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Chime Financial, Inc.（CHYM）与SOLAI Ltd（SLAI）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SOLAI Ltd的49.4倍（$543.5M vs $11.0M），Chime Financial, Inc.净利率更高（-10.1% vs -126.2%，领先116.1%），Chime Financial, Inc.同比增速更快（28.8% vs -43.1%），Chime Financial, Inc.自由现金流更多（$15.4M vs $-17.0M）
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。
CHYM vs SLAI — 直观对比
营收规模更大
CHYM
是对方的49.4倍
$11.0M
营收增速更快
CHYM
高出71.9%
-43.1%
净利率更高
CHYM
高出116.1%
-126.2%
自由现金流更多
CHYM
多$32.4M
$-17.0M
损益表 — Q3 FY2025 vs Q2 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $11.0M |
| 净利润 | $-54.7M | $-13.9M |
| 毛利率 | 87.2% | 0.1% |
| 营业利润率 | -11.9% | -126.2% |
| 净利率 | -10.1% | -126.2% |
| 营收同比 | 28.8% | -43.1% |
| 净利润同比 | -148.4% | -173.4% |
| 每股收益（稀释后） | $-0.15 | $-0.01 |
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CHYMSLAI
| Q3 25 | $543.5M | — | ||
| Q2 25 | $528.1M | $11.0M | ||
| Q3 24 | $421.9M | — | ||
| Q2 24 | $384.2M | $19.4M |
净利润CHYMSLAI
| Q3 25 | $-54.7M | — | ||
| Q2 25 | $-923.4M | $-13.9M | ||
| Q3 24 | $-22.0M | — | ||
| Q2 24 | $385.0K | $18.9M |
毛利率CHYMSLAI
| Q3 25 | 87.2% | — | ||
| Q2 25 | 87.3% | 0.1% | ||
| Q3 24 | 87.3% | — | ||
| Q2 24 | 86.9% | 52.4% |
营业利润率CHYMSLAI
| Q3 25 | -11.9% | — | ||
| Q2 25 | -176.2% | -126.2% | ||
| Q3 24 | -7.3% | — | ||
| Q2 24 | -2.5% | -2.6% |
净利率CHYMSLAI
| Q3 25 | -10.1% | — | ||
| Q2 25 | -174.8% | -126.2% | ||
| Q3 24 | -5.2% | — | ||
| Q2 24 | 0.1% | 97.9% |
每股收益（稀释后）CHYMSLAI
| Q3 25 | $-0.15 | — | ||
| Q2 25 | $-7.29 | $-0.01 | ||
| Q3 24 | $-0.34 | — | ||
| Q2 24 | $0.00 | $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 | $1.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $43.8M |
| 总资产 | $2.0B | $69.1M |
| 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CHYMSLAI
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | $1.2M | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | $2.3M |
股东权益CHYMSLAI
| Q3 25 | $1.4B | — | ||
| Q2 25 | $1.4B | $43.8M | ||
| Q3 24 | $-1.9B | — | ||
| Q2 24 | $-1.9B | $45.9M |
总资产CHYMSLAI
| Q3 25 | $2.0B | — | ||
| Q2 25 | $1.9B | $69.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $63.3M |
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 | $-17.0M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $-17.0M |
| 自由现金流率自由现金流/营收 | 2.8% | -154.2% |
| 资本支出强度资本支出/营收 | 0.4% | 0.0% |
| 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 | — | — |
8季度趋势，按日历期对齐
经营现金流CHYMSLAI
| Q3 25 | $17.5M | — | ||
| Q2 25 | $2.7M | $-17.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $-12.1M |
自由现金流CHYMSLAI
| Q3 25 | $15.4M | — | ||
| Q2 25 | $-888.0K | $-17.0M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
自由现金流率CHYMSLAI
| Q3 25 | 2.8% | — | ||
| Q2 25 | -0.2% | -154.2% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
资本支出强度CHYMSLAI
| Q3 25 | 0.4% | — | ||
| Q2 25 | 0.7% | 0.0% | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
现金转化率CHYMSLAI
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | -0.64× |
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% |
SLAI
| Data center | $6.5M | 59% |
| Cryptocurrency mining | $4.6M | 41% |
