vs
Chime Financial, Inc.（CHYM）与趣店（HTT）财务数据对比。点击上方公司名可切换其他公司
Chime Financial, Inc.的季度营收约是趣店的3290.3倍（$543.5M vs $165.2K）。趣店净利率更高（4810.3% vs -10.1%，领先4820.3%）
Chime Financial, Inc.是总部位于美国加利福尼亚州旧金山的金融科技企业，通过与Stride Bank、The Bancorp Bank两家全国性银行合作，为用户提供免服务费的移动银行服务，是美国消费金融科技领域的代表性企业之一。
趣店集团是中国本土金融科技服务提供商，核心业务涵盖小额消费信贷解决方案输出、风险管理技术服务及相关数字金融产品供应，主要服务国内广大年轻消费群体，业务布局集中于中国内地市场。
CHYM vs HTT — 直观对比
营收规模更大
CHYM
是对方的3290.3倍
$165.2K
净利率更高
HTT
高出4820.3%
-10.1%
损益表 — Q3 2025 vs Q3 2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $165.2K |
| 净利润 | $-54.7M | $7.9M |
| 毛利率 | 87.2% | 23.1% |
| 营业利润率 | -11.9% | -1298.1% |
| 净利率 | -10.1% | 4810.3% |
| 营收同比 | 28.8% | — |
| 净利润同比 | -148.4% | — |
| 每股收益（稀释后） | $-0.15 | $0.05 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CHYMHTT
| Q3 25 | $543.5M | $165.2K | ||
| Q2 25 | $528.1M | $67.2K | ||
| Q1 25 | — | $490.5K | ||
| Q3 24 | $421.9M | $1.1M | ||
| Q2 24 | $384.2M | $1.0M | ||
| Q1 24 | — | $1.1M | ||
| Q4 23 | — | $29.8K | ||
| Q3 23 | — | $559.9K |
净利润CHYMHTT
| Q3 25 | $-54.7M | $7.9M | ||
| Q2 25 | $-923.4M | $6.0M | ||
| Q1 25 | — | $2.9M | ||
| Q3 24 | $-22.0M | $2.6M | ||
| Q2 24 | $385.0K | $1.9M | ||
| Q1 24 | — | $-1.4M | ||
| Q4 23 | — | $-5.7M | ||
| Q3 23 | — | $-3.4M |
毛利率CHYMHTT
| Q3 25 | 87.2% | 23.1% | ||
| Q2 25 | 87.3% | 15.2% | ||
| Q1 25 | — | — | ||
| Q3 24 | 87.3% | 11.1% | ||
| Q2 24 | 86.9% | 13.3% | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — | ||
| Q3 23 | — | — |
营业利润率CHYMHTT
| Q3 25 | -11.9% | -1298.1% | ||
| Q2 25 | -176.2% | -3264.3% | ||
| Q1 25 | — | -253.9% | ||
| Q3 24 | -7.3% | -121.7% | ||
| Q2 24 | -2.5% | -107.6% | ||
| Q1 24 | — | -129.9% | ||
| Q4 23 | — | — | ||
| Q3 23 | — | -340.6% |
净利率CHYMHTT
| Q3 25 | -10.1% | 4810.3% | ||
| Q2 25 | -174.8% | 8936.3% | ||
| Q1 25 | — | 582.1% | ||
| Q3 24 | -5.2% | 239.8% | ||
| Q2 24 | 0.1% | 187.1% | ||
| Q1 24 | — | -131.8% | ||
| Q4 23 | — | -19155.6% | ||
| Q3 23 | — | -612.3% |
每股收益（稀释后）CHYMHTT
| Q3 25 | $-0.15 | $0.05 | ||
| Q2 25 | $-7.29 | $0.04 | ||
| Q1 25 | — | $0.02 | ||
| Q3 24 | $-0.34 | $0.01 | ||
| Q2 24 | $0.00 | $0.01 | ||
| Q1 24 | — | $-0.01 | ||
| Q4 23 | — | — | ||
| Q3 23 | — | $-0.02 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $445.0M | $162.4M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $231.7M |
| 总资产 | $2.0B | $270.5M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资CHYMHTT
| Q3 25 | $445.0M | $162.4M | ||
| Q2 25 | $868.3M | $132.5M | ||
| Q1 25 | — | $118.9M | ||
| Q3 24 | $270.8M | $104.9M | ||
| Q2 24 | $295.4M | $112.8M | ||
| Q1 24 | — | $140.6M | ||
| Q4 23 | — | $1.1B | ||
| Q3 23 | — | $183.4M |
股东权益CHYMHTT
| Q3 25 | $1.4B | $231.7M | ||
| Q2 25 | $1.4B | $223.1M | ||
| Q1 25 | — | $216.0M | ||
| Q3 24 | $-1.9B | $225.2M | ||
| Q2 24 | $-1.9B | $217.5M | ||
| Q1 24 | — | $218.9M | ||
| Q4 23 | — | $1.6B | ||
| Q3 23 | — | $226.0M |
总资产CHYMHTT
| Q3 25 | $2.0B | $270.5M | ||
| Q2 25 | $1.9B | $245.6M | ||
| Q1 25 | — | $240.6M | ||
| Q3 24 | — | $246.8M | ||
| Q2 24 | — | $227.9M | ||
| Q1 24 | — | $234.9M | ||
| Q4 23 | — | $1.8B | ||
| Q3 23 | — | $239.4M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $17.5M | — |
| 自由现金流经营现金流 - 资本支出 | $15.4M | — |
| 自由现金流率自由现金流/营收 | 2.8% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流CHYMHTT
| Q3 25 | $17.5M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | $49.6M | ||
| Q3 23 | — | — |
自由现金流CHYMHTT
| Q3 25 | $15.4M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | $-30.0M | ||
| Q3 23 | — | — |
自由现金流率CHYMHTT
| Q3 25 | 2.8% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | -100649.6% | ||
| Q3 23 | — | — |
资本支出强度CHYMHTT
| Q3 25 | 0.4% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | 266983.9% | ||
| Q3 23 | — | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CHYM
| Payments Revenue | $363.2M | 67% |
| Platform Related Revenue | $180.4M | 33% |
HTT
暂无分部数据
