Here are the 10-K annual reports from Chime Financial, Inc. (CHYM) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CHYM and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CHYM filings page.
Chime Financial, Inc. describes a digital-first financial services platform built to help “everyday Americans” earning up to $100,000 manage spending, saving, liquidity and credit without punitive bank fees. The company serves 9.5 million Active Members, many of whom use Chime as their primary financial relationship as of December 31, 2025.
Chime earns most of its revenue from interchange fees when members spend on Chime-branded debit and secured credit cards issued by FDIC‑insured partners The Bancorp Bank, N.A. and Stride Bank, N.A. It highlights competitive strengths such as its proprietary ChimeCore payments and ledger system, AI- and ML‑driven risk decisioning, a low cost-to-serve model, and a trusted consumer brand.
The filing outlines growth strategies including deeper product adoption, new offerings in areas like longer-term savings, investing, insurance and rewards, expansion into higher income segments, and employer-based distribution through Chime Enterprise and Chime Workplace. It also details extensive regulatory, consumer protection, and partnership risks that could affect its business and profitability.