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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and EPLUS INC (PLUS). Click either name above to swap in a different company.
EPLUS INC is the larger business by last-quarter revenue ($614.8M vs $543.5M, roughly 1.1× Chime Financial, Inc.). EPLUS INC runs the higher net margin — 5.7% vs -10.1%, a 15.8% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 20.3%).
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.
ePlus Inc.(Nasdaq: PLUS) is an American consultative technology solutions provider that provides solutions and advisory and managed services across the technology spectrum, including security, cloud, networking, collaboration, artificial intelligence, and emerging solutions to more than 5,000 customers.
CHYM vs PLUS — Head-to-Head
Income Statement — Q3 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $614.8M |
| Net Profit | $-54.7M | $35.1M |
| Gross Margin | 87.2% | 25.8% |
| Operating Margin | -11.9% | 7.1% |
| Net Margin | -10.1% | 5.7% |
| Revenue YoY | 28.8% | 20.3% |
| Net Profit YoY | -148.4% | 45.2% |
| EPS (diluted) | $-0.15 | $1.33 |
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 | — | $614.8M | ||
| Q3 25 | $543.5M | $608.8M | ||
| Q2 25 | $528.1M | $637.3M | ||
| Q4 24 | — | $493.2M | ||
| Q3 24 | $421.9M | $493.4M | ||
| Q2 24 | $384.2M | $535.7M | ||
| Q4 23 | — | $509.1M | ||
| Q3 23 | — | $587.6M |
| Q4 25 | — | $35.1M | ||
| Q3 25 | $-54.7M | $34.9M | ||
| Q2 25 | $-923.4M | $37.7M | ||
| Q4 24 | — | $24.1M | ||
| Q3 24 | $-22.0M | $31.3M | ||
| Q2 24 | $385.0K | $27.3M | ||
| Q4 23 | — | $27.3M | ||
| Q3 23 | — | $32.7M |
| Q4 25 | — | 25.8% | ||
| Q3 25 | 87.2% | 26.6% | ||
| Q2 25 | 87.3% | 23.3% | ||
| Q4 24 | — | 25.4% | ||
| Q3 24 | 87.3% | 25.8% | ||
| Q2 24 | 86.9% | 23.7% | ||
| Q4 23 | — | 26.3% | ||
| Q3 23 | — | 24.6% |
| Q4 25 | — | 7.1% | ||
| Q3 25 | -11.9% | 8.0% | ||
| Q2 25 | -176.2% | 5.7% | ||
| Q4 24 | — | 3.3% | ||
| Q3 24 | -7.3% | 5.5% | ||
| Q2 24 | -2.5% | 5.9% | ||
| Q4 23 | — | 7.5% | ||
| Q3 23 | — | 7.6% |
| Q4 25 | — | 5.7% | ||
| Q3 25 | -10.1% | 5.7% | ||
| Q2 25 | -174.8% | 5.9% | ||
| Q4 24 | — | 4.9% | ||
| Q3 24 | -5.2% | 6.3% | ||
| Q2 24 | 0.1% | 5.1% | ||
| Q4 23 | — | 5.4% | ||
| Q3 23 | — | 5.6% |
| Q4 25 | — | $1.33 | ||
| Q3 25 | $-0.15 | $1.32 | ||
| Q2 25 | $-7.29 | $1.43 | ||
| Q4 24 | — | $0.91 | ||
| Q3 24 | $-0.34 | $1.17 | ||
| Q2 24 | $0.00 | $1.02 | ||
| Q4 23 | — | $1.02 | ||
| Q3 23 | — | $1.22 |
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 | $326.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.1B |
| Total Assets | $2.0B | $1.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $326.3M | ||
| Q3 25 | $445.0M | $402.2M | ||
| Q2 25 | $868.3M | $480.2M | ||
| Q4 24 | — | $253.1M | ||
| Q3 24 | $270.8M | $187.5M | ||
| Q2 24 | $295.4M | $349.9M | ||
| Q4 23 | — | $142.2M | ||
| Q3 23 | — | $82.5M |
| Q4 25 | — | $1.1B | ||
| Q3 25 | $1.4B | $1.0B | ||
| Q2 25 | $1.4B | $1.0B | ||
| Q4 24 | — | $962.3M | ||
| Q3 24 | $-1.9B | $947.0M | ||
| Q2 24 | $-1.9B | $921.9M | ||
| Q4 23 | — | $877.8M | ||
| Q3 23 | — | $845.7M |
| Q4 25 | — | $1.8B | ||
| Q3 25 | $2.0B | $1.8B | ||
| Q2 25 | $1.9B | $1.8B | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | — | $1.7B | ||
| Q2 24 | — | $1.7B | ||
| Q4 23 | — | $1.6B | ||
| Q3 23 | — | $1.6B |
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 | $-87.4M |
| Free Cash FlowOCF − Capex | $15.4M | — |
| FCF MarginFCF / Revenue | 2.8% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | — | -2.49× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-87.4M | ||
| Q3 25 | $17.5M | $-34.8M | ||
| Q2 25 | $2.7M | $-99.0M | ||
| Q4 24 | — | $65.7M | ||
| Q3 24 | — | $-21.6M | ||
| Q2 24 | — | $97.1M | ||
| Q4 23 | — | $133.2M | ||
| Q3 23 | — | $31.2M |
| Q4 25 | — | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — |
| Q4 25 | — | — | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — |
| Q4 25 | — | -2.49× | ||
| Q3 25 | — | -1.00× | ||
| Q2 25 | — | -2.63× | ||
| Q4 24 | — | 2.72× | ||
| Q3 24 | — | -0.69× | ||
| Q2 24 | — | 3.55× | ||
| Q4 23 | — | 4.88× | ||
| Q3 23 | — | 0.96× |
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% |
PLUS
| All Others Customer End Market | $107.0M | 17% |
| Technology Customer End Market | $89.4M | 15% |
| Health Care Customer End Market | $81.5M | 13% |
| Financial Services Customer End Market | $66.1M | 11% |
| Professional Services Reporting Unit | $64.1M | 10% |
| Security | $61.1M | 10% |
| State And Local Government And Educational Institutions | $59.9M | 10% |
| Managed Services Reporting Unit | $48.8M | 8% |
| Other Product | $21.1M | 3% |
| Collaboration | $13.4M | 2% |
