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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and MODINE MANUFACTURING CO (MOD). Click either name above to swap in a different company.
MODINE MANUFACTURING CO is the larger business by last-quarter revenue ($805.0M vs $543.5M, roughly 1.5× Chime Financial, Inc.). MODINE MANUFACTURING CO runs the higher net margin — -5.9% vs -10.1%, a 4.2% gap on every dollar of revenue. On growth, MODINE MANUFACTURING CO posted the faster year-over-year revenue change (30.5% vs 28.8%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $-17.1M).
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.
Modine Manufacturing is a thermal management company established in 1916 in the United States. The company started as Modine Manufacturing Company by Arthur B Modine who patented the Spirex radiator for tractors. The Modine company manufactured the Turbotube radiator for Ford Model T cars. The company built the world's first vehicular wind tunnel in Racine, Wisconsin in 1941. During WWII, Modine manufactured aftercoolers for the P-51 Mustang fighter plane. After WWII, Modine introduced the Ai...
CHYM vs MOD — Head-to-Head
Income Statement — Q3 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $805.0M |
| Net Profit | $-54.7M | $-47.4M |
| Gross Margin | 87.2% | 23.1% |
| Operating Margin | -11.9% | 11.1% |
| Net Margin | -10.1% | -5.9% |
| Revenue YoY | 28.8% | 30.5% |
| Net Profit YoY | -148.4% | -215.6% |
| EPS (diluted) | $-0.15 | $-0.90 |
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 | — | $805.0M | ||
| Q3 25 | $543.5M | $738.9M | ||
| Q2 25 | $528.1M | $682.8M | ||
| Q1 25 | — | $647.2M | ||
| Q4 24 | — | $616.8M | ||
| Q3 24 | $421.9M | $658.0M | ||
| Q2 24 | $384.2M | $661.5M | ||
| Q1 24 | — | $603.5M |
| Q4 25 | — | $-47.4M | ||
| Q3 25 | $-54.7M | $44.4M | ||
| Q2 25 | $-923.4M | $51.2M | ||
| Q1 25 | — | $49.6M | ||
| Q4 24 | — | $41.0M | ||
| Q3 24 | $-22.0M | $46.1M | ||
| Q2 24 | $385.0K | $47.3M | ||
| Q1 24 | — | $25.8M |
| Q4 25 | — | 23.1% | ||
| Q3 25 | 87.2% | 22.3% | ||
| Q2 25 | 87.3% | 24.2% | ||
| Q1 25 | — | 25.6% | ||
| Q4 24 | — | 24.3% | ||
| Q3 24 | 87.3% | 25.2% | ||
| Q2 24 | 86.9% | 24.6% | ||
| Q1 24 | — | 22.4% |
| Q4 25 | — | 11.1% | ||
| Q3 25 | -11.9% | 9.9% | ||
| Q2 25 | -176.2% | 11.1% | ||
| Q1 25 | — | 11.5% | ||
| Q4 24 | — | 9.6% | ||
| Q3 24 | -7.3% | 11.4% | ||
| Q2 24 | -2.5% | 11.2% | ||
| Q1 24 | — | 7.8% |
| Q4 25 | — | -5.9% | ||
| Q3 25 | -10.1% | 6.0% | ||
| Q2 25 | -174.8% | 7.5% | ||
| Q1 25 | — | 7.7% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | -5.2% | 7.0% | ||
| Q2 24 | 0.1% | 7.2% | ||
| Q1 24 | — | 4.3% |
| Q4 25 | — | $-0.90 | ||
| Q3 25 | $-0.15 | $0.83 | ||
| Q2 25 | $-7.29 | $0.95 | ||
| Q1 25 | — | $0.92 | ||
| Q4 24 | — | $0.76 | ||
| Q3 24 | $-0.34 | $0.86 | ||
| Q2 24 | $0.00 | $0.88 | ||
| Q1 24 | — | $0.48 |
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 | $98.7M |
| Total DebtLower is stronger | — | $570.7M |
| Stockholders' EquityBook value | $1.4B | $1.1B |
| Total Assets | $2.0B | $2.5B |
| Debt / EquityLower = less leverage | — | 0.51× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $98.7M | ||
| Q3 25 | $445.0M | $83.8M | ||
| Q2 25 | $868.3M | $124.5M | ||
| Q1 25 | — | $71.6M | ||
| Q4 24 | — | $83.8M | ||
| Q3 24 | $270.8M | $78.6M | ||
| Q2 24 | $295.4M | $72.9M | ||
| Q1 24 | — | $60.1M |
| Q4 25 | — | $570.7M | ||
| Q3 25 | — | $525.8M | ||
| Q2 25 | — | $482.1M | ||
| Q1 25 | — | $296.7M | ||
| Q4 24 | — | $330.0M | ||
| Q3 24 | — | $359.1M | ||
| Q2 24 | — | $405.7M | ||
| Q1 24 | — | $399.9M |
| Q4 25 | — | $1.1B | ||
| Q3 25 | $1.4B | $1.1B | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q1 25 | — | $910.2M | ||
| Q4 24 | — | $855.1M | ||
| Q3 24 | $-1.9B | $858.8M | ||
| Q2 24 | $-1.9B | $788.4M | ||
| Q1 24 | — | $747.6M |
| Q4 25 | — | $2.5B | ||
| Q3 25 | $2.0B | $2.4B | ||
| Q2 25 | $1.9B | $2.2B | ||
| Q1 25 | — | $1.9B | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $1.9B | ||
| Q2 24 | — | $1.9B | ||
| Q1 24 | — | $1.9B |
| Q4 25 | — | 0.51× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.48× | ||
| Q1 25 | — | 0.33× | ||
| Q4 24 | — | 0.39× | ||
| Q3 24 | — | 0.42× | ||
| Q2 24 | — | 0.51× | ||
| Q1 24 | — | 0.53× |
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 | $24.7M |
| Free Cash FlowOCF − Capex | $15.4M | $-17.1M |
| FCF MarginFCF / Revenue | 2.8% | -2.1% |
| Capex IntensityCapex / Revenue | 0.4% | 5.2% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-20.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $24.7M | ||
| Q3 25 | $17.5M | $1.4M | ||
| Q2 25 | $2.7M | $27.7M | ||
| Q1 25 | — | $54.8M | ||
| Q4 24 | — | $60.7M | ||
| Q3 24 | — | $57.3M | ||
| Q2 24 | — | $40.5M | ||
| Q1 24 | — | $39.6M |
| Q4 25 | — | $-17.1M | ||
| Q3 25 | $15.4M | $-30.5M | ||
| Q2 25 | $-888.0K | $200.0K | ||
| Q1 25 | — | $27.1M | ||
| Q4 24 | — | $44.7M | ||
| Q3 24 | — | $43.8M | ||
| Q2 24 | — | $13.7M | ||
| Q1 24 | — | $-4.3M |
| Q4 25 | — | -2.1% | ||
| Q3 25 | 2.8% | -4.1% | ||
| Q2 25 | -0.2% | 0.0% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | — | 7.2% | ||
| Q3 24 | — | 6.7% | ||
| Q2 24 | — | 2.1% | ||
| Q1 24 | — | -0.7% |
| Q4 25 | — | 5.2% | ||
| Q3 25 | 0.4% | 4.3% | ||
| Q2 25 | 0.7% | 4.0% | ||
| Q1 25 | — | 4.3% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 2.1% | ||
| Q2 24 | — | 4.1% | ||
| Q1 24 | — | 7.3% |
| Q4 25 | — | — | ||
| Q3 25 | — | 0.03× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | — | 1.10× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | — | 1.24× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | 1.53× |
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% |
MOD
| Data Centers | $296.9M | 37% |
| Performance Technologies | $266.0M | 33% |
| Hvac Technologies | $107.1M | 13% |
| Air Cooled | $92.4M | 11% |
| Lb White | $25.6M | 3% |
| Climate By Design | $10.2M | 1% |
| Absolutaire | $7.0M | 1% |
