vs
Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and SOLAI Ltd (SLAI). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $11.0M, roughly 49.4× SOLAI Ltd). Chime Financial, Inc. runs the higher net margin — -10.1% vs -126.2%, a 116.1% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs -43.1%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $-17.0M).
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.
CHYM vs SLAI — Head-to-Head
Income Statement — Q3 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $11.0M |
| Net Profit | $-54.7M | $-13.9M |
| Gross Margin | 87.2% | 0.1% |
| Operating Margin | -11.9% | -126.2% |
| Net Margin | -10.1% | -126.2% |
| Revenue YoY | 28.8% | -43.1% |
| Net Profit YoY | -148.4% | -173.4% |
| EPS (diluted) | $-0.15 | $-0.01 |
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.
| Q3 25 | $543.5M | — | ||
| Q2 25 | $528.1M | $11.0M | ||
| Q3 24 | $421.9M | — | ||
| Q2 24 | $384.2M | $19.4M |
| Q3 25 | $-54.7M | — | ||
| Q2 25 | $-923.4M | $-13.9M | ||
| Q3 24 | $-22.0M | — | ||
| Q2 24 | $385.0K | $18.9M |
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | 0.1% | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | 52.4% |
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | -126.2% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | -2.6% |
| Q3 25 | -10.1% | — | ||
| Q2 25 | -174.8% | -126.2% | ||
| Q3 24 | -5.2% | — | ||
| Q2 24 | 0.1% | 97.9% |
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | $-0.01 | ||
| Q3 24 | $-0.34 | — | ||
| Q2 24 | $0.00 | $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 | $1.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $43.8M |
| Total Assets | $2.0B | $69.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | $1.2M | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | $2.3M |
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $43.8M | ||
| Q3 24 | $-1.9B | — | ||
| Q2 24 | $-1.9B | $45.9M |
| Q3 25 | $2.0B | — | ||
| Q2 25 | $1.9B | $69.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $63.3M |
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 | $-17.0M |
| Free Cash FlowOCF − Capex | $15.4M | $-17.0M |
| FCF MarginFCF / Revenue | 2.8% | -154.2% |
| Capex IntensityCapex / Revenue | 0.4% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | $-17.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-12.1M |
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | $-17.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | -154.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | 0.0% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -0.64× |
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% |
SLAI
| Data center | $6.5M | 59% |
| Cryptocurrency mining | $4.6M | 41% |
