vs
Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and RBC Bearings INC (RBC). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $461.6M, roughly 1.2× RBC Bearings INC). RBC Bearings INC runs the higher net margin — 14.6% vs -10.1%, a 24.7% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 17.0%). RBC Bearings INC produced more free cash flow last quarter ($99.1M 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.
Dover Corporation is an American conglomerate manufacturer of industrial products. The Downers Grove, Illinois-based company was founded in 1955. As of 2021, Dover's business was divided into five segments: Engineered Products, Clean Energy and Fueling, Imaging & Identification, Pumps & Process Solutions and Climate and Sustainability Technologies. Dover is a constituent of the S&P 500 index and trades on the New York Stock Exchange under the symbol DOV. Dover was ranked 448 in the 2024 Fortu...
CHYM vs RBC — Head-to-Head
Income Statement — Q3 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $461.6M |
| Net Profit | $-54.7M | $67.4M |
| Gross Margin | 87.2% | 44.3% |
| Operating Margin | -11.9% | 22.3% |
| Net Margin | -10.1% | 14.6% |
| Revenue YoY | 28.8% | 17.0% |
| Net Profit YoY | -148.4% | 16.4% |
| EPS (diluted) | $-0.15 | $2.13 |
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 | — | $461.6M | ||
| Q3 25 | $543.5M | $455.3M | ||
| Q2 25 | $528.1M | $436.0M | ||
| Q1 25 | — | $437.7M | ||
| Q4 24 | — | $394.4M | ||
| Q3 24 | $421.9M | $397.9M | ||
| Q2 24 | $384.2M | $406.3M | ||
| Q1 24 | — | $413.7M |
| Q4 25 | — | $67.4M | ||
| Q3 25 | $-54.7M | $60.0M | ||
| Q2 25 | $-923.4M | $68.5M | ||
| Q1 25 | — | $72.7M | ||
| Q4 24 | — | $57.9M | ||
| Q3 24 | $-22.0M | $54.2M | ||
| Q2 24 | $385.0K | $61.4M | ||
| Q1 24 | — | — |
| Q4 25 | — | 44.3% | ||
| Q3 25 | 87.2% | 44.1% | ||
| Q2 25 | 87.3% | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | 87.3% | 43.7% | ||
| Q2 24 | 86.9% | 45.3% | ||
| Q1 24 | — | 43.1% |
| Q4 25 | — | 22.3% | ||
| Q3 25 | -11.9% | 21.5% | ||
| Q2 25 | -176.2% | 23.2% | ||
| Q1 25 | — | 23.0% | ||
| Q4 24 | — | 21.7% | ||
| Q3 24 | -7.3% | 21.6% | ||
| Q2 24 | -2.5% | 24.0% | ||
| Q1 24 | — | 22.8% |
| Q4 25 | — | 14.6% | ||
| Q3 25 | -10.1% | 13.2% | ||
| Q2 25 | -174.8% | 15.7% | ||
| Q1 25 | — | 16.6% | ||
| Q4 24 | — | 14.7% | ||
| Q3 24 | -5.2% | 13.6% | ||
| Q2 24 | 0.1% | 15.1% | ||
| Q1 24 | — | — |
| Q4 25 | — | $2.13 | ||
| Q3 25 | $-0.15 | $1.90 | ||
| Q2 25 | $-7.29 | $2.17 | ||
| Q1 25 | — | $2.33 | ||
| Q4 24 | — | $1.82 | ||
| Q3 24 | $-0.34 | $1.65 | ||
| Q2 24 | $0.00 | $1.90 | ||
| Q1 24 | — | $1.92 |
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 | $107.6M |
| Total DebtLower is stronger | — | $990.2M |
| Stockholders' EquityBook value | $1.4B | $3.3B |
| Total Assets | $2.0B | $5.1B |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $107.6M | ||
| Q3 25 | $445.0M | $91.2M | ||
| Q2 25 | $868.3M | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | $76.8M | ||
| Q1 24 | — | $63.5M |
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
| Q4 25 | — | $3.3B | ||
| Q3 25 | $1.4B | $3.2B | ||
| Q2 25 | $1.4B | $3.1B | ||
| Q1 25 | — | $3.0B | ||
| Q4 24 | — | $2.9B | ||
| Q3 24 | $-1.9B | $2.9B | ||
| Q2 24 | $-1.9B | $2.8B | ||
| Q1 24 | — | $2.8B |
| Q4 25 | — | $5.1B | ||
| Q3 25 | $2.0B | $5.1B | ||
| Q2 25 | $1.9B | $4.8B | ||
| Q1 25 | — | $4.7B | ||
| Q4 24 | — | $4.7B | ||
| Q3 24 | — | $4.7B | ||
| Q2 24 | — | $4.7B | ||
| Q1 24 | — | $4.7B |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| Free Cash FlowOCF − Capex | $15.4M | $99.1M |
| FCF MarginFCF / Revenue | 2.8% | 21.5% |
| Capex IntensityCapex / Revenue | 0.4% | 5.0% |
| Cash ConversionOCF / Net Profit | — | 1.81× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $122.1M | ||
| Q3 25 | $17.5M | $88.4M | ||
| Q2 25 | $2.7M | $120.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $84.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $97.4M | ||
| Q1 24 | — | — |
| Q4 25 | — | $99.1M | ||
| Q3 25 | $15.4M | $71.7M | ||
| Q2 25 | $-888.0K | $104.3M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $73.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $88.4M | ||
| Q1 24 | — | — |
| Q4 25 | — | 21.5% | ||
| Q3 25 | 2.8% | 15.7% | ||
| Q2 25 | -0.2% | 23.9% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 18.7% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 21.8% | ||
| Q1 24 | — | — |
| Q4 25 | — | 5.0% | ||
| Q3 25 | 0.4% | 3.7% | ||
| Q2 25 | 0.7% | 3.6% | ||
| Q1 25 | — | 3.2% | ||
| Q4 24 | — | 2.6% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | — | 2.2% | ||
| Q1 24 | — | — |
| Q4 25 | — | 1.81× | ||
| Q3 25 | — | 1.47× | ||
| Q2 25 | — | 1.75× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.45× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 1.59× | ||
| 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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
