CHYM
Chime Financial, Inc. Class A Common Stock
There isn't enough reported data to score CHYM yet.
IREN
IREN Limited
There isn't enough reported data to score IREN yet.
CHYM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Under pressure | |
| N/A | |
| N/A |
CHYM's revenue is currently healthy, but its profitability is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHYM.
IREN Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Weak | |
| N/A | |
| N/A |
IREN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like IREN.
CHYM PE Valuation
CHYM has no meaningful PE right now: it lost money over the past year. If it returns to profit as analysts expect, today's price would be 36x next year's earnings.
IREN PE Valuation
IREN has no meaningful PE right now: it lost money over the past year.
CHYM Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Returning to profit | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CHYM has the edge over IREN on the outlook, with more favorable earnings expectations.
IREN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect IREN's losses to grow, with revenue growing. However, they disagree widely on these estimates.
CHYM Earnings Per Share
CHYM and IREN do not have enough comparable growth data to identify a winner.
IREN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.96 | -347% |
| Q2 2026 | -$2.22 | -988% |
| Q1 2026 | $0.51 | +$1.10 |
| Q4 2025 | $1.18 | +$1.62 |
| Q3 2025 | $1.60 | +$1.99 |
| Q2 2025 | $0.25 | +$0.45 |
| Q1 2025 | -$0.59 | -$0.43 |
| Q4 2024 | -$0.44 | -$0.15 |
IREN has swung to a loss: it lost $3.96 per share over the past year, after a profit the year before.
CHYM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $718M | +32% |
| Q2 2026 | $669.8M | +27% |
| Q1 2026 | $647.4M | +25% |
| Q4 2025 | $596.4M | +25% |
| Q3 2025 | $543.5M | +29% |
| Q2 2025 | $528.1M | +37% |
| Q1 2025 | $518.7M | +32% |
| Q4 2024 | $475.2M | +41% |
CHYM's revenue has grown year over year every quarter since late 2024: $718M last quarter, up 32% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 4.8% | +17 points |
| Q2 2026 | 3.2% | +179 points |
| Q1 2026 | 7.1% | +5.4 points |
| Q4 2025 | -9% | -3.3 points |
| Q3 2025 | -12% | -4.7 points |
| Q2 2025 | -176% | -174 points |
| Q1 2025 | 1.8% | +0.5 points |
| Q4 2024 | -5.7% | +4.9 points |
CHYM has the edge over IREN on profitability, with a higher operating margin.
IREN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $228M | -5.1% |
| Q2 2026 | $137.2M | -27% |
| Q1 2026 | $144.8M | 0% |
| Q4 2025 | $184.7M | +59% |
| Q3 2025 | $240.3M | +355% |
| Q2 2025 | $187.3M | +230% |
| Q1 2025 | $144.8M | +168% |
| Q4 2024 | $116.1M | +176% |
IREN's revenue has held roughly level: $228M last quarter, down 5.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -82% | -50 points |
| Q2 2026 | -452% | -461 points |
| Q1 2026 | -161% | -180 points |
| Q4 2025 | -63% | -79 points |
| Q3 2025 | -32% | +57 points |
| Q2 2025 | 9% | +49 points |
| Q1 2025 | 19% | +8 points |
| Q4 2024 | 15% | +21 points |
IREN's operating margin was −82% last quarter, down 50 points from the same quarter a year ago.
CHYM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $121.3M | +687% |
| Q1 2026 | $80.9M | +$112.2M |
| Q1 2025 | -$31.4M | -145% |
CHYM's free cash flow was $418M over the past year, about eight times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like CHYM.
IREN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.6B | -$1.6B |
| Q2 2026 | $482.2M | +2895% |
| Q1 2026 | -$873.8M | -$523.1M |
| Q4 2025 | -$468M | -$334M |
| Q3 2025 | -$38M | +$349.4M |
| Q2 2025 | $16.1M | +$179M |
| Q1 2025 | -$350.7M | -$128.7M |
| Q4 2024 | -$134M | -$105.2M |
IREN's free cash flow was −$2.5B over the past year, against −$507M the year before. Free cash flow isn't a meaningful measure for financial services companies like IREN.
CHYM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +6.7M shares |
| 1 year | +216% | +273M shares |
CHYM has 400M diluted shares, up 216% from a year ago, despite $300M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $136.3M |
| Q1 2026 | $85.7M |
| Q4 2025 | $77.5M |
| Q3 2025 | — |
| Q1 2025 | — |
| Q2 2024 | $564,000 |
| Q1 2024 | $29,000 |
CHYM spent $300M buying back its own shares over the past year.
IREN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +26% | +82.4M shares |
| 1 year | +10% | +36.9M shares |
| 3 years | +511% | +333M shares |
| 5 years | +624% | +344M shares |
| Available history | +2346% | +382M shares |
IREN has the edge over CHYM on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
CHYM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -6.8x | Net Cash |
CHYM has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHYM.
IREN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2026 | 157.6x | High |
| Q4 2025 | 22.2x | High |
| Q3 2025 | 4.1x | High |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 3.3x | Elevated |
| Q4 2024 | -4.6x | Net Cash |
| Q3 2024 | -16.7x | Net Cash |
| Q2 2024 | -15.9x | Net Cash |
IREN's net debt is more than 20 years of its operating earnings (EBITDA), up from 3.3 years a year ago. Net leverage isn't a meaningful measure for financial services companies like IREN.
CHYM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.3 | Neutral |
| Stochastic | 62.5 | Neutral |
CHYM's weekly RSI is 62 (neutral) and its Stochastic is 63 (neutral).
IREN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.3 | Neutral |
| Stochastic | 8.2 | Oversold |
IREN's weekly RSI is 33 (neutral) and its Stochastic is 8 (oversold).
CHYM PE vs Financial Services Sector
CHYM has no meaningful PE right now: it lost money over the past year.
IREN PE vs Financial Services Sector
| Metric | IREN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
IREN has no meaningful PE right now: it lost money over the past year.
CHYM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.5 | 12% above |
| 20 week MA | $28.4 | 16% above |
| 50 week MA | $24.4 | 36% above |
CHYM has stronger trend alignment. CHYM is above 3 of 3 weekly averages versus IREN above 1 of 5.
IREN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 35% below |
| 20 week MA | $36.2 | 46% below |
| 50 week MA | $42.8 | 54% below |
| 100 week MA | $32.0 | 39% below |
| 200 week MA | $19.1 | 2.1% above |
IREN has fallen below most of its moving averages, though it's still 2.1% above its 200-week average.
CHYM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2025 | $34.8 | $26.5 | -24% |
| 2026 YTD | $26.5 | $33.0 | +25% |
CHYM has the edge over IREN on returns for 2026, with the stronger performance.
IREN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.8 | $17.2 | -31% |
| 2022 | $17.2 | $1.19 | -93% |
| 2023 | $1.19 | $7.15 | +501% |
| 2024 | $7.15 | $10.7 | +50% |
| 2025 | $10.7 | $40.3 | +276% |
| 2026 YTD | $40.3 | $19.5 | -52% |
IREN's yearly returns have swung widely, from +501% in 2023 to −93% in 2022. It's down 52% so far in 2026.