Chime 金融 CHYM
$31.33 +$1.15 (+3.81%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $30.89 -1.40%
开盘$29.85
昨收$30.18
当日区间$29.04 – $32.08
成交量8.53M
市值$12.02B
市盈率（TTM）149.9
股息率–
基本面
最新报告季度：Q2, ended Jun 2026
营收$669.77M+26.8% YoY
营业利润$21.32M+102.3% YoY
净利润$27.85M+103.0% YoY
摊薄每股收益$0.07+101.0% YoY
自由现金流$197.54M+749.1% YoY
经营现金流$207.48M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
毛利率88.7%
营业利润率-2.1%
净利率-0.7%
净资产收益率-1.3%
资产收益率-0.9%
投入资本回报率-1.2%
流动比率4.62
负债/资产比率29.6%
现金及投资$1.06B
总负债$117.85M
净现金（净负债）$945.58M
自由现金流/营收12.6%
利润表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 报告营业总收入 | $669.77M | $647.39M | $2.19B | $596.36M | $543.52M |
| 营业总收入 | $669.77M | $647.39M | $2.19B | $596.36M | $543.52M |
| 营业成本 | $74.90M | $67.07M | $263.05M | $66.11M | $69.40M |
| 毛利润 | $594.87M | $580.31M | $1.92B | $530.25M | $474.12M |
| 营业费用 | $573.55M | $534.15M | $2.96B | $584.02M | $538.83M |
| 销售及管理费用 | $244.30M | $235.90M | $1.15B | $272.90M | $230.18M |
| -销售及营销费用 | $164.16M | $165.43M | $635.38M | $164.20M | $153.61M |
| -管理费用 | $80.14M | $70.47M | $512.11M | $108.70M | $76.58M |
| 研发费用 | $112.11M | $109.78M | $934.93M | $111.35M | $123.94M |
| 折旧、摊销与折耗 | $4.30M | $4.17M | $15.98M | $4.28M | $3.99M |
| -折旧与摊销 | $4.30M | $4.17M | $15.98M | $4.28M | $3.99M |
| 其他营业费用 | $212.84M | $184.30M | $865.30M | $195.49M | $180.71M |
| 营业利润 | $21.32M | $46.16M | -$1.04B | -$53.77M | -$64.71M |
| 其他收入（支出） | $6.74M | $7.75M | $30.87M | $9.04M | $10.27M |
| 其他非经营性收入（支出） | $6.74M | $7.75M | $30.87M | $9.04M | $10.27M |
| 税前利润 | $28.06M | $53.91M | -$1.01B | -$44.73M | -$54.44M |
| 税费 | $213,000.00 | $455,000.00 | $831,000.00 | $46,000.00 | $280,000.00 |
| 净利润 | $27.85M | $53.46M | -$1.01B | -$44.78M | -$54.72M |
| 持续经营利润 | $27.85M | $53.46M | -$1.01B | -$44.78M | -$54.72M |
| 归属母公司净利润 | $27.85M | $53.46M | -$1.01B | -$44.78M | -$54.72M |
| 归属普通股股东净利润 | $27.85M | $53.46M | -$1.01B | -$44.78M | -$54.72M |
| 基本每股收益 | $0.07 | $0.14 | -$4.27 | -$0.12 | -$0.15 |
| 摊薄每股收益 | $0.07 | $0.13 | -$4.27 | -$0.12 | -$0.15 |
资产负债表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 总资产 | $2.00B | $1.95B | $1.96B | $1.96B | $1.96B |
| 流动资产合计 | $1.79B | $1.74B | $1.76B | $1.76B | $1.76B |
| 现金及现金等价物与短期投资 | $1.06B | $1.01B | $1.05B | $1.05B | $1.08B |
| -现金及现金等价物 | $536.05M | $607.68M | $466.25M | $466.25M | $445.03M |
| -短期投资 | $527.38M | $403.61M | $587.83M | $587.83M | $633.74M |
| 应收款 | $385.17M | $400.15M | $329.47M | $329.47M | $346.65M |
| -应收账款 | $287.77M | $294.34M | $257.88M | $257.88M | $237.65M |
| -应收贷款 | $97.40M | $105.82M | $71.58M | $71.58M | $109.00M |
| 受限现金 | $269.84M | $245.99M | $265.71M | $265.71M | $242.63M |
| 其他流动资产 | $71.08M | $86.84M | $106.75M | $106.75M | $90.85M |
| 非流动资产合计 | $207.13M | $206.12M | $208.60M | $208.60M | $203.41M |
| 固定资产净值 | $176.29M | $175.71M | $177.75M | $177.75M | $172.13M |
| -固定资产原值 | $264.50M | $256.79M | $251.58M | $251.58M | $238.59M |
| -累计折旧 | -$88.21M | -$81.07M | -$73.83M | -$73.83M | -$66.45M |
| 商誉及其他无形资产 | $27.49M | – | – | – | $27.49M |
| -商誉 | $27.49M | – | – | – | $27.49M |
| 其他非流动资产 | $3.35M | $30.41M | $30.85M | $30.85M | $3.79M |
| 负债合计 | $591.83M | $508.94M | $562.90M | $562.90M | $519.04M |
| 流动负债合计 | $387.22M | $344.10M | $387.92M | $387.92M | $355.92M |
| 应付款 | $36.26M | $37.92M | $38.68M | $38.68M | $40.03M |
| -应付账款 | $36.26M | $37.92M | $38.68M | $38.68M | $40.03M |
| 一年内应计费用 | $123.17M | $108.52M | $91.93M | $91.93M | $89.32M |
| 短期债务及融资租赁负债 | $13.03M | $12.12M | $11.38M | $11.38M | $11.92M |
| -一年内到期融资租赁负债 | $13.03M | $12.12M | $11.38M | $11.38M | $11.92M |
| 其他流动负债 | $191.15M | $173.81M | $193.07M | $193.07M | $171.97M |
| 非流动负债合计 | $204.61M | $164.84M | $174.98M | $174.98M | $163.12M |
| 长期债务及融资租赁负债 | $117.85M | $120.61M | $123.28M | $123.28M | $125.84M |
| -长期融资租赁负债 | $117.85M | $120.61M | $123.28M | $123.28M | $125.84M |
| 其他非流动负债 | $86.76M | $44.23M | $51.69M | $51.69M | $37.28M |
| 股东权益合计 | $1.40B | $1.44B | $1.40B | $1.40B | $1.44B |
| 股东权益 | $1.40B | $1.44B | $1.40B | $1.40B | $1.44B |
| 股本 | $31,000.00 | $31,000.00 | $31,000.00 | $31,000.00 | $31,000.00 |
| -普通股 | $31,000.00 | $31,000.00 | $31,000.00 | $31,000.00 | $31,000.00 |
| -优先股 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| 资本公积 | $4.70B | $4.76B | $4.78B | $4.78B | $4.77B |
| 留存收益 | -$3.29B | -$3.32B | -$3.37B | -$3.37B | -$3.33B |
| 不影响留存收益的损益 | -$548,000.00 | -$947,000.00 | $172,000.00 | $172,000.00 | -$79,000.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $207.48M | $87.48M | $52.78M | $32.55M | $17.48M |
| 持续经营经营活动现金流净额 | $207.48M | $87.48M | $52.78M | $32.55M | $17.48M |
| 持续经营净利润 | $27.85M | $53.46M | -$1.01B | -$44.78M | -$54.72M |
| 折旧、折耗与摊销 | $7.56M | $7.67M | $30.00M | $7.82M | $7.51M |
| 其他非现金项目 | -$19.79M | -$23.23M | $54.91M | -$3.27M | $167,000.00 |
| 营运资金变动 | $86.21M | -$47.76M | -$234.32M | -$29.44M | -$53.76M |
| -应收款变动 | $6.51M | -$37.68M | -$42.96M | -$20.34M | -$8.28M |
| -预付资产变动 | $15.86M | $19.97M | -$23.62M | -$15.84M | -$6.35M |
| -应付账款及应计费用变动 | $120,000.00 | -$48.16M | -$74.60M | $19.19M | -$16.45M |
| -其他流动负债变动 | $37.06M | -$1.62M | -$23.66M | $9.80M | -$6.71M |
| -其他营运资金变动 | $26.65M | $19.73M | -$69.48M | -$22.25M | -$15.97M |
| 投资活动现金流净额 | -$141.94M | $127.31M | -$289.69M | $54.80M | -$423.61M |
| 持续经营投资活动现金流净额 | -$141.94M | $127.31M | -$289.69M | $54.80M | -$423.61M |
| 资本支出 | -$1,000.00 | -$831,000.00 | -$8.83M | -$787,000.00 | -$1.66M |
| 固定资产购置及出售净额 | -$9.94M | -$6.62M | -$19.89M | -$14.20M | -$2.06M |
| 投资购置及出售净额 | -$125.64M | $182.30M | -$213.75M | $47.82M | -$407.23M |
| 其他投资变动净额 | -$6.36M | -$47.54M | -$47.22M | $21.96M | -$12.66M |
| 筹资活动现金流 | -$86.67M | -$73.36M | $367.67M | -$65.29M | -$16.97M |
| 持续经营筹资活动现金流净额 | -$86.67M | -$73.36M | $367.67M | -$65.29M | -$16.97M |
| 普通股发行净额 | -$136.33M | -$85.74M | $693.05M | -$78.19M | -$1.32M |
| 股票期权行使所得 | $2.04M | $13.92M | $25.16M | $14.23M | $9.80M |
| 其他筹资费用净额 | -$2.37M | -$1.54M | -$350.54M | -$1.33M | -$25.45M |
| 期末现金余额 | $601.06M | $622.19M | $480.76M | $480.76M | $458.70M |
| 现金净变动 | -$21.13M | $141.43M | $130.76M | $22.06M | -$423.10M |
| 期初现金余额 | $622.19M | $480.76M | $350.00M | $458.70M | $881.80M |
| 自由现金流 | $197.54M | $80.03M | $24.06M | $17.57M | $13.77M |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | – |
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