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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Construction Partners, Inc. (ROAD). Click either name above to swap in a different company.
Construction Partners, Inc. is the larger business by last-quarter revenue ($809.5M vs $543.5M, roughly 1.5× Chime Financial, Inc.). Construction Partners, Inc. runs the higher net margin — 2.1% vs -10.1%, a 12.2% gap on every dollar of revenue. On growth, Construction Partners, Inc. posted the faster year-over-year revenue change (44.1% vs 28.8%). Construction Partners, Inc. produced more free cash flow last quarter ($47.1M 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.
Alexander Construction Company was a Palm Springs, California, residential development company that built over 2,200 houses in the Coachella Valley of Riverside County, California, between 1955 and 1965.
CHYM vs ROAD — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $809.5M |
| Net Profit | $-54.7M | $17.2M |
| Gross Margin | 87.2% | 15.0% |
| Operating Margin | -11.9% | 6.2% |
| Net Margin | -10.1% | 2.1% |
| Revenue YoY | 28.8% | 44.1% |
| Net Profit YoY | -148.4% | 663.9% |
| EPS (diluted) | $-0.15 | $0.31 |
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 | — | $809.5M | ||
| Q3 25 | $543.5M | $899.8M | ||
| Q2 25 | $528.1M | $779.3M | ||
| Q1 25 | — | $571.6M | ||
| Q4 24 | — | $561.6M | ||
| Q3 24 | $421.9M | $538.2M | ||
| Q2 24 | $384.2M | $517.8M | ||
| Q1 24 | — | $371.4M |
| Q4 25 | — | $17.2M | ||
| Q3 25 | $-54.7M | $56.6M | ||
| Q2 25 | $-923.4M | $44.0M | ||
| Q1 25 | — | $4.2M | ||
| Q4 24 | — | $-3.1M | ||
| Q3 24 | $-22.0M | $29.3M | ||
| Q2 24 | $385.0K | $30.9M | ||
| Q1 24 | — | $-1.1M |
| Q4 25 | — | 15.0% | ||
| Q3 25 | 87.2% | 17.7% | ||
| Q2 25 | 87.3% | 16.9% | ||
| Q1 25 | — | 12.5% | ||
| Q4 24 | — | 13.6% | ||
| Q3 24 | 87.3% | 15.6% | ||
| Q2 24 | 86.9% | 16.1% | ||
| Q1 24 | — | 10.4% |
| Q4 25 | — | 6.2% | ||
| Q3 25 | -11.9% | 11.2% | ||
| Q2 25 | -176.2% | 10.6% | ||
| Q1 25 | — | 4.8% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | -7.3% | 8.5% | ||
| Q2 24 | -2.5% | 8.8% | ||
| Q1 24 | — | 0.8% |
| Q4 25 | — | 2.1% | ||
| Q3 25 | -10.1% | 6.3% | ||
| Q2 25 | -174.8% | 5.7% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | -0.5% | ||
| Q3 24 | -5.2% | 5.4% | ||
| Q2 24 | 0.1% | 6.0% | ||
| Q1 24 | — | -0.3% |
| Q4 25 | — | $0.31 | ||
| Q3 25 | $-0.15 | $1.03 | ||
| Q2 25 | $-7.29 | $0.79 | ||
| Q1 25 | — | $0.08 | ||
| Q4 24 | — | $-0.06 | ||
| Q3 24 | $-0.34 | $0.55 | ||
| Q2 24 | $0.00 | $0.59 | ||
| Q1 24 | — | $-0.02 |
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 | $104.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $969.1M |
| Total Assets | $2.0B | $3.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $104.1M | ||
| Q3 25 | $445.0M | $156.1M | ||
| Q2 25 | $868.3M | $114.3M | ||
| Q1 25 | — | $101.9M | ||
| Q4 24 | — | $132.5M | ||
| Q3 24 | $270.8M | $74.7M | ||
| Q2 24 | $295.4M | $56.3M | ||
| Q1 24 | — | $48.0M |
| Q4 25 | — | — | ||
| Q3 25 | — | $1.6B | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $515.0M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | — | $969.1M | ||
| Q3 25 | $1.4B | $912.0M | ||
| Q2 25 | $1.4B | $853.3M | ||
| Q1 25 | — | $807.9M | ||
| Q4 24 | — | $811.1M | ||
| Q3 24 | $-1.9B | $573.7M | ||
| Q2 24 | $-1.9B | $552.9M | ||
| Q1 24 | — | $525.0M |
| Q4 25 | — | $3.4B | ||
| Q3 25 | $2.0B | $3.2B | ||
| Q2 25 | $1.9B | $2.9B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $2.6B | ||
| Q3 24 | — | $1.5B | ||
| Q2 24 | — | $1.4B | ||
| Q1 24 | — | $1.3B |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.78× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.90× | ||
| Q2 24 | — | — | ||
| 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 | $82.6M |
| Free Cash FlowOCF − Capex | $15.4M | $47.1M |
| FCF MarginFCF / Revenue | 2.8% | 5.8% |
| Capex IntensityCapex / Revenue | 0.4% | 4.4% |
| Cash ConversionOCF / Net Profit | — | 4.80× |
| TTM Free Cash FlowTrailing 4 quarters | — | $186.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $82.6M | ||
| Q3 25 | $17.5M | $112.0M | ||
| Q2 25 | $2.7M | $83.0M | ||
| Q1 25 | — | $55.6M | ||
| Q4 24 | — | $40.7M | ||
| Q3 24 | — | $95.9M | ||
| Q2 24 | — | $34.6M | ||
| Q1 24 | — | $18.2M |
| Q4 25 | — | $47.1M | ||
| Q3 25 | $15.4M | $78.9M | ||
| Q2 25 | $-888.0K | $46.4M | ||
| Q1 25 | — | $14.2M | ||
| Q4 24 | — | $13.8M | ||
| Q3 24 | — | $78.4M | ||
| Q2 24 | — | $19.7M | ||
| Q1 24 | — | $-10.6M |
| Q4 25 | — | 5.8% | ||
| Q3 25 | 2.8% | 8.8% | ||
| Q2 25 | -0.2% | 5.9% | ||
| Q1 25 | — | 2.5% | ||
| Q4 24 | — | 2.5% | ||
| Q3 24 | — | 14.6% | ||
| Q2 24 | — | 3.8% | ||
| Q1 24 | — | -2.8% |
| Q4 25 | — | 4.4% | ||
| Q3 25 | 0.4% | 3.7% | ||
| Q2 25 | 0.7% | 4.7% | ||
| Q1 25 | — | 7.2% | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 3.3% | ||
| Q2 24 | — | 2.9% | ||
| Q1 24 | — | 7.7% |
| Q4 25 | — | 4.80× | ||
| Q3 25 | — | 1.98× | ||
| Q2 25 | — | 1.88× | ||
| Q1 25 | — | 13.20× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 3.27× | ||
| Q2 24 | — | 1.12× | ||
| 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% |
ROAD
Segment breakdown not available.
