Event-Driven Stocks

Chime Financial, Inc.

CHYMNasdaq

Financials · Finance Services · DE · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 4 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23
Revenue$2.19B$1.67B$1.28B
Operating income−$1.04B−$62.2M−$235.8M
Net income−$1.01B−$25.3M−$203.2M
Total assets$1.96B$1.46B—
Total liabilities$562.9M$501.5M—
Equity$1.40B−$1.93B−$1.95B
EPS (diluted)$-4.27$-0.39$-3.22
Shares out.067.0M63.1M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
−47.6%
Net margin
−46.2%
Return on equity
−72.1%
Return on assets
−51.4%
Return on capital (ROCE)
−66.0%
Liabilities / assets
28.7%
Debt / equity
0.40×
Book value / share
—
Revenue growth (YoY)
30.7%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Altman Z″ (distress)
-1.97distress
Accruals / assets
−54.1%clean
Piotroski F-Score
5/9mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
62
/ 100
Profitability 0Growth 100Catalyst 33Earnings quality 100Financial strength 75

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 4 good
  • Altman Z″ in the distress zone
  • Operating losses (negative operating margin)
  • Reported a net loss
  • Revenue is growing year-over-year
  • Conservative leverage (liabilities < 50% of assets)
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202611.5M1.6+20.5%
Apr 30, 20269.5M2.7-30.1%
Apr 15, 202613.6M4.6-1.4%
Mar 31, 202613.8M2.2+118.7%
Mar 13, 20266.3M1.5-9.1%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

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