Company / Operating Margin
Chime Financial, Inc. Operating Margin History
FY2023-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Margin
-47.6%
FY2025
5-year range
-47.6% / -3.7%
FY2023-FY2025
Trend
-1178.5%
vs FY2024
Sector context
#93 of 104
Financials
What the data says
Operating Margin changed -1178% YoY in FY2025, a notable deviation from the 2-year average annual change of -549%.
Based on SEC 10-K filings.
-47.6% in FY2025.
Declined from -18.4% to -47.6% over the past 2 years.
Financials sector context is included.
Operating Margin over time
Growth rates
- 3-Year Change
- -
- 5-Year Change
- -
- 10-Year Change
- -
Sector benchmark
Bottom 11% in FinancialsTop 89% of 104This company -47.6% Sector average -48.7%
▼
+2.4% above sector average
Key checks
Key Insights
- In FY2025, operating margin decreased 1178.5% year-over-year.
- Currently 1.2pp 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 | Operating MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | -47.6% | -1178.5% |
| FY2024 | -3.7% | +79.8% |
| FY2023 | -18.4% | - |
As of FY2025 · SEC 10-K · Updated Jul 4, 2026