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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and loanDepot, Inc. (LDI). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $310.3M, roughly 1.8× loanDepot, Inc.). loanDepot, Inc. runs the higher net margin — -7.2% vs -10.1%, a 2.8% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 20.5%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $-648.0M).
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.
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
CHYM vs LDI — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $310.3M |
| Net Profit | $-54.7M | $-22.5M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | -10.3% |
| Net Margin | -10.1% | -7.2% |
| Revenue YoY | 28.8% | 20.5% |
| Net Profit YoY | -148.4% | 32.4% |
| 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 | — | $310.3M | ||
| Q3 25 | $543.5M | $323.3M | ||
| Q2 25 | $528.1M | $282.5M | ||
| Q1 25 | — | $273.6M | ||
| Q4 24 | — | $257.5M | ||
| Q3 24 | $421.9M | $314.6M | ||
| Q2 24 | $384.2M | $265.4M | ||
| Q1 24 | — | $222.8M |
| Q4 25 | — | $-22.5M | ||
| Q3 25 | $-54.7M | $-4.9M | ||
| Q2 25 | $-923.4M | $-13.4M | ||
| Q1 25 | — | $-21.9M | ||
| Q4 24 | — | $-33.2M | ||
| Q3 24 | $-22.0M | $1.4M | ||
| Q2 24 | $385.0K | $-32.2M | ||
| Q1 24 | — | $-34.3M |
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | -10.3% | ||
| Q3 25 | -11.9% | -3.2% | ||
| Q2 25 | -176.2% | -11.4% | ||
| Q1 25 | — | -16.8% | ||
| Q4 24 | — | -32.7% | ||
| Q3 24 | -7.3% | 1.1% | ||
| Q2 24 | -2.5% | -29.1% | ||
| Q1 24 | — | -38.2% |
| Q4 25 | — | -7.2% | ||
| Q3 25 | -10.1% | -1.5% | ||
| Q2 25 | -174.8% | -4.7% | ||
| Q1 25 | — | -8.0% | ||
| Q4 24 | — | -12.9% | ||
| Q3 24 | -5.2% | 0.4% | ||
| Q2 24 | 0.1% | -12.1% | ||
| Q1 24 | — | -15.4% |
| Q4 25 | — | — | ||
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $-0.34 | $0.01 | ||
| Q2 24 | $0.00 | $-0.18 | ||
| Q1 24 | — | $-0.19 |
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 | $337.2M |
| Total DebtLower is stronger | — | $2.1B |
| Stockholders' EquityBook value | $1.4B | $386.0M |
| Total Assets | $2.0B | $6.9B |
| Debt / EquityLower = less leverage | — | 5.44× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $337.2M | ||
| Q3 25 | $445.0M | $459.2M | ||
| Q2 25 | $868.3M | $408.6M | ||
| Q1 25 | — | $371.5M | ||
| Q4 24 | — | $421.6M | ||
| Q3 24 | $270.8M | $483.0M | ||
| Q2 24 | $295.4M | $533.2M | ||
| Q1 24 | — | $603.7M |
| Q4 25 | — | $2.1B | ||
| Q3 25 | — | $2.1B | ||
| Q2 25 | — | $2.1B | ||
| Q1 25 | — | $2.0B | ||
| Q4 24 | — | $2.0B | ||
| Q3 24 | — | $2.0B | ||
| Q2 24 | — | $2.0B | ||
| Q1 24 | — | $2.3B |
| Q4 25 | — | $386.0M | ||
| Q3 25 | $1.4B | $433.3M | ||
| Q2 25 | $1.4B | $439.1M | ||
| Q1 25 | — | $469.3M | ||
| Q4 24 | — | $506.6M | ||
| Q3 24 | $-1.9B | $592.0M | ||
| Q2 24 | $-1.9B | $578.9M | ||
| Q1 24 | — | $637.3M |
| Q4 25 | — | $6.9B | ||
| Q3 25 | $2.0B | $6.2B | ||
| Q2 25 | $1.9B | $6.2B | ||
| Q1 25 | — | $6.4B | ||
| Q4 24 | — | $6.3B | ||
| Q3 24 | — | $6.4B | ||
| Q2 24 | — | $5.9B | ||
| Q1 24 | — | $6.2B |
| Q4 25 | — | 5.44× | ||
| Q3 25 | — | 4.83× | ||
| Q2 25 | — | 4.70× | ||
| Q1 25 | — | 4.30× | ||
| Q4 24 | — | 4.00× | ||
| Q3 24 | — | 3.31× | ||
| Q2 24 | — | 3.41× | ||
| Q1 24 | — | 3.63× |
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 | $-638.7M |
| Free Cash FlowOCF − Capex | $15.4M | $-648.0M |
| FCF MarginFCF / Revenue | 2.8% | -208.9% |
| Capex IntensityCapex / Revenue | 0.4% | 3.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-734.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-638.7M | ||
| Q3 25 | $17.5M | $43.4M | ||
| Q2 25 | $2.7M | $67.6M | ||
| Q1 25 | — | $-179.9M | ||
| Q4 24 | — | $47.7M | ||
| Q3 24 | — | $-349.2M | ||
| Q2 24 | — | $-278.3M | ||
| Q1 24 | — | $-278.5M |
| Q4 25 | — | $-648.0M | ||
| Q3 25 | $15.4M | $38.7M | ||
| Q2 25 | $-888.0K | $61.4M | ||
| Q1 25 | — | $-186.7M | ||
| Q4 24 | — | $40.8M | ||
| Q3 24 | — | $-356.4M | ||
| Q2 24 | — | $-285.7M | ||
| Q1 24 | — | $-283.3M |
| Q4 25 | — | -208.9% | ||
| Q3 25 | 2.8% | 12.0% | ||
| Q2 25 | -0.2% | 21.7% | ||
| Q1 25 | — | -68.2% | ||
| Q4 24 | — | 15.8% | ||
| Q3 24 | — | -113.3% | ||
| Q2 24 | — | -107.7% | ||
| Q1 24 | — | -127.2% |
| Q4 25 | — | 3.0% | ||
| Q3 25 | 0.4% | 1.5% | ||
| Q2 25 | 0.7% | 2.2% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 2.3% | ||
| Q2 24 | — | 2.8% | ||
| Q1 24 | — | 2.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | -255.05× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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% |
LDI
Segment breakdown not available.
