vs
Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Liberty Energy Inc. (LBRT). Click either name above to swap in a different company.
Liberty Energy Inc. is the larger business by last-quarter revenue ($1.0B vs $543.5M, roughly 1.9× Chime Financial, Inc.). Liberty Energy Inc. runs the higher net margin — 2.2% vs -10.1%, a 12.3% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 4.5%).
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.
Liberty Energy Inc. is a North American energy services provider specializing in hydraulic fracturing and well completion solutions for oil and gas operators. It serves clients across major U.S. shale basins, offering low-emission equipment and tailored support to optimize well productivity.
CHYM vs LBRT — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $1.0B |
| Net Profit | $-54.7M | $22.6M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | 2.2% |
| Net Margin | -10.1% | 2.2% |
| Revenue YoY | 28.8% | 4.5% |
| Net Profit YoY | -148.4% | 64.8% |
| EPS (diluted) | $-0.15 | $0.14 |
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.
| Q1 26 | — | $1.0B | ||
| Q4 25 | — | $1.0B | ||
| Q3 25 | $543.5M | $947.4M | ||
| Q2 25 | $528.1M | $1.0B | ||
| Q1 25 | — | $977.5M | ||
| Q4 24 | — | $943.6M | ||
| Q3 24 | $421.9M | $1.1B | ||
| Q2 24 | $384.2M | $1.2B |
| Q1 26 | — | $22.6M | ||
| Q4 25 | — | $13.7M | ||
| Q3 25 | $-54.7M | $43.1M | ||
| Q2 25 | $-923.4M | $71.0M | ||
| Q1 25 | — | $20.1M | ||
| Q4 24 | — | $51.9M | ||
| Q3 24 | $-22.0M | $73.8M | ||
| Q2 24 | $385.0K | $108.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 20.6% | ||
| Q3 25 | 87.2% | 18.7% | ||
| Q2 25 | 87.3% | 22.1% | ||
| Q1 25 | — | 22.1% | ||
| Q4 24 | — | 21.4% | ||
| Q3 24 | 87.3% | 26.2% | ||
| Q2 24 | 86.9% | 27.9% |
| Q1 26 | — | 2.2% | ||
| Q4 25 | — | 1.9% | ||
| Q3 25 | -11.9% | -0.3% | ||
| Q2 25 | -176.2% | 3.6% | ||
| Q1 25 | — | 1.9% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | -7.3% | 9.4% | ||
| Q2 24 | -2.5% | 12.2% |
| Q1 26 | — | 2.2% | ||
| Q4 25 | — | 1.3% | ||
| Q3 25 | -10.1% | 4.5% | ||
| Q2 25 | -174.8% | 6.8% | ||
| Q1 25 | — | 2.1% | ||
| Q4 24 | — | 5.5% | ||
| Q3 24 | -5.2% | 6.5% | ||
| Q2 24 | 0.1% | 9.3% |
| Q1 26 | — | $0.14 | ||
| Q4 25 | — | $0.08 | ||
| Q3 25 | $-0.15 | $0.26 | ||
| Q2 25 | $-7.29 | $0.43 | ||
| Q1 25 | — | $0.12 | ||
| Q4 24 | — | $0.31 | ||
| Q3 24 | $-0.34 | $0.44 | ||
| Q2 24 | $0.00 | $0.64 |
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 | $699.1M |
| Total DebtLower is stronger | — | $7.1M |
| Stockholders' EquityBook value | $1.4B | $1.9B |
| Total Assets | $2.0B | $4.4B |
| Debt / EquityLower = less leverage | — | 0.00× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $699.1M | ||
| Q4 25 | — | $27.6M | ||
| Q3 25 | $445.0M | $13.5M | ||
| Q2 25 | $868.3M | $19.6M | ||
| Q1 25 | — | $24.1M | ||
| Q4 24 | — | $20.0M | ||
| Q3 24 | $270.8M | $23.0M | ||
| Q2 24 | $295.4M | $30.0M |
| Q1 26 | — | $7.1M | ||
| Q4 25 | — | $246.6M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $190.5M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $1.9B | ||
| Q4 25 | — | $2.1B | ||
| Q3 25 | $1.4B | $2.1B | ||
| Q2 25 | $1.4B | $2.0B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | $-1.9B | $2.0B | ||
| Q2 24 | $-1.9B | $1.9B |
| Q1 26 | — | $4.4B | ||
| Q4 25 | — | $3.6B | ||
| Q3 25 | $2.0B | $3.5B | ||
| Q2 25 | $1.9B | $3.4B | ||
| Q1 25 | — | $3.4B | ||
| Q4 24 | — | $3.3B | ||
| Q3 24 | — | $3.3B | ||
| Q2 24 | — | $3.2B |
| Q1 26 | — | 0.00× | ||
| Q4 25 | — | 0.12× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.10× | ||
| 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 | — |
| Free Cash FlowOCF − Capex | $15.4M | — |
| FCF MarginFCF / Revenue | 2.8% | — |
| Capex IntensityCapex / Revenue | 0.4% | 13.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $195.4M | ||
| Q3 25 | $17.5M | $51.5M | ||
| Q2 25 | $2.7M | $170.6M | ||
| Q1 25 | — | $192.1M | ||
| Q4 24 | — | $177.3M | ||
| Q3 24 | — | $244.5M | ||
| Q2 24 | — | $248.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-10.0M | ||
| Q3 25 | $15.4M | $-67.2M | ||
| Q2 25 | $-888.0K | $33.1M | ||
| Q1 25 | — | $58.2M | ||
| Q4 24 | — | $-26.2M | ||
| Q3 24 | — | $77.9M | ||
| Q2 24 | — | $112.2M |
| Q1 26 | — | — | ||
| Q4 25 | — | -1.0% | ||
| Q3 25 | 2.8% | -7.1% | ||
| Q2 25 | -0.2% | 3.2% | ||
| Q1 25 | — | 6.0% | ||
| Q4 24 | — | -2.8% | ||
| Q3 24 | — | 6.8% | ||
| Q2 24 | — | 9.7% |
| Q1 26 | — | 13.1% | ||
| Q4 25 | — | 19.8% | ||
| Q3 25 | 0.4% | 12.5% | ||
| Q2 25 | 0.7% | 13.2% | ||
| Q1 25 | — | 13.7% | ||
| Q4 24 | — | 21.6% | ||
| Q3 24 | — | 14.6% | ||
| Q2 24 | — | 11.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.28× | ||
| Q3 25 | — | 1.20× | ||
| Q2 25 | — | 2.40× | ||
| Q1 25 | — | 9.55× | ||
| Q4 24 | — | 3.42× | ||
| Q3 24 | — | 3.31× | ||
| Q2 24 | — | 2.29× |
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% |
LBRT
Segment breakdown not available.
