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Chime Financial, Inc.（CHYM）与Riot Platforms, Inc.（RIOT）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Riot Platforms, Inc.的3.6倍（$543.5M vs $152.8M）。Chime Financial, Inc.净利率更高（-10.1% vs -452.0%，领先441.9%）。Chime Financial, Inc.同比增速更快（28.8% vs 7.2%）。Chime Financial, Inc.自由现金流更多（$15.4M vs $-188.0M）
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。
Riot Platforms是美国领先的比特币挖矿企业，在北美地区运营多座大规模高能效的加密货币矿场，同时布局区块链相关基础设施业务，长期持有比特币作为核心储备资产，专注于数字资产生态相关业务的长期发展。
CHYM vs RIOT — 直观对比
营收规模更大
CHYM
是对方的3.6倍
$152.8M
营收增速更快
CHYM
高出21.6%
7.2%
净利率更高
CHYM
高出441.9%
-452.0%
自由现金流更多
CHYM
多$203.4M
$-188.0M
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $152.8M |
| 净利润 | $-54.7M | $-690.7M |
| 毛利率 | 87.2% | — |
| 营业利润率 | -11.9% | -447.9% |
| 净利率 | -10.1% | -452.0% |
| 营收同比 | 28.8% | 7.2% |
| 净利润同比 | -148.4% | -606.3% |
| 每股收益（稀释后） | $-0.15 | $-1.89 |
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CHYMRIOT
| Q4 25 | — | $152.8M | ||
| Q3 25 | $543.5M | $180.2M | ||
| Q2 25 | $528.1M | $153.0M | ||
| Q1 25 | — | $161.4M | ||
| Q4 24 | — | $142.6M | ||
| Q3 24 | $421.9M | $84.8M | ||
| Q2 24 | $384.2M | $70.0M | ||
| Q1 24 | — | $79.3M |
净利润CHYMRIOT
| Q4 25 | — | $-690.7M | ||
| Q3 25 | $-54.7M | $104.5M | ||
| Q2 25 | $-923.4M | $219.5M | ||
| Q1 25 | — | $-296.4M | ||
| Q4 24 | — | $136.4M | ||
| Q3 24 | $-22.0M | $-154.4M | ||
| Q2 24 | $385.0K | $-84.4M | ||
| Q1 24 | — | $211.8M |
毛利率CHYMRIOT
| Q4 25 | — | — | ||
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | — | ||
| Q1 24 | — | — |
营业利润率CHYMRIOT
| Q4 25 | — | -447.9% | ||
| Q3 25 | -11.9% | 44.4% | ||
| Q2 25 | -176.2% | — | ||
| Q1 25 | — | -144.9% | ||
| Q4 24 | — | — | ||
| Q3 24 | -7.3% | -143.3% | ||
| Q2 24 | -2.5% | -167.2% | ||
| Q1 24 | — | — |
净利率CHYMRIOT
| Q4 25 | — | -452.0% | ||
| Q3 25 | -10.1% | 58.0% | ||
| Q2 25 | -174.8% | 143.4% | ||
| Q1 25 | — | -183.6% | ||
| Q4 24 | — | 95.7% | ||
| Q3 24 | -5.2% | -182.1% | ||
| Q2 24 | 0.1% | -120.6% | ||
| Q1 24 | — | 267.1% |
每股收益（稀释后）CHYMRIOT
| Q4 25 | — | $-1.89 | ||
| Q3 25 | $-0.15 | $0.26 | ||
| Q2 25 | $-7.29 | $0.58 | ||
| Q1 25 | — | $-0.90 | ||
| Q4 24 | — | $0.39 | ||
| Q3 24 | $-0.34 | $-0.54 | ||
| Q2 24 | $0.00 | $-0.32 | ||
| Q1 24 | — | $0.81 |
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 | $233.5M |
| 总债务越低越好 | — | $840.8M |
| 股东权益账面价值 | $1.4B | $2.9B |
| 总资产 | $2.0B | $3.9B |
| 负债/权益比越低杠杆越低 | — | 0.29× |
8季度趋势，按日历期对齐
现金及短期投资CHYMRIOT
| Q4 25 | — | $233.5M | ||
| Q3 25 | $445.0M | $330.7M | ||
| Q2 25 | $868.3M | $255.4M | ||
| Q1 25 | — | $163.7M | ||
| Q4 24 | — | $277.9M | ||
| Q3 24 | $270.8M | $355.7M | ||
| Q2 24 | $295.4M | $481.2M | ||
| Q1 24 | — | $688.5M |
总债务CHYMRIOT
| Q4 25 | — | $840.8M | ||
| Q3 25 | — | $5.3M | ||
| Q2 25 | — | $5.3M | ||
| Q1 25 | — | $5.3M | ||
| Q4 24 | — | $5.3M | ||
| Q3 24 | — | $5.7M | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
股东权益CHYMRIOT
| Q4 25 | — | $2.9B | ||
| Q3 25 | $1.4B | $3.5B | ||
| Q2 25 | $1.4B | $3.3B | ||
| Q1 25 | — | $2.9B | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | $-1.9B | $2.7B | ||
| Q2 24 | $-1.9B | $2.6B | ||
| Q1 24 | — | $2.5B |
总资产CHYMRIOT
| Q4 25 | — | $3.9B | ||
| Q3 25 | $2.0B | $4.5B | ||
| Q2 25 | $1.9B | $4.3B | ||
| Q1 25 | — | $3.7B | ||
| Q4 24 | — | $3.9B | ||
| Q3 24 | — | $2.9B | ||
| Q2 24 | — | $2.7B | ||
| Q1 24 | — | $2.6B |
负债/权益比CHYMRIOT
| Q4 25 | — | 0.29× | ||
| Q3 25 | — | 0.00× | ||
| Q2 25 | — | 0.00× | ||
| Q1 25 | — | 0.00× | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.00× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-105.5M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $-188.0M |
| 自由现金流率自由现金流/营收 | 2.8% | -123.0% |
| 资本支出强度资本支出/营收 | 0.4% | 54.0% |
| 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 | — | $-774.3M |
8季度趋势，按日历期对齐
经营现金流CHYMRIOT
| Q4 25 | — | $-105.5M | ||
| Q3 25 | $17.5M | $-114.0M | ||
| Q2 25 | — | $-231.3M | ||
| Q1 25 | — | $-122.1M | ||
| Q4 24 | — | $-98.4M | ||
| Q3 24 | — | $-56.3M | ||
| Q2 24 | — | $-42.5M | ||
| Q1 24 | — | $-57.9M |
自由现金流CHYMRIOT
| Q4 25 | — | $-188.0M | ||
| Q3 25 | $15.4M | $-139.7M | ||
| Q2 25 | — | $-291.7M | ||
| Q1 25 | — | $-154.9M | ||
| Q4 24 | — | $-156.6M | ||
| Q3 24 | — | $-127.6M | ||
| Q2 24 | — | $-96.1M | ||
| Q1 24 | — | $-115.2M |
自由现金流率CHYMRIOT
| Q4 25 | — | -123.0% | ||
| Q3 25 | 2.8% | -77.5% | ||
| Q2 25 | — | -190.7% | ||
| Q1 25 | — | -96.0% | ||
| Q4 24 | — | -109.8% | ||
| Q3 24 | — | -150.5% | ||
| Q2 24 | — | -137.2% | ||
| Q1 24 | — | -145.2% |
资本支出强度CHYMRIOT
| Q4 25 | — | 54.0% | ||
| Q3 25 | 0.4% | 14.3% | ||
| Q2 25 | — | 39.5% | ||
| Q1 25 | — | 20.4% | ||
| Q4 24 | — | 40.8% | ||
| Q3 24 | — | 84.1% | ||
| Q2 24 | — | 76.5% | ||
| Q1 24 | — | 72.3% |
现金转化率CHYMRIOT
| Q4 25 | — | — | ||
| Q3 25 | — | -1.09× | ||
| Q2 25 | — | -1.05× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | -0.72× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | -0.27× |
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% |
RIOT
| Bitcoin Mining Segment | $131.7M | 86% |
| Engineering Segment | $21.1M | 14% |
