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Chime Financial vs Bakkt: CHYM and BKKT compared
Chime Financial is the larger company: $718M of revenue in its latest quarter (Q3 2026) against $578M for Bakkt (Q2 2025). Chime Financial is growing faster (+32% against +13% a year earlier). Chime Financial is more profitable, with an operating margin of 4.8% against -3.2%.
Where the money goes: CHYM and BKKT
Chime Financial (CHYM) · Q3 2026
Chime Financial, Q3 2026: revenue $718M (+32% year over year), operating margin 4.8%, net earnings $43.7M, operating cash flow $126M. The chart follows the revenue to costs, profit and cash.
Bakkt (BKKT) · Q2 2025
Bakkt, Q2 2025: revenue $578M (+13% year over year), operating margin -3.2%, net loss $30.2M, operating cash flow $5.4M. The chart follows the revenue to costs, profit and cash.
| Chime Financial (CHYM) | Bakkt (BKKT) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2025 |
| Revenue | $718M | $578M |
| Revenue growth, Y/Y | +32% | +13% |
| Gross margin | 90.0% | — |
| Operating margin | 4.8% | -3.2% |
| Net earnings | $43.7M | −$30.2M |
| Net margin | 6.1% | -5.2% |
| Operating cash flow | $126M | $5.4M |
| Free cash flow | $121M | $5.3M |
| Market value | $12.5B | $179M |
| P/E | 156.2× | — |
| Analysts’ mean target | $40.86 | $12.00 |
Where the revenue comes from
Chime Financial
- Payments revenue: $444M (62%)
- Platform-related revenue: $274M (38%)
Bakkt
- Transaction revenue: $574M (99%)
- Subscription and service revenue: $4.0M (1%)
Questions
Which is bigger, Chime Financial or Bakkt?
Chime Financial is the larger company: $718M of revenue in its latest quarter (Q3 2026) against $578M for Bakkt (Q2 2025).
Is Chime Financial or Bakkt growing faster?
Chime Financial is growing faster (+32% against +13% a year earlier).
Which is more profitable, Chime Financial or Bakkt?
Chime Financial is more profitable, with an operating margin of 4.8% against -3.2%.
More: Chime Financial earnings · how Chime Financial makes money · Bakkt earnings · how Bakkt makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Aug 11, 2025). Fiscal quarters can end on different dates. Not investment advice.