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Circle Internet Group vs Chime Financial: CRCL and CHYM compared
Circle Internet Group is the larger company: $865M of revenue in its latest quarter (Q3 2026) against $718M for Chime Financial (Q3 2026). Chime Financial is growing faster (+32% against +17% a year earlier). Circle Internet Group is more profitable, with an operating margin of 24.1% against 4.8%.
Where the money goes: CRCL and CHYM
Circle Internet Group (CRCL) · Q3 2026
Circle Internet Group, Q3 2026: revenue $865M (+17% year over year), operating margin 24.1%, net earnings $226M, operating cash flow −$15.5M. The chart follows the revenue to costs, profit and cash.
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.
| Circle Internet Group (CRCL) | Chime Financial (CHYM) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $865M | $718M |
| Revenue growth, Y/Y | +17% | +32% |
| Gross margin | — | 90.0% |
| Operating margin | 24.1% | 4.8% |
| Net earnings | $226M | $43.7M |
| Net margin | 26.1% | 6.1% |
| Operating cash flow | −$15.5M | $126M |
| Free cash flow | — | $121M |
| Market value | $18.2B | $12.5B |
| P/E | 14.7× | 156.2× |
| Analysts’ mean target | $106.52 | $40.86 |
Where the revenue comes from
Circle Internet Group
- Other revenues: $658M (76%)
- Other: $182M (21%)
- Subscription and services: $19.6M (2%)
- Transaction revenue: $5.3M (1%)
Chime Financial
- Payments revenue: $444M (62%)
- Platform-related revenue: $274M (38%)
Questions
Which is bigger, Circle Internet Group or Chime Financial?
Circle Internet Group is the larger company: $865M of revenue in its latest quarter (Q3 2026) against $718M for Chime Financial (Q3 2026).
Is Circle Internet Group or Chime Financial growing faster?
Chime Financial is growing faster (+32% against +17% a year earlier).
Which is more profitable, Circle Internet Group or Chime Financial?
Circle Internet Group is more profitable, with an operating margin of 24.1% against 4.8%.
More: Circle Internet Group earnings · how Circle Internet Group makes money · Chime Financial earnings · how Chime Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.