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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and IPG PHOTONICS CORP (IPGP). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $274.5M, roughly 2.0× IPG PHOTONICS CORP). IPG PHOTONICS CORP runs the higher net margin — 4.8% vs -10.1%, a 14.9% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 17.1%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $10.9M).
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.
IPG Photonics Corporation is a manufacturer of fiber lasers. IPG Photonics developed and commercialized optical fiber lasers, which are used in a variety of applications including materials processing, medical applications and telecommunications. IPG has manufacturing facilities in the United States, Germany, Russia and Italy.
CHYM vs IPGP — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $274.5M |
| Net Profit | $-54.7M | $13.3M |
| Gross Margin | 87.2% | 36.1% |
| Operating Margin | -11.9% | 1.2% |
| Net Margin | -10.1% | 4.8% |
| Revenue YoY | 28.8% | 17.1% |
| Net Profit YoY | -148.4% | 69.8% |
| EPS (diluted) | $-0.15 | $0.30 |
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 | — | $274.5M | ||
| Q3 25 | $543.5M | $250.8M | ||
| Q2 25 | $528.1M | $250.7M | ||
| Q1 25 | — | $227.8M | ||
| Q4 24 | — | $234.3M | ||
| Q3 24 | $421.9M | $233.1M | ||
| Q2 24 | $384.2M | $257.6M | ||
| Q1 24 | — | $252.0M |
| Q4 25 | — | $13.3M | ||
| Q3 25 | $-54.7M | $7.5M | ||
| Q2 25 | $-923.4M | $6.6M | ||
| Q1 25 | — | $3.8M | ||
| Q4 24 | — | $7.8M | ||
| Q3 24 | $-22.0M | $-233.6M | ||
| Q2 24 | $385.0K | $20.2M | ||
| Q1 24 | — | $24.1M |
| Q4 25 | — | 36.1% | ||
| Q3 25 | 87.2% | 39.5% | ||
| Q2 25 | 87.3% | 37.3% | ||
| Q1 25 | — | 39.4% | ||
| Q4 24 | — | 38.6% | ||
| Q3 24 | 87.3% | 23.2% | ||
| Q2 24 | 86.9% | 37.3% | ||
| Q1 24 | — | 38.7% |
| Q4 25 | — | 1.2% | ||
| Q3 25 | -11.9% | 3.1% | ||
| Q2 25 | -176.2% | 0.0% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 6.0% | ||
| Q3 24 | -7.3% | -108.7% | ||
| Q2 24 | -2.5% | 4.7% | ||
| Q1 24 | — | 7.6% |
| Q4 25 | — | 4.8% | ||
| Q3 25 | -10.1% | 3.0% | ||
| Q2 25 | -174.8% | 2.6% | ||
| Q1 25 | — | 1.6% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | -5.2% | -100.2% | ||
| Q2 24 | 0.1% | 7.8% | ||
| Q1 24 | — | 9.6% |
| Q4 25 | — | $0.30 | ||
| Q3 25 | $-0.15 | $0.18 | ||
| Q2 25 | $-7.29 | $0.16 | ||
| Q1 25 | — | $0.09 | ||
| Q4 24 | — | $0.27 | ||
| Q3 24 | $-0.34 | $-5.33 | ||
| Q2 24 | $0.00 | $0.45 | ||
| Q1 24 | — | $0.52 |
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 | $839.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $2.1B |
| Total Assets | $2.0B | $2.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $839.3M | ||
| Q3 25 | $445.0M | $870.4M | ||
| Q2 25 | $868.3M | $899.6M | ||
| Q1 25 | — | $926.9M | ||
| Q4 24 | — | $930.2M | ||
| Q3 24 | $270.8M | $1.0B | ||
| Q2 24 | $295.4M | $1.1B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | — | $2.1B | ||
| Q3 25 | $1.4B | $2.1B | ||
| Q2 25 | $1.4B | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | $-1.9B | $2.1B | ||
| Q2 24 | $-1.9B | $2.3B | ||
| Q1 24 | — | $2.3B |
| Q4 25 | — | $2.4B | ||
| Q3 25 | $2.0B | $2.4B | ||
| Q2 25 | $1.9B | $2.4B | ||
| Q1 25 | — | $2.3B | ||
| Q4 24 | — | $2.3B | ||
| Q3 24 | — | $2.4B | ||
| Q2 24 | — | $2.5B | ||
| Q1 24 | — | $2.6B |
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 | $28.8M |
| Free Cash FlowOCF − Capex | $15.4M | $10.9M |
| FCF MarginFCF / Revenue | 2.8% | 4.0% |
| Capex IntensityCapex / Revenue | 0.4% | 6.5% |
| Cash ConversionOCF / Net Profit | — | 2.17× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-3.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $28.8M | ||
| Q3 25 | $17.5M | $35.3M | ||
| Q2 25 | $2.7M | $-2.2M | ||
| Q1 25 | — | $13.4M | ||
| Q4 24 | — | $73.8M | ||
| Q3 24 | — | $66.1M | ||
| Q2 24 | — | $53.5M | ||
| Q1 24 | — | $54.6M |
| Q4 25 | — | $10.9M | ||
| Q3 25 | $15.4M | $14.6M | ||
| Q2 25 | $-888.0K | $-17.6M | ||
| Q1 25 | — | $-11.4M | ||
| Q4 24 | — | $50.6M | ||
| Q3 24 | — | $43.0M | ||
| Q2 24 | — | $29.2M | ||
| Q1 24 | — | $26.5M |
| Q4 25 | — | 4.0% | ||
| Q3 25 | 2.8% | 5.8% | ||
| Q2 25 | -0.2% | -7.0% | ||
| Q1 25 | — | -5.0% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | — | 18.4% | ||
| Q2 24 | — | 11.3% | ||
| Q1 24 | — | 10.5% |
| Q4 25 | — | 6.5% | ||
| Q3 25 | 0.4% | 8.3% | ||
| Q2 25 | 0.7% | 6.1% | ||
| Q1 25 | — | 10.9% | ||
| Q4 24 | — | 9.9% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 9.4% | ||
| Q1 24 | — | 11.1% |
| Q4 25 | — | 2.17× | ||
| Q3 25 | — | 4.73× | ||
| Q2 25 | — | -0.34× | ||
| Q1 25 | — | 3.58× | ||
| Q4 24 | — | 9.44× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 2.65× | ||
| Q1 24 | — | 2.27× |
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% |
IPGP
| Materials Processing | $232.8M | 85% |
| Laser And Non Laser Systems | $38.8M | 14% |
| Transferred Over Time | $5.3M | 2% |
