Chime Financial Inc
CHYMTechnology·Software - Application·USA·Large·NASD·Nov 11 • 3:59 PM ET
33.08+0.54 (1.66%)
2026-11-12 05:56 CET
Market cap
12,485.75 USD m
Revenue, TTM
2,346.41 USD m
Net income, TTM
80.25 USD m
Free cash flow, TTM
415.21 USD m
EPS diluted, TTM
0.20
P/E
169.03
Price
CHYM against its 20, 50 and 200-day averages2050200beat
6.9% under the 52-week high of 35.55 on 9 Sep 2026. 52-week low 15.88 on 11 Jun 2026. Last 15 sessions, 20.3% high to low
Volume 0.56× normal · the line is the 50-bar volume average
Profile
CHYM52-week range, 87% of the way up
15.8835.55
Chime Financial, Inc. engages in the design and development of a digital banking application. Its mobile app, Chime, provides online banking, fee-free overdraft, mobile banking, automatic savings, mobile payments, and security and control capabilities. The company was founded by Christopher R. Britt and Ryan King in 2012 and is headquartered in San Francisco, CA.
| Index | RUI |
|---|---|
| Employees | 1519 |
| IPO | Jun 12, 2025 |
| Beta | 0.54 |
| ATR, 14d | 1.40 |
| Rel volume | 0.56 |
| Short float | 12.99% |
| Insider own | 51.41% |
| Inst own | 46.53% |
Snapshot
6 groupsValuation
| Index | RUI |
|---|---|
| Market Cap | 12.49B |
| Enterprise Value | 11.31B |
| Income | 80.25M |
| Sales | 2.35B |
| Book/sh | 4.02 |
| Cash/sh | 3.45 |
| Dividend Est. | - |
| Dividend TTM | - |
| Dividend Ex-Date | - |
| Dividend Gr. 3/5Y | - - |
| Payout | - |
| Employees | 1519 |
| IPO | Jun 12, 2025 |
Ratios
| P/E | 169.03 |
|---|---|
| Forward P/E | 31.52 |
| PEG | - |
| P/S | 5.32 |
| P/B | 8.22 |
| P/C | 9.59 |
| P/FCF | 30.07 |
| EV/EBITDA | 101.39 |
| EV/Sales | 4.82 |
| Quick Ratio | 4.80 |
| Current Ratio | 4.80 |
| Debt/Eq | 0.08 |
| LT Debt/Eq | 0.07 |
| Option/Short | Yes / Yes |
Earnings
| EPS (ttm) | 0.20 |
|---|---|
| EPS next Y | 1.05 |
| EPS next Q | 0.20 |
| EPS this Y | 111.83% |
| EPS next Y | 107.79% |
| EPS next 5Y | - |
| EPS past 3/5Y | -27.24% - |
| Sales past 3/5Y | 24.83% - |
| EPS Y/Y TTM | 107.82% |
| Sales Y/Y TTM | 19.38% |
| EPS Q/Q | 174.76% |
| Sales Q/Q | 23.62% |
| Earnings | Nov 04 AMC |
| EPS/Sales Surpr. | 13.64% 1.88% |
Ownership
| Insider Own | 51.41% |
|---|---|
| Insider Trans | -16.44% |
| Inst Own | 46.53% |
| Inst Trans | -4.19% |
| ROA | 3.85% |
| ROE | 5.38% |
| ROIC | 4.84% |
| Gross Margin | 87.32% |
| Oper. Margin | 3.44% |
| Profit Margin | 3.42% |
| SMA20 | 10.49% |
| SMA50 | 10.48% |
| SMA200 | 38.13% |
| Trades | - |
Technical
| Shs Outstand | 352.88M |
|---|---|
| Shs Float | 183.41M |
| Short Float | 12.99% |
| Short Ratio | 3.87 |
| Short Interest | 23.82M |
| 52W High | 35.55 -6.95% |
| 52W Low | 15.88 108.31% |
| Volatility | 6.18% 4.24% |
| ATR (14) | 1.40 |
| RSI (14) | 68.88 |
| Beta | 0.54 |
| Rel Volume | 0.56 |
| Avg Volume | 6.16M |
| Volume | 3,460,742 |
Performance
| Perf Week | 10.75% |
|---|---|
| Perf Month | 10.64% |
| Perf Quarter | 2.80% |
| Perf Half Y | 90.22% |
| Perf YTD | 31.43% |
| Perf Year | 62.24% |
| Perf 3Y | - |
| Perf 5Y | - |
| Perf 10Y | - |
| Recom | 1.22 |
| Target Price | 41.92 |
| Prev Close | 32.54 |
| Price | 33.08 |
| Change % | 1.66% |
Analyst ratings
latest 10 of 20| Date | Action | Analyst | Rating change | Target | Implied |
|---|---|---|---|---|---|
| Oct 26, 2026 | Initiated | MMonness Crespi & Hardt | Neutral | ||
| Oct 08, 2026 | Upgrade | DDeutsche Bank | Hold → Buy | $35 | +5.8% |
| Sep 09, 2026 | Initiated | LLoop Capital | Buy | $45 | +36.0% |
| Sep 02, 2026 | Initiated | BScotiabank | Sector Outperform | $40 | +20.9% |
| Jul 08, 2026 | Initiated | BBarclays | Overweight | $26 | -21.4% |
| Apr 22, 2026 | Initiated | BBMO Capital Markets | Outperform | $30 | -9.3% |
| Apr 13, 2026 | Upgrade | CCompass Point | Neutral → Buy | $27 | -18.4% |
| Apr 13, 2026 | Initiated | WWells Fargo | Overweight | $25 | -24.4% |
| Mar 04, 2026 | Initiated | KKeyBanc Capital Markets | Overweight | $30 | -9.3% |
| Jan 26, 2026 | Initiated | RRothschild & Co Redburn | Neutral | $29 | -12.3% |
Peers
Mkt capInsider trading
latest 14 of 100| Insider | Relationship | Date | Transaction | Cost | Shares | Value | Total held | Form |
|---|---|---|---|---|---|---|---|---|
| DST Global Advisors Ltd | 10% Owner | Nov 06 '26 | Sale | 31.13 | 1,319,027 | 41,058,896 | 324,365 | Nov 09 09:43 PM |
| DST Global Advisors Ltd | 10% Owner | Nov 05 '26 | Sale | 32.10 | 10,740 | 344,711 | 336,698 | Nov 09 09:43 PM |
| DST Global Advisors Ltd | 10% Owner | Nov 06 '26 | Sale | 31.13 | 1,319,027 | 41,058,896 | 324,365 | Nov 09 09:42 PM |
| DST Global Advisors Ltd | 10% Owner | Nov 05 '26 | Sale | 32.10 | 10,740 | 344,711 | 336,698 | Nov 09 09:42 PM |
| King Ryan A | Co-Founder | Nov 05 '26 | Sale | 31.32 | 63,382 | 1,985,070 | 37,812 | Nov 06 05:08 PM |
| King Ryan A | Co-Founder | Oct 20 '26 | Sale | 31.03 | 11,318 | 351,162 | 37,812 | Oct 22 04:36 PM |
| King Ryan A | Co-Founder | Oct 09 '26 | Sale | 29.40 | 50,000 | 1,469,770 | 0 | Oct 13 05:38 PM |
| King Ryan A | Co-Founder | Oct 13 '26 | Sale | 31.00 | 300 | 9,300 | 0 | Oct 13 05:38 PM |
| KING FAMILY TRUST | Director | Oct 13 '26 | Proposed Sale | 30.45 | 75,000 | 2,283,750 | Oct 13 04:29 PM | |
| KING FAMILY TRUST | Director | Oct 09 '26 | Proposed Sale | 28.96 | 50,000 | 1,448,000 | Oct 09 04:42 PM | |
| DST Global Advisors Ltd | 10% Owner | Sep 14 '26 | Sale | 33.99 | 3,216,189 | 109,309,929 | 336,798 | Sep 16 08:27 PM |
| DST Global Advisors Ltd | 10% Owner | Sep 14 '26 | Sale | 33.99 | 3,216,189 | 109,309,929 | 336,798 | Sep 16 08:21 PM |
| Feuille James | Director | Sep 16 '26 | Sale | 32.33 | 256,837 | 8,304,497 | 0 | Sep 16 06:55 PM |
| Feuille James | Director | Sep 14 '26 | Sale | 34.09 | 95,400 | 3,251,883 | 6,751,507 | Sep 16 06:55 PM |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| VTI | Vanguard Morningstar Total Stock Market ETF | AUM: 687.42B |
| VB | Vanguard Morningstar Small-Cap ETF | AUM: 79.59B |
| VBK | Vanguard Morningstar Small-Cap Growth ETF | AUM: 22.34B |
| VXF | Vanguard Extended Market Index ETF | AUM: 30.47B |
| FMDE | Fidelity Enhanced Mid Cap Core ETF | AUM: 8.83B |
| SCHA | Schwab U.S. Small-Cap ETF | AUM: 22.25B |
| IWR | iShares Russell Mid-Cap ETF | AUM: 58.68B |
| DFAS | U.S. Small Cap Portfolio-ETF Class Shares | AUM: 15.51B |
| FELG | Fidelity Enhanced Large Cap Growth ETF | AUM: 5.28B |
| SCHM | Schwab U.S. Mid-Cap ETF | AUM: 15.01B |
News
latest 14 of 200- John Cena and Chime Make the Holidays the Most Rewarding Time of the Year with New Campaign (Business Wire)
- Chime Matches The Whisper As Revenue Growth Accelerates To 32% And Guidance Rises A Fourth Straight Time (Earnings Whispers) +5.92%
- Chime Reports Third Quarter 2026 Financial Results (Business Wire)
- Evercore ISI Names Fintech Stock a Top Pick Ahead of Earnings, Sees 47% Upside (Investing.com)
- Chime Expands Partnership with Workday, Bringing Easier Access to Banking and Financial Wellness Benefits to Millions of Employees (Business Wire)
- Chime's Stride Bank Deal Lifts The Bar As Prime And Instant Loans Face A Proof Quarter (Earnings Whispers)
- Chime to Participate in KBW Fintech Ecosystem Conference (Business Wire)
- Chime to Announce Third Quarter 2026 Financial Results on November 4, 2026 (Business Wire)
- Palantir upgraded, Xerox downgraded: Wall Street's top analyst calls (The Fly)
- Top Bank Names 6 Stocks With Major Catalysts Ahead (GuruFocus.com)
- Chime Opens New Office in New York City (Business Wire) -7.02%
- Chime COO: AI Took 25 Minutes to Fix a Problem a Human Could Solve in 10 Seconds (WSJ)
- Chime Wins Price-Target Hikes On Stride Deal And Raised Guidance, But Shares Slash Early Gains (Investor's Business Daily) +6.93%
- Uber initiated, Thermo Fisher upgraded: Wall Street's top analyst calls (The Fly)
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-11-04 | 0.110 | 0.097 | 0.110 | 718 | 704.74 | 18 |
| 2026Q2 | 2026-08-05 | 0.070 | 0.001 | 0.071 | 669.77 | 641.26 | 15 |
| 2026Q1 | 2026-05-06 | 0.130 | 0.034 | 0.134 | 647.39 | 635.72 | 13 |
| 2025Q4 | 2026-02-25 | -0.120 | -0.178 | -0.118 | 596.36 | 577 | 10 |
| 2025Q3 | 2025-11-05 | -0.150 | -0.243 | -0.146 | 543.52 | 531.28 | 8 |
| 2025Q2 | 2025-08-07 | -7.290 | -7.405 | -2.490 | 528.15 | 502.79 | 4 |
| 2025Q1 | 2025-05-28 | 0.199 | - | 0.000 | 518.78 | - | - |
| 2026Q4 | - | - | 0.195 | - | - | 764.06 | 18 |
| 2027Q1 | - | - | 0.236 | - | - | 816.32 | 15 |
| 2027Q2 | - | - | 0.219 | - | - | 833.83 | 15 |
| 2027Q3 | - | - | 0.271 | - | - | 875.63 | 15 |
| 2027Q4 | - | - | 0.330 | - | - | 926.8 | 15 |
| 2028Q1 | - | - | 0.384 | - | - | 980.46 | 9 |
| 2028Q2 | - | - | 0.353 | - | - | 998.27 | 9 |
| 2028Q3 | - | - | 0.404 | - | - | 1,038 | 9 |
| 2028Q4 | - | - | 0.482 | - | - | 1,097 | 9 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2025FY | -4.270 | -4.573 | -4.270 | 2,187 | 2,167 |
| 2026FY | - | 0.505 | - | - | 2,800 |
| 2027FY | - | 1.050 | - | - | 3,464 |
| 2028FY | - | 1.569 | - | - | 4,143 |
| 2029FY | - | 2.321 | - | - | 5,114 |
| 2030FY | - | 3.390 | - | - | - |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-11-06 | 21 | 21 | 0 | 764.06 | 745 | 772.82 |
| 2026Q4 | S | 2026-11-05 | 21 | 20 | 0 | 763.05 | 742.77 | 772.82 |
| 2026Q4 | S | 2026-11-04 | 19 | 12 | 0 | 748.13 | 740.92 | 762.34 |
| 2026Q4 | S | 2026-10-27 | 19 | 12 | 0 | 748.13 | 740.92 | 762.34 |
| 2026Q4 | S | 2026-10-24 | 19 | 11 | 0 | 747.65 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-23 | 19 | 12 | 0 | 747.65 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-22 | 18 | 12 | 0 | 747.22 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-21 | 18 | 12 | 0 | 747.22 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-20 | 18 | 13 | 0 | 747.22 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-15 | 18 | 16 | 0 | 747.22 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-14 | 18 | 16 | 0 | 747.22 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-07 | 18 | 16 | 0 | 747.19 | 733 | 762.34 |
| 2026Q4 | S | 2026-10-06 | 18 | 15 | 0 | 746.75 | 733 | 762.34 |
| 2026Q4 | S | 2026-09-30 | 18 | 15 | 0 | 746.75 | 733 | 762.34 |
Estimate history
| EPS, annual | -1.29 | -0.558 | -0.07 | -2.658 | 0.1957 | ||||
|---|---|---|---|---|---|---|---|---|---|
| Period | 2022 | 2023 | 2024 | 2025 | TTM | ||||
| EPS, quarterly | -0.06 | -0.054 | 0 | -2.49 | -0.146 | -0.118 | 0.134 | 0.071 | 0.109 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Sales, annual | 1008.838 | 1278.455 | 1597.069 | 1962.299 | 2346.41 | ||||
| Period | 2022 | 2023 | 2024 | 2025 | TTM | ||||
| Sales, quarterly | 421.871 | 475.212 | 479.844 | 521.649 | 488.819 | 596.358 | 568.797 | 576.974 | 604.28 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
| Shares, annual | 364.422 | 364.422 | 364.422 | 379.933 | 383.3 | ||||
| Period | 2022 | 2023 | 2024 | 2025 | MRQ | ||||
| Shares, quarterly | 364.422 | 364.422 | 364.422 | 370.777 | 374.418 | 379.933 | 382.604 | 378.672 | 383.3 |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|---|
| Total Revenue | 2,346.41 | 1,962.30 | 1,597.07 | 1,278.45 | 1,008.84 |
| Total Expenses | 2,265.80 | 2,969.71 | 1,657.97 | 1,506.74 | 1,454.89 |
| Operating Income | 80.60 | -1,007.41 | -60.90 | -228.28 | -446.05 |
| Unusual Expense | 32.56 | 32.56 | 1.30 | 7.50 | 36.93 |
| Net Income Before Taxes | 81.22 | -1,009.11 | -22.73 | -202.97 | -470.59 |
| Income Taxes | 0.96 | 0.83 | 2.61 | 0.23 | -0.34 |
| Consolidated Net Income | 80.25 | -1,009.94 | -25.34 | -203.20 | -470.25 |
| Net Income From Continuing Operations | 80.25 | -1,009.94 | -25.34 | -203.20 | -470.25 |
| Net Income | 80.25 | -1,009.94 | -25.34 | -203.20 | -470.25 |
| EPS (Recurring) | 0.26 | -2.60 | -0.07 | -0.54 | -1.22 |
| EPS (Basic, Before Extraordinaries) | 0.21 | -2.66 | -0.07 | -0.56 | -1.29 |
| EPS (Diluted) | 0.20 | -2.66 | -0.07 | -0.56 | -1.29 |
| Non-Operating Income (Expense) | 33.18 | 30.87 | 39.47 | 32.82 | 12.39 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 214.56 | 846.01 | 23.58 | 20.57 | 22.40 |
| Price To Earnings Ratio | 169.03 | 169.03 | - | - | - |
| Price To Sales Ratio | 4.54 | 4.87 | - | - | - |
| Gross Margin | 87.32 | 85.78 | 86.08 | 81.90 | 78.00 |
| Operating Margin | 3.44 | -51.34 | -3.81 | -17.86 | -44.21 |
| Net Margin | 3.42 | -51.47 | -1.59 | -15.89 | -46.61 |
| Shares Outstanding | 383.30 | 379.93 | 364.42 | 364.42 | 364.42 |
| Market Capitalization | 12,485.75 | 12,485.75 | 9,862.64 | - | - |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | 604.28 | 576.97 | 568.80 | 596.36 | 488.82 | 521.65 | 479.84 | 475.21 |
| Total Expenses | 569.96 | 555.65 | 522.63 | 617.56 | 553.53 | 1,452.29 | 470.71 | 502.36 |
| Operating Income | 34.32 | 21.32 | 46.16 | -21.20 | -64.71 | -930.64 | 9.14 | -27.15 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 32.56 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income Before Taxes | 43.97 | 28.06 | 53.91 | -44.73 | -54.44 | -924.42 | 14.49 | -18.91 |
| Income Taxes | 0.25 | 0.21 | 0.46 | 0.05 | 0.28 | -1.05 | 1.55 | 0.69 |
| Consolidated Net Income | 43.72 | 27.85 | 53.46 | -44.78 | -54.72 | -923.38 | 0.00 | -19.61 |
| Net Income From Continuing Operations | 43.72 | 27.85 | 53.46 | -44.78 | -54.72 | -923.38 | 0.00 | -19.61 |
| Net Income | 43.72 | 27.85 | 53.46 | -44.78 | -54.72 | -923.38 | 0.00 | -19.61 |
| EPS (Recurring) | 0.11 | 0.07 | 0.13 | -0.06 | -0.15 | -2.49 | 0.00 | -0.05 |
| EPS (Basic, Before Extraordinaries) | 0.11 | 0.07 | 0.14 | -0.12 | -0.15 | -2.49 | 0.00 | -0.05 |
| EPS (Diluted) | 0.11 | 0.07 | 0.13 | -0.12 | -0.15 | -2.49 | 0.00 | -0.05 |
| Non-Operating Income (Expense) | 9.65 | 6.74 | 7.75 | 9.04 | 10.27 | 6.21 | 5.35 | 8.23 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -12.94 | 0.00 |
| Stock Option Compensation Expense | 58.65 | 54.83 | 47.92 | 53.17 | 67.90 | 0.72 | 6.87 | 6.41 |
| Price To Earnings Ratio | 169.03 | - | - | - | - | - | - | - |
| Price To Sales Ratio | 4.54 | 3.61 | 3.45 | 4.58 | 3.84 | 6.74 | - | - |
| Gross Margin | 87.31 | 86.27 | 87.47 | 88.20 | 84.99 | 86.39 | 86.62 | 87.41 |
| Operating Margin | 5.68 | 3.70 | 8.12 | -3.56 | -13.24 | -178.40 | 1.90 | -5.71 |
| Net Margin | 7.24 | 4.83 | 9.40 | -7.51 | -11.19 | -177.01 | 0.00 | -4.13 |
| Shares Outstanding | 383.30 | 378.67 | 382.60 | 379.93 | 374.42 | 370.78 | 364.42 | 364.42 |
| Market Capitalization | 12,485.75 | 7,803.27 | 7,195.13 | 9,428.13 | 7,497.41 | 12,576.20 | 12,047.79 | - |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|
| Cash & Short Term Investments | 1,068.59 | 718.89 | 800.63 | - |
| Short Term Receivables | 257.88 | 216.16 | 176.55 | - |
| Investment Securities | 0.00 | 0.00 | 0.00 | - |
| Securities In Custody | 0.00 | 0.00 | 0.00 | - |
| Investments | 0.00 | 0.00 | 0.00 | - |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | - |
| Net Property, Plant & Equipment | 177.75 | 142.03 | 157.50 | - |
| Other Intangible Assets | 460.38 | 383.95 | 185.58 | - |
| Total Assets | 1,964.61 | 1,461.04 | 1,320.25 | - |
| Total Debt | 134.66 | 96.34 | 104.89 | - |
| Long Term Debt | 123.28 | 80.59 | 92.93 | - |
| Provision for Risks Charges | 10.50 | 7.76 | 4.38 | - |
| Other Liabilities | 417.74 | 397.42 | 274.46 | - |
| Total Liabilities | 562.90 | 501.52 | 383.74 | - |
| Preferred Stock - Carrying Value | 0.00 | 2,890.12 | 2,890.12 | - |
| Common Equity | 1,401.71 | -1,930.60 | -1,953.61 | - |
| Total Shareholders Equity | 1,401.71 | 959.52 | 936.51 | - |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | - |
| Total Equity | 1,401.71 | 959.52 | 936.51 | - |
| Total Liabilities & Stockholders Equity | 1,964.61 | 1,461.04 | 1,320.25 | - |
| Book Value Per Share | 3.69 | -5.30 | -5.36 | - |
| Tangible Book Value Per Share | 3.62 | -5.39 | -5.36 | - |
| Full-Time Employees | 1,519 | 1,442 | - | - |
| Price to Book Ratio | 8.22 | 6.83 | - | - |
| Return on Assets | -58.96 | -1.82 | - | - |
| Return on Equity | -85.54 | -2.67 | - | - |
| Return on Invested Capital | -66.23 | -2.44 | -19.74 | - |
| Quick Ratio | 4.53 | 3.43 | 4.03 | - |
| Current Ratio | 4.53 | 3.43 | 4.03 | - |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY |
|---|---|---|---|---|---|
| Funds from Operations | 448.29 | 285.96 | 168.37 | -20.70 | -275.20 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | 4.38 | -234.32 | -104.23 | -136.73 | -158.94 |
| Cash from Operating Activities | 452.67 | 51.65 | 64.14 | -157.42 | -434.13 |
| Capital Expenditures | -37.46 | -28.72 | -14.47 | -27.82 | -72.91 |
| Net Assets From Acquisitions | 0.00 | 0.00 | -13.34 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | 84.00 | -213.75 | 203.91 | 194.83 | 223.45 |
| Purchase of Investments | -435.80 | -734.96 | -497.58 | -610.67 | -426.70 |
| Sale Or Maturity of Investments | 519.80 | 521.21 | 701.49 | 805.50 | 650.16 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -1.45 | -289.69 | 45.66 | 167.01 | 150.54 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | -247.39 | 718.21 | 0.46 | 1.67 | 1.02 |
| Repurchase of Common Pref Stock | -299.61 | -77.54 | -0.95 | -0.06 | -0.51 |
| Sale of Common Pref Stock | 52.22 | 795.75 | 1.41 | 1.73 | 1.53 |
| Proceedsfrom Stock Options | 7.63 | 770.59 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | 50.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | - | - | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | - | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | -7.01 | -349.41 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | -7.01 | -349.41 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | -154.40 | 368.80 | 0.46 | 1.67 | 1.02 |
| Net Change in Cash | 296.82 | 130.76 | 110.25 | 11.26 | -282.57 |
| Free Cash Flow | 415.21 | 22.93 | 49.67 | -185.24 | -507.05 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 25.67 | 417.12 | - | - | - |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1,301.84 | 1,128.44 | 1,025.79 | 1,068.59 | 1,092.44 | 1,106.86 |
| Short Term Receivables | 320.00 | 287.77 | 294.34 | 257.88 | 237.65 | 229.59 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 171.86 | 176.29 | 175.71 | 177.75 | 172.13 | 134.68 |
| Other Intangible Assets | 413.73 | 404.14 | 454.54 | 460.38 | 460.09 | 431.34 |
| Total Assets | 2,207.43 | 1,996.65 | 1,950.38 | 1,964.61 | 1,962.31 | 1,902.47 |
| Total Debt | 129.10 | 130.88 | 132.74 | 134.66 | 137.76 | 87.86 |
| Long Term Debt | 115.12 | 117.85 | 120.61 | 123.28 | 125.84 | 74.77 |
| Provision for Risks Charges | 15.86 | 19.02 | 14.82 | 10.50 | 10.91 | 9.92 |
| Other Liabilities | 520.30 | 441.93 | 361.39 | 417.74 | 370.36 | 376.59 |
| Total Liabilities | 665.27 | 591.83 | 508.94 | 562.90 | 519.04 | 474.38 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 1,542.16 | 1,404.82 | 1,441.44 | 1,401.71 | 1,443.27 | 1,428.10 |
| Total Shareholders Equity | 1,542.16 | 1,404.82 | 1,441.44 | 1,401.71 | 1,443.27 | 1,428.10 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 1,542.16 | 1,404.82 | 1,441.44 | 1,401.71 | 1,443.27 | 1,428.10 |
| Total Liabilities & Stockholders Equity | 2,207.43 | 1,996.65 | 1,950.38 | 1,964.61 | 1,962.31 | 1,902.47 |
| Book Value Per Share | 4.02 | 3.71 | 3.77 | 3.69 | 3.85 | 3.85 |
| Tangible Book Value Per Share | 3.95 | 3.64 | 3.70 | 3.62 | 3.78 | 3.78 |
| Full-Time Employees | - | - | - | 1,519 | - | - |
| Price to Book Ratio | 8.22 | 5.44 | 5.08 | 6.53 | 5.24 | -6.59 |
| Return on Assets | 3.85 | -0.93 | -57.25 | -59.72 | - | - |
| Return on Equity | 5.38 | -1.28 | -80.00 | -86.64 | - | - |
| Return on Invested Capital | 2.64 | 1.83 | 3.42 | -2.94 | -3.49 | -61.44 |
| Quick Ratio | 4.80 | 4.62 | 5.07 | 4.53 | 4.94 | 4.83 |
| Current Ratio | 4.80 | 4.62 | 5.07 | 4.53 | 4.94 | 4.83 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Funds from Operations | 130.69 | 120.37 | 135.24 | 61.99 | 71.24 | 54.06 |
| Extraordinary Item | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | -4.63 | 86.20 | -47.76 | -29.44 | -53.76 | -25.86 |
| Cash from Operating Activities | 126.07 | 206.57 | 87.48 | 32.55 | 17.48 | 28.20 |
| Capital Expenditures | -5.08 | -9.94 | -7.45 | -14.99 | -3.71 | -5.23 |
| Net Assets From Acquisitions | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase or Sale of Investments | -20.48 | -125.64 | 182.30 | 47.82 | -407.23 | 111.97 |
| Purchase of Investments | -130.48 | -235.64 | 0.00 | -69.68 | -431.23 | -195.55 |
| Sale Or Maturity of Investments | 110.00 | 110.00 | 182.30 | 117.50 | 24.00 | 307.51 |
| Other Uses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | -41.62 | -141.94 | 127.31 | 54.80 | -423.61 | 72.42 |
| Cash Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Preferred Dividends (Cash Flow) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | 22.68 | -134.30 | -71.82 | -63.96 | 8.48 | 772.97 |
| Repurchase of Common Pref Stock | 0.00 | -136.33 | -85.74 | -77.54 | 0.00 | 0.00 |
| Sale of Common Pref Stock | 22.68 | 2.04 | 13.92 | 13.58 | 8.48 | 772.97 |
| Proceedsfrom Stock Options | 8.28 | 0.00 | 0.00 | -0.65 | -1.32 | 772.56 |
| Issuance or Reduction of Debt, Net | 50.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Long Term Debt | 50.00 | - | - | - | - | - |
| Issuance of Long Term Debt | 50.00 | - | - | - | - | - |
| Net Financing Active Other Cash Flow | -2.67 | -1.47 | -1.54 | -1.33 | -25.45 | -322.62 |
| Other Financing Activities Uses | -2.67 | -1.47 | -1.54 | -1.33 | -25.45 | -322.62 |
| Cash from Financing Activities | 70.01 | -85.76 | -73.36 | -65.29 | -16.97 | 450.35 |
| Net Change in Cash | 154.46 | -21.13 | 141.43 | 22.06 | -423.10 | 550.98 |
| Free Cash Flow | 120.99 | 196.63 | 80.03 | 17.57 | 13.77 | 22.97 |
| Price to Free Cash Flow | 25.67 | 26.16 | 55.84 | 417.12 | - | - |
Revenue breakdown
| Payments | 2024: 1.28B 2025: 1.50B |
|---|---|
| Platform-Related | 2024: 396.67M 2025: 686.21M |
| United States | 2024: 1.67B 2025: 2.19B |
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 12.99% | 23.8M | 183.4M | 6.95M |
| 2026-10-15 | 13.73% | 25.2M | 183.4M | 7.42M |
| 2026-09-30 | 14.13% | 25.9M | 183.5M | 7.49M |
| 2026-09-15 | 11.58% | 21.3M | 183.5M | 7.54M |
| 2026-08-31 | 11.89% | 21.3M | 179.5M | 6.84M |
| 2026-08-14 | 10.79% | 19.0M | 175.7M | 6.39M |
| 2026-07-31 | 13.83% | 23.1M | 166.8M | 5.57M |
| 2026-07-15 | 13.65% | 22.9M | 167.7M | 5.22M |
| 2026-06-30 | 11.39% | 19.1M | 167.7M | 4.99M |
| 2026-06-15 | 8.62% | 14.5M | 167.7M | 4.81M |
| 2026-05-29 | 8.13% | 13.6M | 167.7M | 4.87M |
| 2026-05-15 | 7.66% | 11.5M | 150.0M | 4.92M |
| 2026-04-30 | 5.82% | 9.5M | 164.0M | 4.24M |
| 2026-04-15 | 8.25% | 13.6M | 165.5M | 4.07M |
| 2026-03-31 | 8.37% | 13.8M | 165.5M | 4.13M |
| 2026-03-13 | 3.93% | 6.3M | 161.0M | 3.48M |
| 2026-02-27 | 4.33% | 7.0M | 161.0M | 3.52M |
| 2026-02-13 | 5.80% | 9.4M | 162.0M | 3.43M |
| 2026-01-30 | 5.00% | 9.3M | 185.5M | 3.96M |
| 2026-01-15 | 4.83% | 9.0M | 185.5M | 3.97M |
Option chain
expiry 2026-11-20| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| call | 17.50 | 14.60 | 16.30 | 12.05 | 3.420 | 1.00 | 0.00 | 0.979 | -0.034 | 0.003 |
| call | 20.00 | 12.10 | 13.60 | 8.45 | 2.569 | 2.00 | 0.00 | 0.974 | -0.033 | 0.003 |
| call | 22.50 | 9.60 | 11.30 | 6.85 | 2.309 | 3.00 | 0.00 | 0.968 | -0.032 | 0.004 |
| call | 25.00 | 7.10 | 8.80 | 4.50 | 1.831 | 9.00 | 0.00 | 0.959 | -0.031 | 0.005 |
| call | 27.50 | 4.80 | 6.00 | 5.56 | 1.128 | 511 | 0.00 | 0.944 | -0.028 | 0.006 |
| call | 30.00 | 3.10 | 3.50 | 3.40 | 0.738 | 1,390 | 3.00 | 0.854 | -0.045 | 0.012 |
| call | 32.50 | 1.15 | 1.50 | 1.35 | 0.575 | 2,309 | 32.00 | 0.598 | -0.069 | 0.020 |
| call | 35.00 | 0.20 | 0.65 | 0.40 | 0.661 | 1,699 | 27.00 | 0.315 | -0.070 | 0.018 |
| call | 37.50 | 0.00 | 0.15 | 0.10 | 0.612 | 1,408 | 4.00 | 0.104 | -0.033 | 0.009 |
| call | 40.00 | 0.00 | 0.25 | 0.05 | 0.760 | 998 | 3.00 | 0.062 | -0.027 | 0.006 |
| call | 42.50 | 0.00 | 0.30 | 0.05 | 0.943 | 766 | 0.00 | 0.052 | -0.029 | 0.005 |
| call | 45.00 | 0.00 | 0.40 | 0.52 | 1.109 | 5.00 | 0.00 | 0.045 | -0.031 | 0.005 |
| call | 47.50 | 0.00 | 0.40 | 0.25 | 1.261 | 2.00 | 0.00 | 0.041 | -0.032 | 0.005 |
| call | 50.00 | 0.00 | 0.40 | 0.20 | 1.401 | 13.00 | 0.00 | 0.037 | -0.033 | 0.004 |
| put | 17.50 | 0.00 | 0.25 | 0.10 | 2.204 | 216 | 0.00 | -0.021 | -0.032 | 0.003 |
| put | 20.00 | 0.00 | 0.40 | 0.06 | 1.794 | 104 | 0.00 | -0.026 | -0.031 | 0.003 |
| put | 22.50 | 0.00 | 0.45 | 0.05 | 1.428 | 1,982 | 0.00 | -0.032 | -0.030 | 0.004 |
| put | 25.00 | 0.00 | 0.20 | 0.03 | 1.093 | 1,355 | 1.00 | -0.041 | -0.028 | 0.005 |
| put | 27.50 | 0.00 | 0.10 | 0.06 | 0.780 | 4,164 | 46.00 | -0.056 | -0.025 | 0.006 |
| put | 30.00 | 0.15 | 0.25 | 0.15 | 0.627 | 1,162 | 24.00 | -0.146 | -0.041 | 0.012 |
| put | 32.50 | 0.65 | 0.95 | 0.80 | 0.606 | 421 | 3.00 | -0.402 | -0.065 | 0.020 |
| put | 35.00 | 2.00 | 2.60 | 5.50 | 0.696 | 1,604 | 0.00 | -0.685 | -0.066 | 0.018 |
| put | 37.50 | 4.10 | 5.30 | 6.08 | 1.157 | 1.00 | 0.00 | -0.896 | -0.028 | 0.009 |
| put | 40.00 | 6.40 | 8.00 | 0.00 | 1.574 | 0.00 | 0.00 | -0.938 | -0.023 | 0.006 |
| put | 42.50 | 8.60 | 10.40 | 0.00 | 1.772 | 0.00 | 0.00 | -0.948 | -0.025 | 0.005 |
| put | 45.00 | 11.30 | 12.90 | 0.00 | 2.004 | 0.00 | 0.00 | -0.955 | -0.026 | 0.005 |
| put | 47.50 | 13.60 | 15.40 | 0.00 | 2.213 | 0.00 | 0.00 | -0.959 | -0.027 | 0.005 |
| put | 50.00 | 16.10 | 17.90 | 0.00 | 2.405 | 0.00 | 0.00 | -0.963 | -0.028 | 0.004 |
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-05 | SEC |
| 2026-11-09 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-05 | SEC |
| 2026-11-06 | 4 | Statement of changes in beneficial ownership of securities | 2026-11-05 | SEC |
| 2026-11-06 | SCHEDULE 13G/A | SEC | ||
| 2026-11-05 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-11-04 | 8-K | Current report | 2026-11-04 | SEC |
| 2026-10-22 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-20 | SEC |
| 2026-10-13 | 4 | Statement of changes in beneficial ownership of securities | 2026-10-09 | SEC |
| 2026-10-13 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-10-09 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-14 | SEC |
| 2026-09-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-14 | SEC |
| 2026-09-16 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-14 | SEC |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-13 | SEC |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-13 | SEC |
| 2026-09-15 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-15 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-15 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-15 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-14 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-14 | 144 | Filing for proposed sale of securities under Rule 144. | SEC | |
| 2026-09-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-11 | SEC |
| 2026-09-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-10 | SEC |
| 2026-09-14 | 4 | Statement of changes in beneficial ownership of securities | 2026-09-10 | SEC |
| 2026-09-11 | 144 | Filing for proposed sale of securities under Rule 144. | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 84.79M | 5 |
| 2026-10 | 0 | 0 | 1.83M | 3 |
| 2026-09 | 0 | 0 | 294.65M | 18 |
| 2026-08 | 0 | 0 | 867.59M | 32 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 106.50K | 2 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 779.67K | 1 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 1.82M | 4 |
| 2025-12 | 0 | 0 | 5.16M | 5 |
| 2025-11 | 0 | 0 | 1.70M | 2 |
Institutional holders
| Manager | % owned |
|---|---|
| Galileo | 13.72% |
| CROSSLINK CAPITAL INC | 6.87% |
| GENERAL ATLANTIC, L.P. | 5.58% |
| BlackRock, Inc. | 2.95% |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 2.68% |
| Aspect Management, LLC | 2.49% |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.42% |
| Menlo Ventures Management, L.P. | 2.23% |
| Forerunner Ventures Management, LLC | 2.11% |
| Capital Research Global Investors | 1.48% |
Funds
| Fund | % owned |
|---|---|
| VANGUARD TOTAL STOCK MARKET INDEX FUND | 2.18% |
| VANGUARD SMALL-CAP INDEX FUND | 1.58% |
| Growth Fund of America | 1.56% |
| VANGUARD SMALL-CAP GROWTH INDEX FUND | 0.91% |
| Patient Opportunity Trust | 0.71% |
| Small Cap Growth Fund | 0.50% |
| Spyglass Growth Fund | 0.48% |
| Davis Financial Fund | 0.32% |
| Oberweis Small-Cap Opportunities Fund | 0.29% |
| iShares Russell Mid-Cap ETF | 0.28% |
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