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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and GPGI, Inc. (GPGI). Click either name above to swap in a different company.
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.
CHYM vs GPGI — Head-to-Head
Income Statement — Q3 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $0 |
| Net Profit | $-54.7M | — |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | — |
| Net Margin | -10.1% | — |
| Revenue YoY | 28.8% | — |
| Net Profit YoY | -148.4% | 261.8% |
| 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 | — | $0 | ||
| Q3 25 | $543.5M | $0 | ||
| Q2 25 | $528.1M | $0 | ||
| Q1 25 | — | $59.8M | ||
| Q4 24 | — | $100.9M | ||
| Q3 24 | $421.9M | $107.1M | ||
| Q2 24 | $384.2M | $108.6M | ||
| Q1 24 | — | $104.0M |
| Q4 25 | — | — | ||
| Q3 25 | $-54.7M | $-174.7M | ||
| Q2 25 | $-923.4M | $-26.1M | ||
| Q1 25 | — | $21.5M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-22.0M | $-42.1M | ||
| Q2 24 | $385.0K | $11.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | 48.1% | ||
| Q4 24 | — | 52.1% | ||
| Q3 24 | 87.3% | 51.7% | ||
| Q2 24 | 86.9% | 51.6% | ||
| Q1 24 | — | 53.1% |
| Q4 25 | — | — | ||
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | — | ||
| Q1 25 | — | 10.1% | ||
| Q4 24 | — | 15.5% | ||
| Q3 24 | -7.3% | 27.2% | ||
| Q2 24 | -2.5% | 29.3% | ||
| Q1 24 | — | 29.9% |
| Q4 25 | — | — | ||
| Q3 25 | -10.1% | — | ||
| Q2 25 | -174.8% | — | ||
| Q1 25 | — | 35.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | -5.2% | -39.3% | ||
| Q2 24 | 0.1% | 10.2% | ||
| Q1 24 | — | 3.9% |
| Q4 25 | — | — | ||
| Q3 25 | $-0.15 | $-1.58 | ||
| Q2 25 | $-7.29 | $-0.26 | ||
| Q1 25 | — | $0.07 | ||
| Q4 24 | — | — | ||
| Q3 24 | $-0.34 | $-1.10 | ||
| Q2 24 | $0.00 | $0.32 | ||
| Q1 24 | — | $0.17 |
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 | $114.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $243.1M |
| Total Assets | $2.0B | $517.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $114.6M | ||
| Q3 25 | $445.0M | $127.4M | ||
| Q2 25 | $868.3M | $4.8M | ||
| Q1 25 | — | $9.5M | ||
| Q4 24 | — | $77.5M | ||
| Q3 24 | $270.8M | $52.7M | ||
| Q2 24 | $295.4M | $35.4M | ||
| Q1 24 | — | $55.1M |
| Q4 25 | — | $243.1M | ||
| Q3 25 | $1.4B | $152.5M | ||
| Q2 25 | $1.4B | $-106.4M | ||
| Q1 25 | — | $-87.3M | ||
| Q4 24 | — | $-143.4M | ||
| Q3 24 | $-1.9B | $-285.0M | ||
| Q2 24 | $-1.9B | $-725.6M | ||
| Q1 24 | — | $-794.0M |
| Q4 25 | — | $517.3M | ||
| Q3 25 | $2.0B | $505.5M | ||
| Q2 25 | $1.9B | $317.3M | ||
| Q1 25 | — | $292.3M | ||
| Q4 24 | — | $473.9M | ||
| Q3 24 | — | $435.4M | ||
| Q2 24 | — | $213.4M | ||
| Q1 24 | — | $213.6M |
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 | $-22.9M |
| 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.
| Q4 25 | — | $-22.9M | ||
| Q3 25 | $17.5M | $-11.9M | ||
| Q2 25 | — | $37.0K | ||
| Q1 25 | — | $3.0M | ||
| Q4 24 | — | $129.6M | ||
| Q3 24 | — | $29.4M | ||
| Q2 24 | — | $32.2M | ||
| Q1 24 | — | $33.8M |
| Q4 25 | — | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $122.1M | ||
| Q3 24 | — | $27.8M | ||
| Q2 24 | — | $30.7M | ||
| Q1 24 | — | $32.1M |
| Q4 25 | — | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 121.1% | ||
| Q3 24 | — | 25.9% | ||
| Q2 24 | — | 28.3% | ||
| Q1 24 | — | 30.9% |
| Q4 25 | — | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.0% | ||
| Q4 24 | — | 7.3% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.6% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 0.14× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.91× | ||
| Q1 24 | — | 8.39× |
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% |
GPGI
Segment breakdown not available.
