vs
Side-by-side financial comparison of Chime Financial, Inc. (CHYM) and Walker & Dunlop, Inc. (WD). Click either name above to swap in a different company.
Chime Financial, Inc. is the larger business by last-quarter revenue ($543.5M vs $340.0M, roughly 1.6× Walker & Dunlop, Inc.). Chime Financial, Inc. runs the higher net margin — -10.1% vs -12.9%, a 2.8% gap on every dollar of revenue. On growth, Chime Financial, Inc. posted the faster year-over-year revenue change (28.8% vs -0.4%). Chime Financial, Inc. produced more free cash flow last quarter ($15.4M vs $-680.1M).
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.
Walker & Dunlop, Inc. is one of the largest commercial real estate finance and advisory services firms in the United States and internationally.
CHYM vs WD — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $543.5M | $340.0M |
| Net Profit | $-54.7M | $-13.9M |
| Gross Margin | 87.2% | — |
| Operating Margin | -11.9% | -17.2% |
| Net Margin | -10.1% | -12.9% |
| Revenue YoY | 28.8% | -0.4% |
| Net Profit YoY | -148.4% | -131.0% |
| EPS (diluted) | $-0.15 | $-0.41 |
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 | — | $340.0M | ||
| Q3 25 | $543.5M | $337.7M | ||
| Q2 25 | $528.1M | $319.2M | ||
| Q1 25 | — | $237.4M | ||
| Q4 24 | — | $341.5M | ||
| Q3 24 | $421.9M | $292.3M | ||
| Q2 24 | $384.2M | $270.7M | ||
| Q1 24 | — | $228.1M |
| Q4 25 | — | $-13.9M | ||
| Q3 25 | $-54.7M | $33.5M | ||
| Q2 25 | $-923.4M | $34.0M | ||
| Q1 25 | — | $2.8M | ||
| Q4 24 | — | $44.8M | ||
| Q3 24 | $-22.0M | $28.8M | ||
| Q2 24 | $385.0K | $22.7M | ||
| Q1 24 | — | $11.9M |
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — | ||
| Q1 24 | — | — |
| Q4 25 | — | -17.2% | ||
| Q3 25 | -11.9% | 13.6% | ||
| Q2 25 | -176.2% | 14.5% | ||
| Q1 25 | — | 2.2% | ||
| Q4 24 | — | 15.3% | ||
| Q3 24 | -7.3% | 12.8% | ||
| Q2 24 | -2.5% | 10.4% | ||
| Q1 24 | — | 6.0% |
| Q4 25 | — | -12.9% | ||
| Q3 25 | -10.1% | 9.9% | ||
| Q2 25 | -174.8% | 10.6% | ||
| Q1 25 | — | 1.2% | ||
| Q4 24 | — | 13.1% | ||
| Q3 24 | -5.2% | 9.9% | ||
| Q2 24 | 0.1% | 8.4% | ||
| Q1 24 | — | 5.2% |
| Q4 25 | — | $-0.41 | ||
| Q3 25 | $-0.15 | $0.98 | ||
| Q2 25 | $-7.29 | $0.99 | ||
| Q1 25 | — | $0.08 | ||
| Q4 24 | — | $1.32 | ||
| Q3 24 | $-0.34 | $0.85 | ||
| Q2 24 | $0.00 | $0.67 | ||
| Q1 24 | — | $0.35 |
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 | $299.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.4B | $1.7B |
| Total Assets | $2.0B | $5.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $299.3M | ||
| Q3 25 | $445.0M | $274.8M | ||
| Q2 25 | $868.3M | $233.7M | ||
| Q1 25 | — | $181.0M | ||
| Q4 24 | — | $279.3M | ||
| Q3 24 | $270.8M | $179.8M | ||
| Q2 24 | $295.4M | $208.1M | ||
| Q1 24 | — | $216.5M |
| Q4 25 | — | $1.7B | ||
| Q3 25 | $1.4B | $1.8B | ||
| Q2 25 | $1.4B | $1.8B | ||
| Q1 25 | — | $1.7B | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | $-1.9B | $1.7B | ||
| Q2 24 | $-1.9B | $1.7B | ||
| Q1 24 | — | $1.7B |
| Q4 25 | — | $5.1B | ||
| Q3 25 | $2.0B | $5.8B | ||
| Q2 25 | $1.9B | $4.7B | ||
| Q1 25 | — | $4.5B | ||
| Q4 24 | — | $4.4B | ||
| Q3 24 | — | $4.6B | ||
| Q2 24 | — | $4.2B | ||
| Q1 24 | — | $3.8B |
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 | $-664.3M |
| Free Cash FlowOCF − Capex | $15.4M | $-680.1M |
| FCF MarginFCF / Revenue | 2.8% | -200.0% |
| Capex IntensityCapex / Revenue | 0.4% | 4.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-2.2B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-664.3M | ||
| Q3 25 | $17.5M | $-948.1M | ||
| Q2 25 | $2.7M | $-238.5M | ||
| Q1 25 | — | $-281.1M | ||
| Q4 24 | — | $129.4M | ||
| Q3 24 | — | $-202.0M | ||
| Q2 24 | — | $-237.8M | ||
| Q1 24 | — | $38.4M |
| Q4 25 | — | $-680.1M | ||
| Q3 25 | $15.4M | $-950.4M | ||
| Q2 25 | $-888.0K | $-241.0M | ||
| Q1 25 | — | $-284.7M | ||
| Q4 24 | — | $116.4M | ||
| Q3 24 | — | $-204.0M | ||
| Q2 24 | — | $-241.7M | ||
| Q1 24 | — | $35.2M |
| Q4 25 | — | -200.0% | ||
| Q3 25 | 2.8% | -281.5% | ||
| Q2 25 | -0.2% | -75.5% | ||
| Q1 25 | — | -120.0% | ||
| Q4 24 | — | 34.1% | ||
| Q3 24 | — | -69.8% | ||
| Q2 24 | — | -89.3% | ||
| Q1 24 | — | 15.4% |
| Q4 25 | — | 4.6% | ||
| Q3 25 | 0.4% | 0.7% | ||
| Q2 25 | 0.7% | 0.8% | ||
| Q1 25 | — | 1.5% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | 0.7% | ||
| Q2 24 | — | 1.4% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | -28.34× | ||
| Q2 25 | — | -7.02× | ||
| Q1 25 | — | -102.07× | ||
| Q4 24 | — | 2.89× | ||
| Q3 24 | — | -7.01× | ||
| Q2 24 | — | -10.49× | ||
| Q1 24 | — | 3.24× |
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% |
WD
Segment breakdown not available.
