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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and JBT Marel Corp (JBTM). Click either name above to swap in a different company.
JBT Marel Corp is the larger business by last-quarter revenue ($1.0B vs $543.5M, roughly 1.9× Chime Financial, Inc.). JBT Marel Corp runs the higher net margin — 5.3% vs -10.1%, a 15.3% gap on every dollar of revenue. On growth, JBT Marel Corp posted the faster year-over-year revenue change (115.6% vs 28.8%). JBT Marel Corp produced more free cash flow last quarter ($83.5M 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.
JBT Marel Corporation, formerly known as JBT Corporation, or John Bean Technologies Corporation, is a food processing machinery and automated vehicle company. The company was incorporated in 2008 when FMC Technologies divested its non-energy businesses. The company is based in Chicago, Illinois and traces its history back to a company founded in 1884 by John Bean, an orchardist in Los Gatos, California.
CHYM vs JBTM — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $1.0B |
| Net Profit | $-54.7M | $53.1M |
| Gross Margin | 87.2% | 34.5% |
| Operating Margin | -11.9% | 7.2% |
| Net Margin | -10.1% | 5.3% |
| Revenue YoY | 28.8% | 115.6% |
| Net Profit YoY | -148.4% | 858.6% |
| EPS (diluted) | $-0.15 | $1.04 |
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 | — | $1.0B | ||
| Q3 25 | $543.5M | $1.0B | ||
| Q2 25 | $528.1M | $934.8M | ||
| Q1 25 | — | $854.1M | ||
| Q4 24 | — | $467.6M | ||
| Q3 24 | $421.9M | $453.8M | ||
| Q2 24 | $384.2M | $402.3M | ||
| Q1 24 | — | $392.3M |
| Q4 25 | — | $53.1M | ||
| Q3 25 | $-54.7M | $66.0M | ||
| Q2 25 | $-923.4M | $3.4M | ||
| Q1 25 | — | $-173.0M | ||
| Q4 24 | — | $-7.0M | ||
| Q3 24 | $-22.0M | $38.9M | ||
| Q2 24 | $385.0K | $30.7M | ||
| Q1 24 | — | $22.8M |
| Q4 25 | — | 34.5% | ||
| Q3 25 | 87.2% | 35.9% | ||
| Q2 25 | 87.3% | 35.8% | ||
| Q1 25 | — | 34.2% | ||
| Q4 24 | — | 38.4% | ||
| Q3 24 | 87.3% | 36.1% | ||
| Q2 24 | 86.9% | 35.6% | ||
| Q1 24 | — | 35.8% |
| Q4 25 | — | 7.2% | ||
| Q3 25 | -11.9% | 10.2% | ||
| Q2 25 | -176.2% | 5.2% | ||
| Q1 25 | — | -3.9% | ||
| Q4 24 | — | 3.4% | ||
| Q3 24 | -7.3% | 10.3% | ||
| Q2 24 | -2.5% | 6.7% | ||
| Q1 24 | — | 7.4% |
| Q4 25 | — | 5.3% | ||
| Q3 25 | -10.1% | 6.6% | ||
| Q2 25 | -174.8% | 0.4% | ||
| Q1 25 | — | -20.3% | ||
| Q4 24 | — | -1.5% | ||
| Q3 24 | -5.2% | 8.6% | ||
| Q2 24 | 0.1% | 7.6% | ||
| Q1 24 | — | 5.8% |
| Q4 25 | — | $1.04 | ||
| Q3 25 | $-0.15 | $1.26 | ||
| Q2 25 | $-7.29 | $0.07 | ||
| Q1 25 | — | $-3.35 | ||
| Q4 24 | — | $-0.22 | ||
| Q3 24 | $-0.34 | $1.21 | ||
| Q2 24 | $0.00 | $0.95 | ||
| Q1 24 | — | $0.71 |
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 | $167.9M |
| Total DebtLower is stronger | — | $1.5B |
| Stockholders' EquityBook value | $1.4B | $4.5B |
| Total Assets | $2.0B | $8.2B |
| Debt / EquityLower = less leverage | — | 0.33× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $167.9M | ||
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $1.5B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | — | $648.3M | ||
| Q2 24 | — | $647.7M | ||
| Q1 24 | — | $647.0M |
| Q4 25 | — | $4.5B | ||
| Q3 25 | $1.4B | $4.4B | ||
| Q2 25 | $1.4B | $4.4B | ||
| Q1 25 | — | $4.1B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | $-1.9B | $1.6B | ||
| Q2 24 | $-1.9B | $1.5B | ||
| Q1 24 | — | $1.5B |
| Q4 25 | — | $8.2B | ||
| Q3 25 | $2.0B | $8.2B | ||
| Q2 25 | $1.9B | $8.3B | ||
| Q1 25 | — | $8.0B | ||
| Q4 24 | — | $3.4B | ||
| Q3 24 | — | $2.8B | ||
| Q2 24 | — | $2.7B | ||
| Q1 24 | — | $2.7B |
| Q4 25 | — | 0.33× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.35× | ||
| Q1 25 | — | 0.48× | ||
| Q4 24 | — | 0.81× | ||
| Q3 24 | — | 0.41× | ||
| Q2 24 | — | 0.43× | ||
| Q1 24 | — | 0.43× |
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 | $117.4M |
| Free Cash FlowOCF − Capex | $15.4M | $83.5M |
| FCF MarginFCF / Revenue | 2.8% | 8.3% |
| Capex IntensityCapex / Revenue | 0.4% | 3.4% |
| Cash ConversionOCF / Net Profit | — | 2.21× |
| TTM Free Cash FlowTrailing 4 quarters | — | $238.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $117.4M | ||
| Q3 25 | $17.5M | $87.7M | ||
| Q2 25 | $2.7M | $102.2M | ||
| Q1 25 | — | $34.4M | ||
| Q4 24 | — | $128.7M | ||
| Q3 24 | — | $71.9M | ||
| Q2 24 | — | $21.6M | ||
| Q1 24 | — | $10.4M |
| Q4 25 | — | $83.5M | ||
| Q3 25 | $15.4M | $56.5M | ||
| Q2 25 | $-888.0K | $83.7M | ||
| Q1 25 | — | $14.4M | ||
| Q4 24 | — | $118.7M | ||
| Q3 24 | — | $65.0M | ||
| Q2 24 | — | $11.1M | ||
| Q1 24 | — | $-100.0K |
| Q4 25 | — | 8.3% | ||
| Q3 25 | 2.8% | 5.6% | ||
| Q2 25 | -0.2% | 9.0% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | — | 14.3% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | -0.0% |
| Q4 25 | — | 3.4% | ||
| Q3 25 | 0.4% | 3.1% | ||
| Q2 25 | 0.7% | 2.0% | ||
| Q1 25 | — | 2.3% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 2.6% | ||
| Q1 24 | — | 2.7% |
| Q4 25 | — | 2.21× | ||
| Q3 25 | — | 1.33× | ||
| Q2 25 | — | 30.06× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.85× | ||
| Q2 24 | — | 0.70× | ||
| Q1 24 | — | 0.46× |
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% |
JBTM
Segment breakdown not available.
