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SoFi Technologies vs Chime Financial: SOFI and CHYM compared
SoFi Technologies is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $718M for Chime Financial (Q3 2026). SoFi Technologies is growing faster (+44% against +32% a year earlier). SoFi Technologies is more profitable, with an operating margin of 22.9% against 4.8%.
Where the money goes: SOFI and CHYM
SoFi Technologies (SOFI) · Q3 2026
SoFi Technologies, Q3 2026: revenue $1.4B (+44% year over year), operating margin 22.9%, net earnings $241M, operating cash flow −$3.0B. 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.
| SoFi Technologies (SOFI) | Chime Financial (CHYM) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $1.4B | $718M |
| Revenue growth, Y/Y | +44% | +32% |
| Gross margin | — | 90.0% |
| Operating margin | 22.9% | 4.8% |
| Net earnings | $241M | $43.7M |
| Net margin | 17.4% | 6.1% |
| Operating cash flow | −$3.0B | $126M |
| Free cash flow | — | $121M |
| Market value | $22.0B | $12.5B |
| P/E | 29.7× | 156.2× |
| Analysts’ mean target | $20.84 | $40.86 |
Where the revenue comes from
Chime Financial
- Payments revenue: $444M (62%)
- Platform-related revenue: $274M (38%)
Questions
Which is bigger, SoFi Technologies or Chime Financial?
SoFi Technologies is the larger company: $1.4B of revenue in its latest quarter (Q3 2026) against $718M for Chime Financial (Q3 2026).
Is SoFi Technologies or Chime Financial growing faster?
SoFi Technologies is growing faster (+44% against +32% a year earlier).
Which is more profitable, SoFi Technologies or Chime Financial?
SoFi Technologies is more profitable, with an operating margin of 22.9% against 4.8%.
More: SoFi Technologies earnings · how SoFi Technologies 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 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.