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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Utz Brands, Inc. (UTZ). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $361.3M, roughly 1.5× Utz Brands, Inc.). On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs 2.6%).
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.
Utz Brands, Inc., more commonly known as Utz, is an American snack food company based in Hanover, Pennsylvania. The company produces a variety of potato chips, pretzels, and other snacks, with most products sold under their family of brands. Utz is also a snack supplier to warehouse clubs and merchandisers.
CHYM vs UTZ — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2027
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $361.3M |
| Net Profit | $-54.7M | — |
| Gross Margin | 87.2% | 25.4% |
| Operating Margin | -11.9% | 2.2% |
| Net Margin | -10.1% | — |
| Revenue YoY | 28.8% | 2.6% |
| Net Profit YoY | -148.4% | — |
| EPS (diluted) | $-0.15 | $-0.02 |
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 | — | $361.3M | ||
| Q3 25 | $543.5M | — | ||
| Q2 25 | $528.1M | — | ||
| Q4 24 | — | $341.0M | ||
| Q3 24 | $421.9M | $365.5M | ||
| Q2 24 | $384.2M | $356.2M | ||
| Q1 24 | — | $346.5M | ||
| Q4 23 | — | $371.9M |
| Q1 26 | — | — | ||
| Q3 25 | $-54.7M | — | ||
| Q2 25 | $-923.4M | — | ||
| Q4 24 | — | $2.3M | ||
| Q3 24 | $-22.0M | $-2.2M | ||
| Q2 24 | $385.0K | $19.8M | ||
| Q1 24 | — | $-4.0M | ||
| Q4 23 | — | $16.0M |
| Q1 26 | — | 25.4% | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q4 24 | — | 25.5% | ||
| Q3 24 | 87.3% | 26.9% | ||
| Q2 24 | 86.9% | 26.7% | ||
| Q1 24 | — | 25.5% | ||
| Q4 23 | — | 32.1% |
| Q1 26 | — | 2.2% | ||
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | — | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | -7.3% | 5.3% | ||
| Q2 24 | -2.5% | 6.3% | ||
| Q1 24 | — | 2.8% | ||
| Q4 23 | — | 1.4% |
| Q1 26 | — | — | ||
| Q3 25 | -10.1% | — | ||
| Q2 25 | -174.8% | — | ||
| Q4 24 | — | 0.7% | ||
| Q3 24 | -5.2% | -0.6% | ||
| Q2 24 | 0.1% | 5.6% | ||
| Q1 24 | — | -1.2% | ||
| Q4 23 | — | 4.3% |
| Q1 26 | — | $-0.02 | ||
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | — | ||
| Q4 24 | — | $0.04 | ||
| Q3 24 | $-0.34 | $-0.03 | ||
| Q2 24 | $0.00 | $0.23 | ||
| Q1 24 | — | $-0.05 | ||
| Q4 23 | — | $0.19 |
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 | $73.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $709.5M |
| Total Assets | $2.0B | $2.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $73.7M | ||
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | — | ||
| Q4 24 | — | $56.1M | ||
| Q3 24 | $270.8M | $64.9M | ||
| Q2 24 | $295.4M | $66.6M | ||
| Q1 24 | — | $47.0M | ||
| Q4 23 | — | $60.1M |
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q4 24 | — | $768.6M | ||
| Q3 24 | — | $780.8M | ||
| Q2 24 | — | $797.6M | ||
| Q1 24 | — | $756.9M | ||
| Q4 23 | — | $915.8M |
| Q1 26 | — | $709.5M | ||
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | — | ||
| Q4 24 | — | $696.9M | ||
| Q3 24 | $-1.9B | $685.7M | ||
| Q2 24 | $-1.9B | $686.0M | ||
| Q1 24 | — | $671.1M | ||
| Q4 23 | — | $705.9M |
| Q1 26 | — | $2.8B | ||
| Q3 25 | $2.0B | — | ||
| Q2 25 | $1.9B | — | ||
| Q4 24 | — | $2.7B | ||
| Q3 24 | — | $2.6B | ||
| Q2 24 | — | $2.7B | ||
| Q1 24 | — | $2.6B | ||
| Q4 23 | — | $2.8B |
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q4 24 | — | 1.10× | ||
| Q3 24 | — | 1.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 1.13× | ||
| Q4 23 | — | 1.30× |
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 | $-12.2M |
| Free Cash FlowOCF − Capex | $15.4M | — |
| FCF MarginFCF / Revenue | 2.8% | — |
| Capex IntensityCapex / Revenue | 0.4% | 3.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $-12.2M | ||
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | — | ||
| Q4 24 | — | $54.2M | ||
| Q3 24 | — | $52.2M | ||
| Q2 24 | — | $8.9M | ||
| Q1 24 | — | $-9.1M | ||
| Q4 23 | — | $53.4M |
| Q1 26 | — | — | ||
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q4 24 | — | $16.5M | ||
| Q3 24 | — | $29.1M | ||
| Q2 24 | — | $-15.3M | ||
| Q1 24 | — | $-22.7M | ||
| Q4 23 | — | $37.9M |
| Q1 26 | — | — | ||
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q4 24 | — | 4.8% | ||
| Q3 24 | — | 8.0% | ||
| Q2 24 | — | -4.3% | ||
| Q1 24 | — | -6.5% | ||
| Q4 23 | — | 10.2% |
| Q1 26 | — | 3.8% | ||
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q4 24 | — | 11.1% | ||
| Q3 24 | — | 6.3% | ||
| Q2 24 | — | 6.8% | ||
| Q1 24 | — | 3.9% | ||
| Q4 23 | — | 4.2% |
| Q1 26 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q4 24 | — | 23.67× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.45× | ||
| Q1 24 | — | — | ||
| Q4 23 | — | 3.34× |
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% |
UTZ
Segment breakdown not available.
