vs
Chime Financial, Inc.（CHYM）与Soluna Holdings, Inc（SLNH）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Soluna Holdings, Inc的64.6倍（$543.5M vs $8.4M），Chime Financial, Inc.净利率更高（-10.1% vs -284.7%，领先274.6%），Chime Financial, Inc.同比增速更快（28.8% vs 11.8%），Chime Financial, Inc.自由现金流更多（$15.4M vs $-6.8M）
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 SLNH — 直观对比
营收规模更大
CHYM
是对方的64.6倍
$8.4M
营收增速更快
CHYM
高出17.0%
11.8%
净利率更高
CHYM
高出274.6%
-284.7%
自由现金流更多
CHYM
多$22.3M
$-6.8M
损益表 — Q3 FY2025 vs Q3 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $8.4M |
| 净利润 | $-54.7M | $-24.0M |
| 毛利率 | 87.2% | 9.5% |
| 营业利润率 | -11.9% | -92.5% |
| 净利率 | -10.1% | -284.7% |
| 营收同比 | 28.8% | 11.8% |
| 净利润同比 | -148.4% | -233.2% |
| 每股收益（稀释后） | $-0.15 | $-1.14 |
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CHYMSLNH
| Q3 25 | $543.5M | $8.4M | ||
| Q2 25 | $528.1M | $6.2M | ||
| Q1 25 | — | $5.9M | ||
| Q4 24 | — | $8.3M | ||
| Q3 24 | $421.9M | $7.5M | ||
| Q2 24 | $384.2M | $9.7M | ||
| Q1 24 | — | $12.5M | ||
| Q4 23 | — | $10.1M |
净利润CHYMSLNH
| Q3 25 | $-54.7M | $-24.0M | ||
| Q2 25 | $-923.4M | $-7.4M | ||
| Q1 25 | — | $-7.6M | ||
| Q4 24 | — | $-40.0M | ||
| Q3 24 | $-22.0M | $-7.2M | ||
| Q2 24 | $385.0K | $-10.9M | ||
| Q1 24 | — | $-5.3M | ||
| Q4 23 | — | $-6.7M |
毛利率CHYMSLNH
| Q3 25 | 87.2% | 9.5% | ||
| Q2 25 | 87.3% | 6.3% | ||
| Q1 25 | — | 5.7% | ||
| Q4 24 | — | -360.8% | ||
| Q3 24 | 87.3% | -39.1% | ||
| Q2 24 | 86.9% | 34.6% | ||
| Q1 24 | — | 45.4% | ||
| Q4 23 | — | 42.4% |
营业利润率CHYMSLNH
| Q3 25 | -11.9% | -92.5% | ||
| Q2 25 | -176.2% | -107.6% | ||
| Q1 25 | — | -120.9% | ||
| Q4 24 | — | -426.0% | ||
| Q3 24 | -7.3% | -119.8% | ||
| Q2 24 | -2.5% | -38.0% | ||
| Q1 24 | — | 3.2% | ||
| Q4 23 | — | -23.9% |
净利率CHYMSLNH
| Q3 25 | -10.1% | -284.7% | ||
| Q2 25 | -174.8% | -119.9% | ||
| Q1 25 | — | -127.3% | ||
| Q4 24 | — | -483.8% | ||
| Q3 24 | -5.2% | -95.5% | ||
| Q2 24 | 0.1% | -112.4% | ||
| Q1 24 | — | -41.9% | ||
| Q4 23 | — | -66.2% |
每股收益（稀释后）CHYMSLNH
| Q3 25 | $-0.15 | $-1.14 | ||
| Q2 25 | $-7.29 | $-0.93 | ||
| Q1 25 | — | $-1.21 | ||
| Q4 24 | — | $-7.14 | ||
| Q3 24 | $-0.34 | $-1.56 | ||
| Q2 24 | $0.00 | $-3.62 | ||
| Q1 24 | — | $-2.62 | ||
| Q4 23 | — | $-1.99 |
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 | — |
| 总债务越低越好 | — | $13.3M |
| 股东权益账面价值 | $1.4B | $14.5M |
| 总资产 | $2.0B | $152.0M |
| 负债/权益比越低杠杆越低 | — | 0.92× |
8季度趋势，按日历期对齐
现金及短期投资CHYMSLNH
| Q3 25 | $445.0M | — | ||
| Q2 25 | $868.3M | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $270.8M | — | ||
| Q2 24 | $295.4M | — | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
总债务CHYMSLNH
| Q3 25 | — | $13.3M | ||
| Q2 25 | — | $10.0M | ||
| Q1 25 | — | $10.2M | ||
| Q4 24 | — | $7.1M | ||
| Q3 24 | — | $8.1M | ||
| Q2 24 | — | $9.0M | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
股东权益CHYMSLNH
| Q3 25 | $1.4B | $14.5M | ||
| Q2 25 | $1.4B | $-19.5M | ||
| Q1 25 | — | $-16.1M | ||
| Q4 24 | — | $-12.5M | ||
| Q3 24 | $-1.9B | $20.9M | ||
| Q2 24 | $-1.9B | $24.4M | ||
| Q1 24 | — | $21.5M | ||
| Q4 23 | — | $26.5M |
总资产CHYMSLNH
| Q3 25 | $2.0B | $152.0M | ||
| Q2 25 | $1.9B | $92.0M | ||
| Q1 25 | — | $90.0M | ||
| Q4 24 | — | $88.0M | ||
| Q3 24 | — | $97.3M | ||
| Q2 24 | — | $98.7M | ||
| Q1 24 | — | $90.6M | ||
| Q4 23 | — | $91.3M |
负债/权益比CHYMSLNH
| Q3 25 | — | 0.92× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.39× | ||
| Q2 24 | — | 0.37× | ||
| Q1 24 | — | — | ||
| Q4 23 | — | — |
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 | $-2.2M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $-6.8M |
| 自由现金流率自由现金流/营收 | 2.8% | -81.4% |
| 资本支出强度资本支出/营收 | 0.4% | 55.2% |
| 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 | — | $-34.4M |
8季度趋势，按日历期对齐
经营现金流CHYMSLNH
| Q3 25 | $17.5M | $-2.2M | ||
| Q2 25 | $2.7M | $-1.1M | ||
| Q1 25 | — | $-177.0K | ||
| Q4 24 | — | $-5.1M | ||
| Q3 24 | — | $61.0K | ||
| Q2 24 | — | $-7.3M | ||
| Q1 24 | — | $3.9M | ||
| Q4 23 | — | $1.4M |
自由现金流CHYMSLNH
| Q3 25 | $15.4M | $-6.8M | ||
| Q2 25 | $-888.0K | $-9.7M | ||
| Q1 25 | — | $-4.0M | ||
| Q4 24 | — | $-13.9M | ||
| Q3 24 | — | $-3.4M | ||
| Q2 24 | — | $-7.6M | ||
| Q1 24 | — | $3.3M | ||
| Q4 23 | — | $1.2M |
自由现金流率CHYMSLNH
| Q3 25 | 2.8% | -81.4% | ||
| Q2 25 | -0.2% | -156.8% | ||
| Q1 25 | — | -67.1% | ||
| Q4 24 | — | -168.3% | ||
| Q3 24 | — | -44.8% | ||
| Q2 24 | — | -78.2% | ||
| Q1 24 | — | 26.5% | ||
| Q4 23 | — | 12.3% |
资本支出强度CHYMSLNH
| Q3 25 | 0.4% | 55.2% | ||
| Q2 25 | 0.7% | 139.0% | ||
| Q1 25 | — | 64.2% | ||
| Q4 24 | — | 107.0% | ||
| Q3 24 | — | 45.6% | ||
| Q2 24 | — | 2.5% | ||
| Q1 24 | — | 4.2% | ||
| Q4 23 | — | 1.7% |
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% |
SLNH
| Data Hosting Revenue | $5.3M | 62% |
| Cryptocurrency Mining Revenue | $2.8M | 33% |
| Other | $389.0K | 5% |
