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Chime Financial vs Green DOT: CHYM and GDOT compared
Chime Financial is the larger company: $718M of revenue in its latest quarter (Q3 2026) against $596M for Green DOT (Q2 2026). Chime Financial is growing faster (+32% against +18% a year earlier). Chime Financial is more profitable, with an operating margin of 4.8% against -0.1%.
Where the money goes: CHYM and GDOT
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.
Green DOT (GDOT) · Q2 2026
Green DOT, Q2 2026: revenue $596M (+18% year over year), operating margin -0.1%, net loss $2.1M, operating cash flow $99.6M. The chart follows the revenue to costs, profit and cash.
| Chime Financial (CHYM) | Green DOT (GDOT) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $718M | $596M |
| Revenue growth, Y/Y | +32% | +18% |
| Gross margin | 90.0% | — |
| Operating margin | 4.8% | -0.1% |
| Net earnings | $43.7M | −$2.1M |
| Net margin | 6.1% | -0.4% |
| Operating cash flow | $126M | $99.6M |
| Free cash flow | $121M | $79.8M |
| Market value | $12.5B | $695M |
| P/E | 156.2× | — |
| Analysts’ mean target | $40.86 | $16.12 |
Where the revenue comes from
Chime Financial
- Payments revenue: $444M (62%)
- Platform-related revenue: $274M (38%)
Green DOT
- Card revenues and other fees: $477M (80%)
- Cash processing revenues: $53.3M (9%)
- Interchange revenues: $44.2M (7%)
- Other revenues: $21.5M (4%)
Questions
Which is bigger, Chime Financial or Green DOT?
Chime Financial is the larger company: $718M of revenue in its latest quarter (Q3 2026) against $596M for Green DOT (Q2 2026).
Is Chime Financial or Green DOT growing faster?
Chime Financial is growing faster (+32% against +18% a year earlier).
Which is more profitable, Chime Financial or Green DOT?
Chime Financial is more profitable, with an operating margin of 4.8% against -0.1%.
More: Chime Financial earnings · how Chime Financial makes money · Green DOT earnings · how Green DOT makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Aug 10, 2026). Fiscal quarters can end on different dates. Not investment advice.