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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Simpson Manufacturing Co., Inc. (SSD). Click either name above to swap in a different company.
Simpson Manufacturing Co., Inc. is the larger business by last-quarter revenue ($588.0M vs $543.5M, roughly 1.1× Chime Financial, Inc.). Simpson Manufacturing Co., Inc. runs the higher net margin — 15.0% vs -10.1%, a 25.1% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 9.1%).
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.
Simpson Manufacturing Company is a leading building materials manufacturer in the United States that produces structural connectors, fasteners, anchors, and products for new construction and retrofitting.
CHYM vs SSD — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $588.0M |
| Net Profit | $-54.7M | $88.2M |
| Gross Margin | 87.2% | 45.2% |
| Operating Margin | -11.9% | 19.5% |
| Net Margin | -10.1% | 15.0% |
| Revenue YoY | 28.8% | 9.1% |
| Net Profit YoY | -148.4% | 13.3% |
| 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.
| Q1 26 | — | $588.0M | ||
| Q4 25 | — | $539.3M | ||
| Q3 25 | $543.5M | $623.5M | ||
| Q2 25 | $528.1M | $631.1M | ||
| Q1 25 | — | $538.9M | ||
| Q4 24 | — | $517.4M | ||
| Q3 24 | $421.9M | $587.2M | ||
| Q2 24 | $384.2M | $597.0M |
| Q1 26 | — | $88.2M | ||
| Q4 25 | — | $56.2M | ||
| Q3 25 | $-54.7M | $107.4M | ||
| Q2 25 | $-923.4M | $103.5M | ||
| Q1 25 | — | $77.9M | ||
| Q4 24 | — | $55.4M | ||
| Q3 24 | $-22.0M | $93.5M | ||
| Q2 24 | $385.0K | $97.8M |
| Q1 26 | — | 45.2% | ||
| Q4 25 | — | 43.4% | ||
| Q3 25 | 87.2% | 46.4% | ||
| Q2 25 | 87.3% | 46.7% | ||
| Q1 25 | — | 46.8% | ||
| Q4 24 | — | 44.0% | ||
| Q3 24 | 87.3% | 46.8% | ||
| Q2 24 | 86.9% | 46.7% |
| Q1 26 | — | 19.5% | ||
| Q4 25 | — | 13.9% | ||
| Q3 25 | -11.9% | 22.6% | ||
| Q2 25 | -176.2% | 22.2% | ||
| Q1 25 | — | 19.0% | ||
| Q4 24 | — | 14.8% | ||
| Q3 24 | -7.3% | 21.3% | ||
| Q2 24 | -2.5% | 22.1% |
| Q1 26 | — | 15.0% | ||
| Q4 25 | — | 10.4% | ||
| Q3 25 | -10.1% | 17.2% | ||
| Q2 25 | -174.8% | 16.4% | ||
| Q1 25 | — | 14.5% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | -5.2% | 15.9% | ||
| Q2 24 | 0.1% | 16.4% |
| Q1 26 | — | $2.13 | ||
| Q4 25 | — | $1.34 | ||
| Q3 25 | $-0.15 | $2.58 | ||
| Q2 25 | $-7.29 | $2.47 | ||
| Q1 25 | — | $1.85 | ||
| Q4 24 | — | $1.31 | ||
| Q3 24 | $-0.34 | $2.21 | ||
| Q2 24 | $0.00 | $2.31 |
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 | $341.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $2.1B |
| Total Assets | $2.0B | $3.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $341.0M | ||
| Q4 25 | — | $384.1M | ||
| Q3 25 | $445.0M | $297.3M | ||
| Q2 25 | $868.3M | $190.4M | ||
| Q1 25 | — | $150.3M | ||
| Q4 24 | — | $239.4M | ||
| Q3 24 | $270.8M | $339.4M | ||
| Q2 24 | $295.4M | $354.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | $300.0M | ||
| Q3 25 | — | $371.3M | ||
| Q2 25 | — | $376.9M | ||
| Q1 25 | — | $382.5M | ||
| Q4 24 | — | $388.1M | ||
| Q3 24 | — | $393.8M | ||
| Q2 24 | — | $399.4M |
| Q1 26 | — | $2.1B | ||
| Q4 25 | — | $2.0B | ||
| Q3 25 | $1.4B | $2.0B | ||
| Q2 25 | $1.4B | $1.9B | ||
| Q1 25 | — | $1.9B | ||
| Q4 24 | — | $1.8B | ||
| Q3 24 | $-1.9B | $1.9B | ||
| Q2 24 | $-1.9B | $1.8B |
| Q1 26 | — | $3.0B | ||
| Q4 25 | — | $3.1B | ||
| Q3 25 | $2.0B | $3.0B | ||
| Q2 25 | $1.9B | $3.0B | ||
| Q1 25 | — | $2.8B | ||
| Q4 24 | — | $2.7B | ||
| Q3 24 | — | $2.9B | ||
| Q2 24 | — | $2.8B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.19× | ||
| Q2 25 | — | 0.20× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.23× |
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 | — |
| Free Cash FlowOCF − Capex | $15.4M | — |
| FCF MarginFCF / Revenue | 2.8% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $155.7M | ||
| Q3 25 | $17.5M | $170.2M | ||
| Q2 25 | $2.7M | $125.2M | ||
| Q1 25 | — | $7.6M | ||
| Q4 24 | — | $115.8M | ||
| Q3 24 | — | $103.3M | ||
| Q2 24 | — | $111.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $119.0M | ||
| Q3 25 | $15.4M | $133.9M | ||
| Q2 25 | $-888.0K | $87.3M | ||
| Q1 25 | — | $-42.6M | ||
| Q4 24 | — | $60.3M | ||
| Q3 24 | — | $58.1M | ||
| Q2 24 | — | $70.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | 22.1% | ||
| Q3 25 | 2.8% | 21.5% | ||
| Q2 25 | -0.2% | 13.8% | ||
| Q1 25 | — | -7.9% | ||
| Q4 24 | — | 11.7% | ||
| Q3 24 | — | 9.9% | ||
| Q2 24 | — | 11.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 6.8% | ||
| Q3 25 | 0.4% | 5.8% | ||
| Q2 25 | 0.7% | 6.0% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 10.7% | ||
| Q3 24 | — | 7.7% | ||
| Q2 24 | — | 6.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.77× | ||
| Q3 25 | — | 1.58× | ||
| Q2 25 | — | 1.21× | ||
| Q1 25 | — | 0.10× | ||
| Q4 24 | — | 2.09× | ||
| Q3 24 | — | 1.10× | ||
| Q2 24 | — | 1.14× |
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% |
SSD
Segment breakdown not available.
