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Chime Financial, Inc.（CHYM）与SoFi Technologies, Inc.（SOFI）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SoFi Technologies, Inc.的3.2倍（$543.5M vs $170.3M）。SoFi Technologies, Inc.净利率更高（101.9% vs -10.1%，领先112.0%）。Chime Financial, Inc.同比增速更快（28.8% vs 25.7%）。Chime Financial, Inc.自由现金流更多（$15.4M vs $-1.1B）
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。
SoFi Technologies是美国金融科技企业，2011年由斯坦福大学学生创立，持有全国性特许牌照运营线上银行，同时为其他金融机构提供技术解决方案，是美国规模最大的线上贷款机构，截至2025年累计服务客户达1370万。
CHYM vs SOFI — 直观对比
营收规模更大
CHYM
是对方的3.2倍
$170.3M
营收增速更快
CHYM
高出3.2%
25.7%
净利率更高
SOFI
高出112.0%
-10.1%
自由现金流更多
CHYM
多$1.1B
$-1.1B
损益表 — Q3 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $543.5M | $170.3M |
| 净利润 | $-54.7M | $173.5M |
| 毛利率 | 87.2% | 5.1% |
| 营业利润率 | -11.9% | — |
| 净利率 | -10.1% | 101.9% |
| 营收同比 | 28.8% | 25.7% |
| 净利润同比 | -148.4% | -47.8% |
| 每股收益（稀释后） | $-0.15 | $0.14 |
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CHYMSOFI
| Q4 25 | — | $170.3M | ||
| Q3 25 | $543.5M | $156.8M | ||
| Q2 25 | $528.1M | $151.9M | ||
| Q1 25 | — | $140.4M | ||
| Q4 24 | — | $135.5M | ||
| Q3 24 | $421.9M | $131.2M | ||
| Q2 24 | $384.2M | $120.8M | ||
| Q1 24 | — | $115.6M |
净利润CHYMSOFI
| Q4 25 | — | $173.5M | ||
| Q3 25 | $-54.7M | $139.4M | ||
| Q2 25 | $-923.4M | $97.3M | ||
| Q1 25 | — | $71.1M | ||
| Q4 24 | — | $332.5M | ||
| Q3 24 | $-22.0M | $60.7M | ||
| Q2 24 | $385.0K | $17.4M | ||
| Q1 24 | — | $88.0M |
毛利率CHYMSOFI
| Q4 25 | — | 5.1% | ||
| Q3 25 | 87.2% | -3.0% | ||
| Q2 25 | 87.3% | 1.0% | ||
| Q1 25 | — | 3.5% | ||
| Q4 24 | — | 5.4% | ||
| Q3 24 | 87.3% | 5.7% | ||
| Q2 24 | 86.9% | 9.2% | ||
| Q1 24 | — | 13.4% |
营业利润率CHYMSOFI
| Q4 25 | — | — | ||
| Q3 25 | -11.9% | 94.7% | ||
| Q2 25 | -176.2% | 73.9% | ||
| Q1 25 | — | 56.8% | ||
| Q4 24 | — | 44.2% | ||
| Q3 24 | -7.3% | 48.7% | ||
| Q2 24 | -2.5% | 12.7% | ||
| Q1 24 | — | 81.5% |
净利率CHYMSOFI
| Q4 25 | — | 101.9% | ||
| Q3 25 | -10.1% | 88.9% | ||
| Q2 25 | -174.8% | 64.0% | ||
| Q1 25 | — | 50.7% | ||
| Q4 24 | — | 245.4% | ||
| Q3 24 | -5.2% | 46.3% | ||
| Q2 24 | 0.1% | 14.4% | ||
| Q1 24 | — | 76.2% |
每股收益（稀释后）CHYMSOFI
| Q4 25 | — | $0.14 | ||
| Q3 25 | $-0.15 | $0.11 | ||
| Q2 25 | $-7.29 | $0.08 | ||
| Q1 25 | — | $0.06 | ||
| Q4 24 | — | $0.31 | ||
| Q3 24 | $-0.34 | $0.05 | ||
| Q2 24 | $0.00 | $0.01 | ||
| Q1 24 | — | $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 | $4.9B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.4B | $10.5B |
| 总资产 | $2.0B | $50.7B |
| 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CHYMSOFI
| Q4 25 | — | $4.9B | ||
| Q3 25 | $445.0M | $3.2B | ||
| Q2 25 | $868.3M | $2.1B | ||
| Q1 25 | — | $2.1B | ||
| Q4 24 | — | $2.5B | ||
| Q3 24 | $270.8M | $2.4B | ||
| Q2 24 | $295.4M | $2.3B | ||
| Q1 24 | — | $3.7B |
股东权益CHYMSOFI
| Q4 25 | — | $10.5B | ||
| Q3 25 | $1.4B | $8.8B | ||
| Q2 25 | $1.4B | $6.9B | ||
| Q1 25 | — | $6.7B | ||
| Q4 24 | — | $6.5B | ||
| Q3 24 | $-1.9B | $6.1B | ||
| Q2 24 | $-1.9B | $5.9B | ||
| Q1 24 | — | $5.8B |
总资产CHYMSOFI
| Q4 25 | — | $50.7B | ||
| Q3 25 | $2.0B | $45.3B | ||
| Q2 25 | $1.9B | $41.1B | ||
| Q1 25 | — | $37.7B | ||
| Q4 24 | — | $36.3B | ||
| Q3 24 | — | $34.4B | ||
| Q2 24 | — | $32.6B | ||
| Q1 24 | — | $31.3B |
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 | $-991.2M |
| 自由现金流经营现金流 - 资本支出 | $15.4M | $-1.1B |
| 自由现金流率自由现金流/营收 | 2.8% | -621.0% |
| 资本支出强度资本支出/营收 | 0.4% | 39.0% |
| 现金转化率经营现金流/净利润 | — | -5.71× |
| 过去12个月自由现金流最近4个季度 | — | $-4.0B |
8季度趋势，按日历期对齐
经营现金流CHYMSOFI
| Q4 25 | — | $-991.2M | ||
| Q3 25 | $17.5M | $-1.3B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $21.5M | ||
| Q4 24 | — | $-200.1M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-484.4M | ||
| Q1 24 | — | $738.2M |
自由现金流CHYMSOFI
| Q4 25 | — | $-1.1B | ||
| Q3 25 | $15.4M | $-1.4B | ||
| Q2 25 | — | $-1.5B | ||
| Q1 25 | — | $-31.1M | ||
| Q4 24 | — | $-242.4M | ||
| Q3 24 | — | $-1.2B | ||
| Q2 24 | — | $-521.1M | ||
| Q1 24 | — | $706.3M |
自由现金流率CHYMSOFI
| Q4 25 | — | -621.0% | ||
| Q3 25 | 2.8% | -871.1% | ||
| Q2 25 | — | -1007.6% | ||
| Q1 25 | — | -22.2% | ||
| Q4 24 | — | -178.9% | ||
| Q3 24 | — | -927.3% | ||
| Q2 24 | — | -431.4% | ||
| Q1 24 | — | 610.9% |
资本支出强度CHYMSOFI
| Q4 25 | — | 39.0% | ||
| Q3 25 | 0.4% | 38.3% | ||
| Q2 25 | — | 41.8% | ||
| Q1 25 | — | 37.5% | ||
| Q4 24 | — | 31.2% | ||
| Q3 24 | — | 33.0% | ||
| Q2 24 | — | 30.4% | ||
| Q1 24 | — | 27.7% |
现金转化率CHYMSOFI
| Q4 25 | — | -5.71× | ||
| Q3 25 | — | -9.37× | ||
| Q2 25 | — | -15.08× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | -0.60× | ||
| Q3 24 | — | -19.32× | ||
| Q2 24 | — | -27.83× | ||
| Q1 24 | — | 8.39× |
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% |
SOFI
| Technology Platform Segment | $94.0M | 55% |
| Interchange | $35.9M | 21% |
| Referrals Loan Platform | $19.7M | 12% |
| Brokerage | $12.9M | 8% |
| Financial Service Other | $4.1M | 2% |
| Other | $3.6M | 2% |
