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Chime Financial (CHYM) Financials

Chime Financial logo
$17.69 -0.19 (-1.06%)
Closing price 05/15/2026 04:00 PM Eastern
Extended Trading
$17.59 -0.10 (-0.58%)
As of 05/15/2026 07:56 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Chime Financial

Annual Income Statements for Chime Financial

This table shows Chime Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -203 -25 -1,010
Consolidated Net Income / (Loss)		 -203 -25 -1,010
Net Income / (Loss) Continuing Operations		 -203 -25 -1,010
Total Pre-Tax Income 		-203 -23 -1,009
Total Operating Income		 -236 -62 -1,040
Total Gross Profit		 1,059 1,466 1,924
Total Revenue		 1,278 1,673 2,187
Total Cost of Revenue		 220 208 263
Operating Cost of Revenue		 220 208 263
Total Operating Expenses		 1,295 1,528 2,964
Selling, General & Admin Expense		 155 177 512
Marketing Expense		 444 520 635
Research & Development Expense		 259 310 935
Depreciation Expense		 12 15 16
Other Operating Expenses / (Income)		 425 507 865
Total Other Income / (Expense), net		 33 39 31
Other Income / (Expense), net		 33 39 31
Income Tax Expense		 0.23 2.61 0.83
Basic Earnings per Share		 ($3.22) ($0.39) ($4.27)
Weighted Average Basic Shares Outstanding		 63.10M 64.91M 236.27M
Diluted Earnings per Share		 ($3.22) ($0.39) ($4.27)
Weighted Average Diluted Shares Outstanding		 63.10M 64.91M 236.27M
Weighted Average Basic & Diluted Shares Outstanding		 - - 384.10M

Quarterly Income Statements for Chime Financial

This table shows Chime Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 0.00 -22 0.00 -923 -55 53
Consolidated Net Income / (Loss)		 0.39 -22 13 -923 -55 53
Net Income / (Loss) Continuing Operations		 0.39 -22 13 -923 -55 53
Total Pre-Tax Income 		0.46 -20 14 -924 -54 54
Total Operating Income		 -9.44 -31 9.14 -931 -65 46
Total Gross Profit		 334 368 458 461 474 580
Total Revenue		 384 422 519 528 544 647
Total Cost of Revenue		 51 54 60 67 69 67
Operating Cost of Revenue		 51 54 60 67 69 67
Total Operating Expenses		 343 399 449 1,392 539 534
Selling, General & Admin Expense		 42 47 47 280 77 70
Marketing Expense		 118 143 133 185 154 165
Research & Development Expense		 75 80 78 622 124 110
Depreciation Expense		 3.30 3.62 3.81 3.90 3.99 4.17
Other Operating Expenses / (Income)		 105 125 188 301 181 184
Total Other Income / (Expense), net		 9.90 11 5.35 6.22 10 7.75
Other Income / (Expense), net		 9.90 11 5.35 6.22 10 7.75
Income Tax Expense		 0.08 2.20 1.55 -1.05 0.28 0.46
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.39 - 13 0.00 - 0.00
Basic Earnings per Share		 $0.00 ($0.34) $0.00 ($7.29) ($0.15) $0.14
Weighted Average Basic Shares Outstanding		 64.68M 65.15M 65.87M 126.62M 371.83M 381.64M
Diluted Earnings per Share		 $0.00 ($0.34) $0.00 ($7.29) ($0.15) $0.13
Weighted Average Diluted Shares Outstanding		 64.68M 65.15M 65.87M 126.62M 371.83M 400.48M
Weighted Average Basic & Diluted Shares Outstanding		 - - - 371.71M 374.58M 381.02M

Annual Cash Flow Statements for Chime Financial

This table details how cash moves in and out of Chime Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 11 110 131
Net Cash From Operating Activities		 -157 64 53
Net Cash From Continuing Operating Activities		 -157 64 53
Net Income / (Loss) Continuing Operations		 -203 -25 -1,010
Consolidated Net Income / (Loss)		 -203 -25 -1,010
Depreciation Expense		 13 25 30
Amortization Expense		 -15 -13 -5.13
Non-Cash Adjustments To Reconcile Net Income		 186 181 1,272
Changes in Operating Assets and Liabilities, net		 -138 -104 -234
Net Cash From Investing Activities		 167 46 -290
Net Cash From Continuing Investing Activities		 167 46 -290
Purchase of Property, Plant & Equipment		 -11 -4.81 -20
Acquisitions		 0.00 -13 0.00
Purchase of Investments		 -611 -2,358 -5,675
Sale and/or Maturity of Investments		 805 2,431 5,414
Other Investing Activities, net		 -17 -9.66 -8.83
Net Cash From Financing Activities		 0.84 0.46 368
Net Cash From Continuing Financing Activities		 0.84 0.46 368
Repayment of Debt		 -0.83 0.00 -1.13
Repurchase of Common Equity		 -0.06 -0.95 -78
Issuance of Common Equity		 0.00 0.00 771
Other Financing Activities, net		 1.73 1.41 -324
Cash Interest Paid		 0.05 0.47 0.33
Cash Income Taxes Paid		 0.28 2.18 1.13

Quarterly Cash Flow Statements for Chime Financial

This table details how cash moves in and out of Chime Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -25 69 -19 -423 22 141
Net Cash From Operating Activities		 -25 18 -26 17 33 87
Net Cash From Continuing Operating Activities		 -25 18 -26 17 33 87
Net Income / (Loss) Continuing Operations		 -22 -20 13 -55 -45 53
Consolidated Net Income / (Loss)		 -22 -20 13 -55 -45 53
Depreciation Expense		 6.90 7.12 7.26 7.51 7.82 7.67
Amortization Expense		 -2.62 -2.03 -1.63 -1.65 -1.12 -0.16
Non-Cash Adjustments To Reconcile Net Income		 44 65 81 116 112 71
Changes in Operating Assets and Liabilities, net		 -51 -33 -125 -49 -42 -45
Net Cash From Investing Activities		 0.39 50 6.70 -424 55 127
Net Cash From Continuing Investing Activities		 0.39 50 6.70 -424 55 127
Purchase of Property, Plant & Equipment		 -6.18 5.80 -1.59 -3.71 -6.15 -6.62
Purchase of Investments		 -752 -1,261 -1,178 -1,680 -1,393 -1,296
Sale and/or Maturity of Investments		 759 1,318 1,190 1,260 1,463 1,431
Other Investing Activities, net		 - - -3.20 - - -0.83
Net Cash From Financing Activities		 -0.05 0.50 -0.13 -17 -65 -73
Net Cash From Continuing Financing Activities		 -0.05 0.50 -0.13 -17 -65 -73
Repayment of Debt		 - - -0.84 - - 0.00
Repurchase of Common Equity		 -0.36 - 0.00 - -78 -86
Other Financing Activities, net		 0.31 0.50 0.72 -16 13 12
Cash Interest Paid		 0.12 0.12 0.17 0.27 -0.08 0.28
Cash Income Taxes Paid		 - 2.02 0.04 0.07 -0.01 0.04

Annual Balance Sheets for Chime Financial

This table presents Chime Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2025
Period end date 12/31/2024 12/31/2025
Total Assets		 1,461 1,965
Total Current Assets		 1,287 1,756
Cash & Equivalents		 338 466
Restricted Cash		 12 15
Short-Term Investments		 469 659
Accounts Receivable		 216 258
Prepaid Expenses		 70 107
Other Current Assets		 182 251
Plant, Property, & Equipment, net		 93 94
Total Noncurrent Assets		 81 114
Other Noncurrent Operating Assets		 81 114
Total Liabilities & Shareholders' Equity		 1,461 1,965
Total Liabilities		 502 563
Total Current Liabilities		 375 388
Accounts Payable		 36 39
Accrued Expenses		 225 202
Other Current Liabilities		 114 147
Total Noncurrent Liabilities		 127 175
Capital Lease Obligations		 81 123
Other Noncurrent Operating Liabilities		 46 52
Commitments & Contingencies		 0.00 0.00
Total Equity & Noncontrolling Interests		 -1,931 1,402
Total Preferred & Common Equity		 -1,931 1,402
Preferred Stock		 0.00 0.00
Total Common Equity		 -1,931 1,402
Common Stock		 433 4,776
Retained Earnings		 -2,364 -3,374
Accumulated Other Comprehensive Income / (Loss)		 0.20 0.17

Quarterly Balance Sheets for Chime Financial

This table presents Chime Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,902 1,962 1,950
Total Current Assets		 1,736 1,759 1,744
Cash & Equivalents		 868 445 608
Restricted Cash		 14 14 15
Short-Term Investments		 225 743 509
Accounts Receivable		 230 238 294
Prepaid Expenses		 73 91 87
Other Current Assets		 213 229 231
Plant, Property, & Equipment, net		 89 86 95
Total Noncurrent Assets		 77 117 111
Other Noncurrent Operating Assets		 77 117 111
Total Liabilities & Shareholders' Equity		 1,902 1,962 1,950
Total Liabilities		 474 519 509
Total Current Liabilities		 360 356 344
Accounts Payable		 52 40 38
Accrued Expenses		 169 182 185
Other Current Liabilities		 139 134 121
Total Noncurrent Liabilities		 115 163 165
Capital Lease Obligations		 - 126 121
Other Noncurrent Operating Liabilities		 115 37 44
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,428 1,443 1,441
Total Preferred & Common Equity		 1,428 1,443 1,441
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 1,428 1,443 1,441
Common Stock		 4,703 4,773 4,763
Retained Earnings		 -3,275 -3,329 -3,321
Accumulated Other Comprehensive Income / (Loss)		 -0.12 -0.08 -0.95

Annual Metrics And Ratios for Chime Financial

This table displays calculated financial ratios and metrics derived from Chime Financial's official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 374,577,986.00
DEI Adjusted Shares Outstanding		 0.00 0.00 374,577,986.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 -2.70
Growth Metrics		 - - -
Profitability Metrics		 - - -
Net Operating Profit after Tax (NOPAT)		 -165 -44 -728
Return On Investment Capital (ROIC_SIMPLE)		 - 2.35% -47.74%
Earnings before Interest and Taxes (EBIT)		 -203 -23 -1,009
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -205 -9.90 -984
Valuation Ratios		 - - -
Leverage & Solvency		 - - -
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -265 -891
Efficiency Ratios		 - - -
Capital & Investment Metrics		 - - -
Invested Capital		 0.00 221 385
Increase / (Decrease) in Invested Capital		 0.00 221 163
Book Value per Share		 $0.00 ($29.74) $3.74
Tangible Book Value per Share		 $0.00 ($29.74) $3.74
Total Capital		 0.00 1,040 1,525
Total Debt		 0.00 81 123
Total Long-Term Debt		 0.00 81 123
Net Debt		 0.00 -738 -1,017
Capital Expenditures (CapEx)		 11 4.81 20
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 94 228
Debt-free Net Working Capital (DFNWC)		 0.00 912 1,368
Net Working Capital (NWC)		 0.00 912 1,368
Net Nonoperating Expense (NNE)		 38 -18 282
Net Nonoperating Obligations (NNO)		 0.00 -738 -1,017
Total Depreciation and Amortization (D&A)		 -1.83 13 25
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 ($4.27)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 236.27M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 ($4.27)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 236.27M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 384.10M
Normalized Net Operating Profit after Tax (NOPAT)		 -165 -44 -728
Debt Service Ratios		 - - -
Payout Ratios		 - - -

Quarterly Metrics And Ratios for Chime Financial

This table displays calculated financial ratios and metrics derived from Chime Financial's official financial filings.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
DEI Shares Outstanding		 - - 0.00 - - 384,099,820.00
DEI Adjusted Shares Outstanding		 - - 0.00 - - 384,099,820.00
DEI Earnings Per Adjusted Shares Outstanding		 - - 0.00 - - 0.14
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 0.00% 0.00% 37.46% 28.84% 24.80%
EBITDA Growth		 0.00% 0.00% 0.00% -24,562.58% -212.33% 205.21%
EBIT Growth		 0.00% 0.00% 0.00% -199,759.40% -174.59% 272.03%
NOPAT Growth		 0.00% 0.00% 0.00% -8,198.15% -111.17% 461.06%
Net Income Growth		 0.00% 0.00% 0.00% -239,937.92% -148.44% 313.14%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 55.88% 0.00%
Operating Cash Flow Growth		 0.00% 0.00% 0.00% 0.00% 170.14% 439.71%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 0.00% 9.80% 0.00% 0.00% 2.91% 0.00%
EBITDA Q/Q Growth		 0.00% -513.29% 0.00% 0.00% 94.72% 0.00%
EBIT Q/Q Growth		 0.00% -4,382.29% 0.00% 0.00% 94.11% 0.00%
NOPAT Q/Q Growth		 0.00% -173.24% 0.00% 0.00% 93.05% 0.00%
Net Income Q/Q Growth		 0.00% -5,821.04% 0.00% 0.00% 94.07% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 97.94% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -241.25% 0.00% 0.00% 168.73%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 57.54% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 14.46% 0.00%
Profitability Metrics		 - - - - - -
Gross Margin		 86.86% 87.31% 88.35% 87.29% 87.23% 89.64%
EBITDA Margin		 0.98% -3.69% 3.88% -174.29% -8.94% 9.49%
Operating Margin		 -2.46% -7.26% 1.76% -176.21% -11.91% 7.13%
EBIT Margin		 0.12% -4.70% 2.79% -175.03% -10.02% 8.33%
Profit (Net Income) Margin		 0.10% -5.22% 2.49% -174.83% -10.07% 8.26%
Tax Burden Percent		 83.15% 111.09% 89.29% 99.89% 100.51% 99.16%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 16.85% 0.00% 10.71% 0.00% 0.00% 0.84%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 76.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 74.55%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% -52.28%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 23.78%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 9.89%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 9.80%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 23.78%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 -7.85 -21 8.16 -651 -45 46
NOPAT Margin		 -2.04% -5.08% 1.57% -123.35% -8.33% 7.07%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% -49.14% -1.75% 1.52%
Return On Investment Capital (ROIC_SIMPLE)		 - - - -45.62% -2.89% 2.93%
Cost of Revenue to Revenue		 13.14% 12.69% 11.65% 12.71% 12.77% 10.36%
SG&A Expenses to Revenue		 10.84% 11.06% 9.09% 52.95% 14.09% 10.88%
R&D to Revenue		 19.62% 19.06% 15.01% 117.72% 22.80% 16.96%
Operating Expenses to Revenue		 89.31% 94.58% 86.59% 263.50% 99.14% 82.51%
Earnings before Interest and Taxes (EBIT)		 0.46 -20 14 -924 -54 54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.76 -16 20 -921 -49 61
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 3.06 5.20 5.20
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 3.06 5.20 5.20
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 3.24
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 10.16 17.47 15.08
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 2.80
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 39.09
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.00 0.00 0.00 0.00 0.09 0.08
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.09 0.08
Financial Leverage		 0.00 0.00 0.00 -0.78 -0.75 -0.70
Leverage Ratio		 0.00 0.00 0.00 1.33 1.36 1.35
Compound Leverage Factor		 0.00 0.00 0.00 1.33 1.36 1.35
Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 8.02% 7.72%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 8.02% 7.72%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 0.00% 0.00% 100.00% 91.98% 92.28%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 -0.13
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 1.07
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 -0.13
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 -0.17
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 1.44
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 -0.17
Altman Z-Score		 0.00 0.00 0.00 0.00 0.00 8.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Current Ratio		 0.00 0.00 0.00 4.83 4.94 5.07
Quick Ratio		 0.00 0.00 0.00 4.00 4.00 4.10
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 0.00 -973 -413 -385
Operating Cash Flow to CapEx		 0.00% -403.43% -1,616.51% 0.00% 470.76% 1,321.24%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.00 1.19
Accounts Receivable Turnover		 0.00 0.00 0.00 0.00 0.00 7.87
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 24.47
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 7.11
Days Sales Outstanding (DSO)		 0.00 0.00 0.00 0.00 0.00 46.40
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 0.00 51.32
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00 0.00 -4.92
Capital & Investment Metrics		 - - - - - -
Invested Capital		 0.00 0.00 0.00 321 368 430
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.00 10.76
Increase / (Decrease) in Invested Capital		 0.00 0.00 0.00 321 368 430
Enterprise Value (EV)		 0.00 0.00 0.00 3,263 6,424 6,490
Market Capitalization		 864 864 864 4,370 7,500 7,501
Book Value per Share		 $0.00 $0.00 $0.00 $11.28 $3.88 $3.75
Tangible Book Value per Share		 $0.00 $0.00 $0.00 $11.28 $3.88 $3.75
Total Capital		 0.00 0.00 0.00 1,428 1,569 1,562
Total Debt		 0.00 0.00 0.00 0.00 126 121
Total Long-Term Debt		 0.00 0.00 0.00 0.00 126 121
Net Debt		 0.00 0.00 0.00 -1,107 -1,076 -1,011
Capital Expenditures (CapEx)		 0.00 6.18 1.59 0.00 3.71 6.62
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 0.00 0.00 270 202 269
Debt-free Net Working Capital (DFNWC)		 0.00 0.00 0.00 1,376 1,403 1,400
Net Working Capital (NWC)		 0.00 0.00 0.00 1,376 1,403 1,400
Net Nonoperating Expense (NNE)		 -8.24 0.58 -4.78 272 9.43 -7.68
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 -1,107 -1,076 -1,011
Total Depreciation and Amortization (D&A)		 3.30 4.28 5.63 3.90 5.87 7.50
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 11.60%
Debt-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 60.47%
Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 60.47%
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 ($7.29) ($0.15) $0.14
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 126.62M 371.83M 381.64M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 ($7.29) ($0.15) $0.13
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 126.62M 371.83M 400.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 0.00 371.71M 374.58M 381.02M
Normalized Net Operating Profit after Tax (NOPAT)		 -7.85 -21 8.16 -651 -45 46
Normalized NOPAT Margin		 -2.04% -5.08% 1.57% -123.35% -8.33% 7.07%
Pre Tax Income Margin		 0.12% -4.70% 2.79% -175.03% -10.02% 8.33%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 0.00 0.00 0.00
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% -16.84%

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways from Chime Financial's quarterly statements (Q2 2024 through Q4 2025). The focus is on cash flow, profitability, and liquidity trends for retail investors.

  • Operating cash flow improving: Net cash from continuing operating activities rose to $32.553M in Q4 2025, up from $17.484M in Q3 2025, signaling better cash generation from core operations.
  • Positive quarterly cash movement: Net change in cash and equivalents was an inflow of $22.058M in Q4 2025, supporting liquidity despite ongoing losses.
  • Investing cash flow improved in Q4 2025: Net cash from continuing investing activities was $54.795M, driven by investments activity flipping to a net inflow after a prior quarter’s large outflow.
  • Revenue trend remains up: Q3 2025 total revenue reached $543.519M, up from $528.149M in Q2 2025 and $421.871M in Q3 2024, indicating continued top-line momentum.
  • Gross margin looks strong: Q3 2025 gross profit was $474.118M on $543.519M revenue (approx. 87% gross margin), suggesting pricing power or favorable product mix despite ongoing costs.
  • Profitability remains negative: Net income attributable to common shareholders was -$54.722M in Q3 2025 and -$47.777M in Q4 2025 (also -$923.376M in Q2 2025), indicating persistent losses even with revenue growth.
  • Liquidity headwinds from a cash balance drawdown: Cash and equivalents declined from $868.284M at the end of Q2 2025 to $445.026M in Q3 2025, implying tighter liquidity despite improving CFO in later quarters.
  • Investing cash flow volatility persists: Q3 2025 showed a heavy net outflow from investing activities (-$423.609M) due to large purchases of investments offset by sales, but this reversed in Q4 2025 with a net inflow.
  • Financing actions pressured near-term liquidity: Q4 2025 financing cash flow was a net outflow of -$65.290M, driven in part by substantial share repurchases (-$77.538M) and modest other financing activity, which reduced available cash.
  • Ongoing liabilities and losses remain a risk: Total Liabilities were about $519.0M in Q3 2025 with continued net losses across the quarters, which could pressure liquidity if cash generation does not improve.
05/16/26 06:45 PM ETAI Generated. May Contain Errors.

Chime Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Chime Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Chime Financial's net income appears to be on an upward trend, with a most recent value of -$1.01 billion in 2025, rising from -$203.20 million in 2023. The previous period was -$25.34 million in 2024. Find out what analysts predict for Chime Financial in the coming months.

Chime Financial's total operating income in 2025 was -$1.04 billion, based on the following breakdown:
  • Total Gross Profit: $1.92 billion
  • Total Operating Expenses: $2.96 billion

Over the last 2 years, Chime Financial's total revenue changed from $1.28 billion in 2023 to $2.19 billion in 2025, a change of 71.0%.

Chime Financial's total liabilities were at $562.90 million at the end of 2025, a 12.2% increase from 2024, and a 12.2% increase since 2024.

In the past 1 years, Chime Financial's cash and equivalents has ranged from $337.70 million in 2024 to $466.25 million in 2025, and is currently $466.25 million as of their latest financial filing in 2025.

Over the last 2 years, Chime Financial's book value per share changed from 0.00 in 2023 to 3.74 in 2025, a change of 374.2%.


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Financial statements for NASDAQ:CHYM last updated on 5/8/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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