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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Paylocity Holding Corp (PCTY). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $387.0M, roughly 1.4× Paylocity Holding Corp). Paylocity Holding Corp runs the higher net margin — 13.0% vs -10.1%, a 23.0% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 11.3%). Paylocity Holding Corp produced more free cash flow last quarter ($113.6M 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.
Paylocity Holding Corporation is an American provider of cloud-based payroll, , spend management, and human capital management (HCM) software.
CHYM vs PCTY — Head-to-Head
Income Statement — Q3 FY2025 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $387.0M |
| Net Profit | $-54.7M | $50.2M |
| Gross Margin | 87.2% | 72.9% |
| Operating Margin | -11.9% | 18.2% |
| Net Margin | -10.1% | 13.0% |
| Revenue YoY | 28.8% | 11.3% |
| Net Profit YoY | -148.4% | 34.0% |
| EPS (diluted) | $-0.15 | $0.92 |
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 | — | $387.0M | ||
| Q3 25 | $543.5M | $378.9M | ||
| Q2 25 | $528.1M | $369.9M | ||
| Q1 25 | — | $421.1M | ||
| Q4 24 | — | $347.7M | ||
| Q3 24 | $421.9M | $333.1M | ||
| Q2 24 | $384.2M | $324.7M | ||
| Q1 24 | — | $366.8M |
| Q4 25 | — | $50.2M | ||
| Q3 25 | $-54.7M | $48.0M | ||
| Q2 25 | $-923.4M | $48.6M | ||
| Q1 25 | — | $91.5M | ||
| Q4 24 | — | $37.5M | ||
| Q3 24 | $-22.0M | $49.6M | ||
| Q2 24 | $385.0K | $48.8M | ||
| Q1 24 | — | $85.3M |
| Q4 25 | — | 72.9% | ||
| Q3 25 | 87.2% | 73.9% | ||
| Q2 25 | 87.3% | 73.5% | ||
| Q1 25 | — | 77.1% | ||
| Q4 24 | — | 72.6% | ||
| Q3 24 | 87.3% | 74.4% | ||
| Q2 24 | 86.9% | 74.0% | ||
| Q1 24 | — | 77.8% |
| Q4 25 | — | 18.2% | ||
| Q3 25 | -11.9% | 19.6% | ||
| Q2 25 | -176.2% | 17.9% | ||
| Q1 25 | — | 30.2% | ||
| Q4 24 | — | 13.4% | ||
| Q3 24 | -7.3% | 19.3% | ||
| Q2 24 | -2.5% | 19.4% | ||
| Q1 24 | — | 29.0% |
| Q4 25 | — | 13.0% | ||
| Q3 25 | -10.1% | 12.7% | ||
| Q2 25 | -174.8% | 13.1% | ||
| Q1 25 | — | 21.7% | ||
| Q4 24 | — | 10.8% | ||
| Q3 24 | -5.2% | 14.9% | ||
| Q2 24 | 0.1% | 15.0% | ||
| Q1 24 | — | 23.3% |
| Q4 25 | — | $0.92 | ||
| Q3 25 | $-0.15 | $0.86 | ||
| Q2 25 | $-7.29 | $0.87 | ||
| Q1 25 | — | $1.61 | ||
| Q4 24 | — | $0.66 | ||
| Q3 24 | $-0.34 | $0.88 | ||
| Q2 24 | $0.00 | $0.85 | ||
| Q1 24 | — | $1.50 |
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 | $162.5M |
| Total DebtLower is stronger | — | $81.3M |
| Stockholders' EquityBook value | $1.4B | $1.1B |
| Total Assets | $2.0B | $7.0B |
| Debt / EquityLower = less leverage | — | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $162.5M | ||
| Q3 25 | $445.0M | $165.2M | ||
| Q2 25 | $868.3M | $398.1M | ||
| Q1 25 | — | $477.8M | ||
| Q4 24 | — | $482.4M | ||
| Q3 24 | $270.8M | $778.5M | ||
| Q2 24 | $295.4M | $401.8M | ||
| Q1 24 | — | $492.7M |
| Q4 25 | — | $81.3M | ||
| Q3 25 | — | $81.3M | ||
| Q2 25 | — | $162.5M | ||
| Q1 25 | — | $243.8M | ||
| Q4 24 | — | $325.0M | ||
| Q3 24 | — | $325.0M | ||
| Q2 24 | — | $0 | ||
| Q1 24 | — | — |
| Q4 25 | — | $1.1B | ||
| Q3 25 | $1.4B | $1.1B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | — | $1.2B | ||
| Q4 24 | — | $1.2B | ||
| Q3 24 | $-1.9B | $1.1B | ||
| Q2 24 | $-1.9B | $1.0B | ||
| Q1 24 | — | $1.1B |
| Q4 25 | — | $7.0B | ||
| Q3 25 | $2.0B | $4.2B | ||
| Q2 25 | $1.9B | $4.4B | ||
| Q1 25 | — | $5.2B | ||
| Q4 24 | — | $5.3B | ||
| Q3 24 | — | $4.0B | ||
| Q2 24 | — | $4.2B | ||
| Q1 24 | — | $5.0B |
| Q4 25 | — | 0.07× | ||
| Q3 25 | — | 0.07× | ||
| Q2 25 | — | 0.13× | ||
| Q1 25 | — | 0.20× | ||
| Q4 24 | — | 0.28× | ||
| Q3 24 | — | 0.29× | ||
| Q2 24 | — | 0.00× | ||
| Q1 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 | $117.0M |
| Free Cash FlowOCF − Capex | $15.4M | $113.6M |
| FCF MarginFCF / Revenue | 2.8% | 29.4% |
| Capex IntensityCapex / Revenue | 0.4% | 0.9% |
| Cash ConversionOCF / Net Profit | — | 2.33× |
| TTM Free Cash FlowTrailing 4 quarters | — | $461.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $117.0M | ||
| Q3 25 | $17.5M | $86.5M | ||
| Q2 25 | $2.7M | $86.6M | ||
| Q1 25 | — | $186.0M | ||
| Q4 24 | — | $54.2M | ||
| Q3 24 | — | $91.5M | ||
| Q2 24 | — | $79.9M | ||
| Q1 24 | — | $167.5M |
| Q4 25 | — | $113.6M | ||
| Q3 25 | $15.4M | $82.7M | ||
| Q2 25 | $-888.0K | $81.1M | ||
| Q1 25 | — | $183.7M | ||
| Q4 24 | — | $51.2M | ||
| Q3 24 | — | $89.1M | ||
| Q2 24 | — | $73.6M | ||
| Q1 24 | — | $162.0M |
| Q4 25 | — | 29.4% | ||
| Q3 25 | 2.8% | 21.8% | ||
| Q2 25 | -0.2% | 21.9% | ||
| Q1 25 | — | 43.6% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | — | 26.8% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 44.2% |
| Q4 25 | — | 0.9% | ||
| Q3 25 | 0.4% | 1.0% | ||
| Q2 25 | 0.7% | 1.5% | ||
| Q1 25 | — | 0.5% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 1.9% | ||
| Q1 24 | — | 1.5% |
| Q4 25 | — | 2.33× | ||
| Q3 25 | — | 1.80× | ||
| Q2 25 | — | 1.78× | ||
| Q1 25 | — | 2.03× | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | — | 1.84× | ||
| Q2 24 | — | 1.64× | ||
| Q1 24 | — | 1.96× |
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% |
PCTY
| Recurring Fees | $370.1M | 96% |
| Implementation Services And Other | $16.9M | 4% |
