Every 10-Q that Chime Financial, Inc. (CHYM) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, 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. reported strong growth and a return to profitability for the quarter ended June 30, 2026. Revenue was $669,768 (in thousands), up from $528,149 (in thousands) a year earlier, with gross margin of 89% and transaction margin of 73%.
Net income for the quarter was $27,850 (in thousands), versus a net loss of $923,376 (in thousands) in the prior-year quarter; six‑month net income was $81,306 (in thousands). Adjusted EBITDA reached $101,572 (in thousands) for the quarter, a 15% adjusted EBITDA margin, reflecting much lower stock‑based compensation and more efficient operating costs.
Key operating metrics improved, with Purchase Volume of $38,034 (in millions), 10.4 million Active Members, and ARPAM of $260. Liquidity remained solid with $536,045 (in thousands) of cash and cash equivalents, $65,014 (in thousands) of restricted cash, $527,380 (in thousands) of marketable securities, an undrawn $475.0 million revolving credit facility, and $50.0 million drawn on a new $500.0 million Warehouse Facility. Subsequent to quarter‑end, Chime approved a plan to reduce its workforce by about 10%, expecting $16 million to $20 million of net cash restructuring charges and a $9 million to $12 million reduction in stock‑based compensation, mostly in the third quarter of 2026.
Chime Financial, Inc. reported strong first-quarter growth with improving profitability. Revenue rose to $647.4 million, up 25% from the prior year, driven by higher card Purchase Volume of $38.7 billion and more platform-related fees from products like MyPay, instant transfers, and Instant Loans.
Net income increased to $53.5 million from $12.9 million, while adjusted EBITDA reached $118.6 million, an 18% margin. Active Members grew to 10.2 million and ARPAM improved to $263, showing better monetization per member.
The balance sheet showed $607.7 million in cash and equivalents and $403.6 million in marketable securities, with no borrowings under a $475.0 million credit facility. Operating cash flow was $87.5 million. The board later approved an additional $200.0 million Class A share repurchase authorization.
Chime Financial (CHYM) reported Q3 2025 results. Revenue reached $543.5 million, up from $421.9 million a year ago, with gross profit of $474.1 million. Operating loss was $64.7 million and net loss was $54.7 million, or $0.15 per share.
For the first nine months, revenue totaled $1.59 billion and net loss was $965.2 million, reflecting $1.00 billion of stock-based compensation expense recognized after the June 2025 IPO. Liquidity improved with cash and cash equivalents of $445.0 million and marketable securities of $633.7 million. The company closed an IPO that generated approximately $770.6 million in net proceeds and established a $475.0 million senior secured revolving credit facility with no amounts drawn. Product obligation measured at fair value was $134.3 million. As of November 5, 2025, shares outstanding were 342,395,697 Class A and 32,182,289 Class B.