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Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and VinFast Auto Ltd. (VFS). Click either name above to swap in a different company.
VinFast Auto Ltd. is the larger business by last-quarter revenue ($718.6M vs $543.5M, roughly 1.3× Chime Financial, Inc.). VinFast Auto Ltd. runs the higher net margin — -2.8% vs -10.1%, a 7.3% gap on every dollar of revenue.
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.
VinFast Auto Ltd. is a Vietnamese multinational automotive company founded by Vingroup, one of the largest private conglomerates in Vietnam that was founded by Phạm Nhật Vượng.
CHYM vs VFS — Head-to-Head
Income Statement — Q3 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $718.6M |
| Net Profit | $-54.7M | $-20.0M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | -96.1% |
| Net Margin | -10.1% | -2.8% |
| Revenue YoY | 28.8% | — |
| Net Profit YoY | -148.4% | — |
| EPS (diluted) | $-0.15 | — |
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 | $718.6M | ||
| Q2 25 | $528.1M | $663.0M | ||
| Q1 25 | — | $656.5M | ||
| Q3 24 | $421.9M | $511.6M | ||
| Q2 24 | $384.2M | — | ||
| Q1 24 | — | $302.6M |
| Q3 25 | $-54.7M | $-20.0M | ||
| Q2 25 | $-923.4M | $-51.8M | ||
| Q1 25 | — | $-26.1M | ||
| Q3 24 | $-22.0M | $-10.4M | ||
| Q2 24 | $385.0K | — | ||
| Q1 24 | — | $-618.3M |
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — | ||
| Q1 24 | — | — |
| Q3 25 | -11.9% | -96.1% | ||
| Q2 25 | -176.2% | -79.0% | ||
| Q1 25 | — | -74.0% | ||
| Q3 24 | -7.3% | -65.9% | ||
| Q2 24 | -2.5% | — | ||
| Q1 24 | — | -139.4% |
| Q3 25 | -10.1% | -2.8% | ||
| Q2 25 | -174.8% | -7.8% | ||
| Q1 25 | — | -4.0% | ||
| Q3 24 | -5.2% | -2.0% | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | — | -204.3% |
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | — | ||
| Q1 25 | — | — | ||
| Q3 24 | $-0.34 | — | ||
| Q2 24 | $0.00 | — | ||
| Q1 24 | — | — |
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 | $8.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | — |
| Total Assets | $2.0B | $183.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q3 25 | $445.0M | $8.8M | ||
| Q2 25 | $868.3M | $650.0M | ||
| Q1 25 | — | $2.4M | ||
| Q3 24 | $270.8M | $1.9M | ||
| Q2 24 | $295.4M | — | ||
| Q1 24 | — | $3.0M |
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $-7.2B | ||
| Q1 25 | — | — | ||
| Q3 24 | $-1.9B | — | ||
| Q2 24 | $-1.9B | — | ||
| Q1 24 | — | — |
| Q3 25 | $2.0B | $183.2M | ||
| Q2 25 | $1.9B | $7.2B | ||
| Q1 25 | — | $158.2M | ||
| Q3 24 | — | $151.8M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $145.6M |
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.
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| 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% |
VFS
| Sales of vehicles | $662.9M | 92% |
| Sales of spare parts and components | $41.3M | 6% |
| Revenue from leasing activities | $12.3M | 2% |
| Finance income | $2.4M | 0% |
| Rendering of services | $1.2M | 0% |
