Chime Financial, Inc. Financials
This page shows Chime Financial, Inc. (CHYM) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Chime Financial, Inc. has an operating margin of -47.6%, meaning the company retains $-48 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -3.7% the prior year.
Chime Financial, Inc.'s revenue surged 30.7% year-over-year to $2.2B, reflecting rapid business expansion. This strong growth earns a score of 84/100.
Chime Financial, Inc. carries a low D/E ratio of 0.40, meaning only $0.40 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 94/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 4.53, Chime Financial, Inc. holds $4.53 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 90/100.
Chime Financial, Inc.'s free cash flow margin of 1.5% results in a low score of 29/100. Capital expenditures of $19.9M absorb a large share of operating cash flow.
Chime Financial, Inc. generates a -72.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100.
Chime Financial, Inc. passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Chime Financial, Inc. generates $-0.05 in operating cash flow ($52.8M OCF vs -$1.0B net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Chime Financial, Inc. generated $2.2B in revenue in fiscal year 2025. This represents an increase of 30.7% from the prior year.
Chime Financial, Inc.'s EBITDA was -$1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 2642.3% from the prior year.
Chime Financial, Inc. reported -$1.0B in net income in fiscal year 2025. This represents a decrease of 3884.9% from the prior year.
Chime Financial, Inc. earned $-4.27 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 994.9% from the prior year.
Cash & Balance Sheet
Chime Financial, Inc. generated $32.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 44.6% from the prior year.
Chime Financial, Inc. held $466.3M in cash against $0 in long-term debt as of fiscal year 2025.
Chime Financial, Inc. had 0 shares outstanding in fiscal year 2025. This represents a decrease of 100.0% from the prior year.
Margins & Returns
Chime Financial, Inc.'s gross margin was 88.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 0.4 percentage points from the prior year.
Chime Financial, Inc.'s operating margin was -47.6% in fiscal year 2025, reflecting core business profitability. This is down 43.8 percentage points from the prior year.
Chime Financial, Inc.'s net profit margin was -46.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 44.7 percentage points from the prior year.
Chime Financial, Inc.'s ROE was -72.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.
Capital Allocation
Chime Financial, Inc. invested $934.9M in research and development in fiscal year 2025. This represents an increase of 202.0% from the prior year.
Chime Financial, Inc. spent $77.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 8061.9% from the prior year.
Chime Financial, Inc. invested $19.9M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 313.3% from the prior year.
CHYM Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | $543.5M+2.9% | $528.1M | N/A | N/A | $421.9M+9.8% | $384.2M | N/A |
| Cost of Revenue | N/A | $69.4M+3.4% | $67.1M | N/A | N/A | $53.5M+6.0% | $50.5M | N/A |
| Gross Profit | N/A | $474.1M+2.8% | $461.0M | N/A | N/A | $368.4M+10.4% | $333.7M | N/A |
| R&D Expenses | N/A | $123.9M-80.1% | $621.8M | N/A | N/A | $80.4M+6.7% | $75.4M | N/A |
| SG&A Expenses | N/A | $76.6M-72.6% | $279.7M | N/A | N/A | $46.6M+12.0% | $41.6M | N/A |
| Operating Income | N/A | -$64.7M+93.0% | -$930.6M | N/A | N/A | -$30.6M-224.6% | -$9.4M | N/A |
| Interest Expense | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Income Tax | N/A | $280K+126.7% | -$1.0M | N/A | N/A | $2.2M+2719.2% | $78K | N/A |
| Net Income | N/A | -$54.7M+94.1% | -$923.4M-7236.4% | $12.9M | N/A | -$22.0M-5821.0% | $385K-97.6% | $15.9M |
| EPS (Diluted) | N/A | $-0.15+97.9% | $-7.29 | N/A | N/A | $-0.34 | $0.00 | N/A |
CHYM Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+0.1% | $2.0B+3.1% | $1.9B | N/A | $1.5B | N/A | N/A | N/A |
| Current Assets | $1.8B-0.2% | $1.8B+1.3% | $1.7B | N/A | $1.3B | N/A | N/A | N/A |
| Cash & Equivalents | $466.3M+4.8% | $445.0M-48.7% | $868.3M | N/A | $337.7M+24.7% | $270.8M-8.3% | $295.4M | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $257.9M+8.5% | $237.7M+3.5% | $229.6M | N/A | $216.2M | N/A | N/A | N/A |
| Goodwill | $27.5M0.0% | $27.5M0.0% | $27.5M | N/A | $27.5M | N/A | N/A | N/A |
| Total Liabilities | $562.9M+8.5% | $519.0M+9.4% | $474.4M | N/A | $3.4B | N/A | N/A | N/A |
| Current Liabilities | $387.9M+9.0% | $355.9M-1.1% | $359.7M | N/A | $374.8M | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $1.4B-2.9% | $1.4B+1.1% | $1.4B+174.8% | -$1.9B+1.2% | -$1.9B-0.7% | -$1.9B-0.4% | -$1.9B+1.3% | -$1.9B |
| Retained Earnings | -$3.4B-1.3% | -$3.3B-1.7% | -$3.3B | N/A | -$2.4B | N/A | N/A | N/A |
CHYM Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $32.6M+86.2% | $17.5M | N/A | N/A | $18.2M+173.1% | -$24.9M | N/A | N/A |
| Capital Expenditures | $14.2M+590.3% | $2.1M | N/A | N/A | $1.6M-49.1% | $3.1M | N/A | N/A |
| Free Cash Flow | $18.4M+19.0% | $15.4M | N/A | N/A | $16.7M+159.4% | -$28.0M | N/A | N/A |
| Investing Cash Flow | $54.8M+112.9% | -$423.6M | N/A | N/A | $50.4M+12901.3% | $388K | N/A | N/A |
| Financing Cash Flow | -$65.3M-284.7% | -$17.0M | N/A | N/A | $499K+1098.0% | -$50K | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $77.5M | $0 | N/A | N/A | $0-100.0% | $357K | N/A | N/A |
CHYM Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | 87.2%-0.1pp | 87.3% | N/A | N/A | 87.3%+0.4pp | 86.9% | N/A |
| Operating Margin | N/A | -11.9%+164.3pp | -176.2% | N/A | N/A | -7.3%-4.8pp | -2.5% | N/A |
| Net Margin | N/A | -10.1%+164.8pp | -174.8% | N/A | N/A | -5.2%-5.3pp | 0.1% | N/A |
| Return on Equity | N/A | -3.8%+60.9pp | -64.7% | N/A | N/A | N/A | N/A | N/A |
| Return on Assets | N/A | -2.8%+45.8pp | -48.5% | N/A | N/A | N/A | N/A | N/A |
| Current Ratio | 4.53-0.4 | 4.94+0.1 | 4.83 | N/A | 3.43 | N/A | N/A | N/A |
| Debt-to-Equity | 0.40+0.0 | 0.36+0.0 | 0.33 | N/A | -1.76 | N/A | N/A | N/A |
| FCF Margin | N/A | 2.8% | N/A | N/A | N/A | -6.6% | N/A | N/A |
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Frequently Asked Questions
What is Chime Financial, Inc.'s annual revenue?
Chime Financial, Inc. (CHYM) reported $2.2B in total revenue for fiscal year 2025. This represents a 30.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Chime Financial, Inc.'s revenue growing?
Chime Financial, Inc. (CHYM) revenue grew by 30.7% year-over-year, from $1.7B to $2.2B in fiscal year 2025.
Is Chime Financial, Inc. profitable?
No, Chime Financial, Inc. (CHYM) reported a net income of -$1.0B in fiscal year 2025, with a net profit margin of -46.2%.
What is Chime Financial, Inc.'s EBITDA?
Chime Financial, Inc. (CHYM) had EBITDA of -$1.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Chime Financial, Inc.'s gross margin?
Chime Financial, Inc. (CHYM) had a gross margin of 88.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Chime Financial, Inc.'s operating margin?
Chime Financial, Inc. (CHYM) had an operating margin of -47.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Chime Financial, Inc.'s net profit margin?
Chime Financial, Inc. (CHYM) had a net profit margin of -46.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Chime Financial, Inc.'s return on equity (ROE)?
Chime Financial, Inc. (CHYM) has a return on equity of -72.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Chime Financial, Inc.'s free cash flow?
Chime Financial, Inc. (CHYM) generated $32.9M in free cash flow during fiscal year 2025. This represents a -44.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Chime Financial, Inc.'s operating cash flow?
Chime Financial, Inc. (CHYM) generated $52.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Chime Financial, Inc.'s total assets?
Chime Financial, Inc. (CHYM) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Chime Financial, Inc.'s capital expenditures?
Chime Financial, Inc. (CHYM) invested $19.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How much does Chime Financial, Inc. spend on research and development?
Chime Financial, Inc. (CHYM) invested $934.9M in research and development during fiscal year 2025.
What is Chime Financial, Inc.'s current ratio?
Chime Financial, Inc. (CHYM) had a current ratio of 4.53 as of fiscal year 2025, which is generally considered healthy.
What is Chime Financial, Inc.'s debt-to-equity ratio?
Chime Financial, Inc. (CHYM) had a debt-to-equity ratio of 0.40 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Chime Financial, Inc.'s return on assets (ROA)?
Chime Financial, Inc. (CHYM) had a return on assets of -51.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Chime Financial, Inc.'s Piotroski F-Score?
Chime Financial, Inc. (CHYM) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Chime Financial, Inc.'s earnings high quality?
Chime Financial, Inc. (CHYM) has an earnings quality ratio of -0.05x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Chime Financial, Inc.?
Chime Financial, Inc. (CHYM) scores 50 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.