||
| Q3 24 | $-22.0M | $34.3M | ||
| Q2 24 | $385.0K | $29.2M | ||
| Q1 24 | — | $23.2M |
| Q4 25 | — | 41.4% | ||
| Q3 25 | 87.2% | 45.9% | ||
| Q2 25 | 87.3% | 41.2% | ||
| Q1 25 | — | 41.1% | ||
| Q4 24 | — | 39.8% | ||
| Q3 24 | 87.3% | 40.1% | ||
| Q2 24 | 86.9% | 39.6% | ||
| Q1 24 | — | 38.8% |
| Q4 25 | — | 13.2% | ||
| Q3 25 | -11.9% | 17.2% | ||
| Q2 25 | -176.2% | 11.2% | ||
| Q1 25 | — | 15.3% | ||
| Q4 24 | — | 11.4% | ||
| Q3 24 | -7.3% | 14.8% | ||
| Q2 24 | -2.5% | 14.3% | ||
| Q1 24 | — | 11.7% |
| Q4 25 | — | 9.9% | ||
| Q3 25 | -10.1% | 76.3% | ||
| Q2 25 | -174.8% | 8.8% | ||
| Q1 25 | — | 11.7% | ||
| Q4 24 | — | 9.5% | ||
| Q3 24 | -5.2% | 11.5% | ||
| Q2 24 | 0.1% | 11.2% | ||
| Q1 24 | — | 9.3% |
| Q4 25 | — | $1.11 | ||
| Q3 25 | $-0.15 | $8.43 | ||
| Q2 25 | $-7.29 | $1.01 | ||
| Q1 25 | — | $1.20 | ||
| Q4 24 | — | $0.91 | ||
| Q3 24 | $-0.34 | $1.32 | ||
| Q2 24 | $0.00 | $1.13 | ||
| Q1 24 | — | $0.90 |
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 | $103.8M |
| Total DebtLower is stronger | — | $145.5M |
| Stockholders' EquityBook value | $1.4B | $1.6B |
| Total Assets | $2.0B | $2.4B |
| Debt / EquityLower = less leverage | — | 0.09× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $103.8M | ||
| Q3 25 | $445.0M | $101.3M | ||
| Q2 25 | $868.3M | $78.7M | ||
| Q1 25 | — | $57.4M | ||
| Q4 24 | — | $71.3M | ||
| Q3 24 | $270.8M | $66.0M | ||
| Q2 24 | $295.4M | $63.0M | ||
| Q1 24 | — | $59.4M |
| Q4 25 | — | $145.5M | ||
| Q3 25 | — | $186.0M | ||
| Q2 25 | — | $525.0M | ||
| Q1 25 | — | $88.0M | ||
| Q4 24 | — | $112.0M | ||
| Q3 24 | — | $122.0M | ||
| Q2 24 | — | $173.0M | ||
| Q1 24 | — | $191.0M |
| Q4 25 | — | $1.6B | ||
| Q3 25 | $1.4B | $1.5B | ||
| Q2 25 | $1.4B | $1.3B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $-1.9B | $1.2B | ||
| Q2 24 | $-1.9B | $1.2B | ||
| Q1 24 | — | $1.2B |
| Q4 25 | — | $2.4B | ||
| Q3 25 | $2.0B | $2.4B | ||
| Q2 25 | $1.9B | $2.5B | ||
| Q1 25 | — | $1.8B | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $1.8B | ||
| Q2 24 | — | $1.8B | ||
| Q1 24 | — | $1.8B |
| Q4 25 | — | 0.09× | ||
| Q3 25 | — | 0.12× | ||
| Q2 25 | — | 0.40× | ||
| Q1 25 | — | 0.07× | ||
| Q4 24 | — | 0.09× | ||
| Q3 24 | — | 0.10× | ||
| Q2 24 | — | 0.14× | ||
| Q1 24 | — | 0.16× |
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 | $68.9M |
| Free Cash FlowOCF − Capex | $15.4M | $63.0M |
| FCF MarginFCF / Revenue | 2.8% | 21.7% |
| Capex IntensityCapex / Revenue | 0.4% | 2.0% |
| Cash ConversionOCF / Net Profit | — | 2.40× |
| TTM Free Cash FlowTrailing 4 quarters | — | $239.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $68.9M | ||
| Q3 25 | $17.5M | $109.9M | ||
| Q2 25 | $2.7M | $73.7M | ||
| Q1 25 | — | $24.1M | ||
| Q4 24 | — | $34.2M | ||
| Q3 24 | — | $72.1M | ||
| Q2 24 | — | $36.2M | ||
| Q1 24 | — | $10.5M |
| Q4 25 | — | $63.0M | ||
| Q3 25 | $15.4M | $97.8M | ||
| Q2 25 | $-888.0K | $64.9M | ||
| Q1 25 | — | $14.0M | ||
| Q4 24 | — | $29.0M | ||
| Q3 24 | — | $60.9M | ||
| Q2 24 | — | $27.6M | ||
| Q1 24 | — | $2.0M |
| Q4 25 | — | 21.7% | ||
| Q3 25 | 2.8% | 34.1% | ||
| Q2 25 | -0.2% | 21.9% | ||
| Q1 25 | — | 5.3% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 20.4% | ||
| Q2 24 | — | 10.6% | ||
| Q1 24 | — | 0.8% |
| Q4 25 | — | 2.0% | ||
| Q3 25 | 0.4% | 4.2% | ||
| Q2 25 | 0.7% | 3.0% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | — | 3.8% | ||
| Q2 24 | — | 3.3% | ||
| Q1 24 | — | 3.4% |
| Q4 25 | — | 2.40× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 2.83× | ||
| Q1 25 | — | 0.78× | ||
| Q4 24 | — | 1.46× | ||
| Q3 24 | — | 2.10× | ||
| Q2 24 | — | 1.24× | ||
| Q1 24 | — | 0.45× |
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% |
ESE
| US Government | $98.0M | 34% |
| Utility Solutions Group | $87.5M | 30% |
| RF Shielding And Test | $58.3M | 20% |
| Commercial | $45.8M | 16% |
| Related Party | $1.3M | 0% |
