Chime Financial, Inc. (CHYM) Spending and interest coverage
- R&D / revenue · 12 months: Value 18.61%; Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 11.48%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | 18.61% | Research and development expense / revenue. Period ending 2026-06-30. $457.18M ÷ $2.46B × 100 ≈ 18.61% |
| Stock-based compensation / revenue · 12 months | 11.48% | Share-based compensation / revenue. Period ending 2026-06-30. $282.11M ÷ $2.46B × 100 ≈ 11.48% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | 457.18M USD | Research and Development Expense |
| Revenue | 2.46B USD | |
| Stock-based compensation | 282.11M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | -50.99M USD | Operating Income (Loss) |
| Interest expense · reported / estimated | (m) | · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | $457.18M | $2.46B | $282.11M | $-50.99M | (m) | 18.61% | 11.48% | (m) | (m) |
| 2026-03-31 | $966.82M | $2.32B | $1.12B | $-1.00B | (m) | 41.76% | 48.49% | (m) | (m) |
| 2025-12-31 | $934.92M | $2.19B | $1.07B | $-1.04B | (m) | 42.75% | 48.97% | (m) | (m) |
| 2025-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2025-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2025-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2024-12-31 | $309.57M | $1.67B | $29.84M | $-62.20M | (m) | 18.50% | 1.78% | (m) | (m) |
| 2024-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2024-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2023-12-31 | $259.00M | $1.28B | $26.04M | $-235.78M | (m) | 20.26% | 2.04% | (m) | (m) |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.