Company / Gross Margin
Chime Financial, Inc. Gross Margin History
FY2023-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Gross Margin
88.0%
FY2025
5-year range
82.8% / 88.0%
FY2023-FY2025
Trend
+0.4%
vs FY2024
Sector context
#1 of 21
Financials
What the data says
Among 21 Financials companies, Chime Financial, Inc. is in the top 5% for gross margin. Gross Margin remained relatively stable over the past 3 years, with values between 82.8% and 88.0%.
Based on SEC 10-K filings.
88.0% in FY2025. Ranks 1st among 21 companies in Financials.
Improved from 82.8% to 88.0% over the past 2 years.
Financials sector context is included.
Gross Margin over time
Growth rates
- 3-Year Change
- -
- 5-Year Change
- -
- 10-Year Change
- -
Sector benchmark
Top 5% in FinancialsTop 5% of 21This company 88.0% Sector average 46.2%
▼
+90.6% above sector average
Key checks
Key Insights
- In FY2025, gross margin increased 0.4% year-over-year.
- Currently 41.8pp above the Financials sector average.
Company context
Key Data Points
- Altman Z-Score -0.44 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Gross MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | 88.0% | +0.4% |
| FY2024 | 87.6% | +5.8% |
| FY2023 | 82.8% | - |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026