Chime Financial, Inc.
CHYM Nasdaq Finance Services Financials FY2023–FY2025
Last close · Oct 23, 2026
$29.57
2.0%
Revenue
Total sales reported in the income statement.
$2.2B
30.7%
vs prior year
Operating margin
Operating income as a share of revenue.
−47.6%
43.8 pts
Net income
Profit after all expenses, interest and tax.
−$1.0B
Free cash flow
Cash from operations minus capital spending.
$32.9M
44.6%
Return on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
—
Market cap
Last close times the latest diluted share count, so it is approximate.
$11.6B
Oct 23 close
P/E
Last close divided by diluted earnings per share over the last four quarters.
9.2x
On $3.22 EPS (TTM)
What Chime Financial, Inc. does
No business description yet.
- Legal name
- Chime Financial, Inc.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Accession · CIK
- 0001795586-26-000013
0001795586
Revenue and margins
Chime Financial, Inc. had $2.2B of revenue in fiscal 2025, up 30.7% on the year before.
FY23
Revenue $1.3B
FY24
Revenue $1.7B
FY25
Revenue $2.2B
Q1 '24
Revenue —
Q2 '24
Revenue $384M
Q3 '24
Revenue $422M
Q4 '24
Revenue $475M
Q1 '25
Revenue $519M
Q2 '25
Revenue $528M
Q3 '25
Revenue $544M
Q4 '25
Revenue $596M
Q1 '26
Revenue $647M
Q2 '26
Revenue $670M
FY23
Gross 82.8%
Operating −18.4%
Net −15.9%
FCF −13.1%
FY24
Gross 87.6%
Operating −3.7%
Net −1.5%
FCF 3.5%
FY25
Gross 88.0%
Operating −47.6%
Net −46.2%
FCF 1.5%
Gross
Operating
Net
FCF
Q1 '24
Gross —
Operating —
Net —
FCF —
Q2 '24
Gross 86.9%
Operating −2.5%
Net 0.1%
FCF —
Q3 '24
Gross 87.3%
Operating −7.3%
Net −5.2%
FCF −6.6%
Q4 '24
Gross 88.2%
Operating −5.7%
Net −4.1%
FCF 3.5%
Q1 '25
Gross 88.4%
Operating 1.8%
Net 2.5%
FCF −5.3%
Q2 '25
Gross 87.3%
Operating −176.2%
Net −174.8%
FCF 5.0%
Q3 '25
Gross 87.2%
Operating −11.9%
Net −10.1%
FCF 2.8%
Q4 '25
Gross 88.9%
Operating −9.0%
Net −7.5%
FCF 3.1%
Q1 '26
Gross 89.6%
Operating 7.1%
Net 8.3%
FCF 12.5%
Q2 '26
Gross 88.8%
Operating 3.2%
Net 4.2%
FCF 29.5%
Gross
Operating
Net
FCF
Net income and earnings per share
Loss periods are shown in red.
FY23
Net income −$203M
FY24
Net income −$25.3M
FY25
Net income −$1.0B
Q1 '24
Net income $15.9M
Q2 '24
Net income $0.4M
Q3 '24
Net income −$22.0M
Q4 '24
Net income −$19.6M
Q1 '25
Net income $12.9M
Q2 '25
Net income −$923M
Q3 '25
Net income −$54.7M
Q4 '25
Net income −$44.8M
Q1 '26
Net income $53.5M
Q2 '26
Net income $27.9M
FY23
Diluted EPS −$3.22
FY24
Diluted EPS −$0.39
FY25
Diluted EPS −$4.27
Q1 '24
Diluted EPS —
Q2 '24
Diluted EPS $0.00
Q3 '24
Diluted EPS −$0.34
Q4 '24
Diluted EPS —
Q1 '25
Diluted EPS $0.00
Q2 '25
Diluted EPS −$7.29
Q3 '25
Diluted EPS −$0.15
Q4 '25
Diluted EPS $3.17
Q1 '26
Diluted EPS $0.13
Q2 '26
Diluted EPS $0.07
Returns on capital
After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
FY23
Return on capital —
Return on equity —
Return on assets —
FY24
Return on capital —
Return on equity —
Return on assets −1.7%
FY25
Return on capital —
Return on equity —
Return on assets −59.0%
Return on capital
Return on equity
Return on assets
Cash flow
Free cash flow was $32.9M in fiscal 2025, 1.5% of revenue. Cash from operations minus capital spending.
FY23
Free cash flow −$167M
FY24
Free cash flow $59.3M
FY25
Free cash flow $32.9M
Q1 '24
Free cash flow —
Q2 '24
Free cash flow —
Q3 '24
Free cash flow −$28.0M
Q4 '24
Free cash flow $16.7M
Q1 '25
Free cash flow −$27.3M
Q2 '25
Free cash flow $26.5M
Q3 '25
Free cash flow $15.4M
Q4 '25
Free cash flow $18.4M
Q1 '26
Free cash flow $80.9M
Q2 '26
Free cash flow $198M
FY23
Cash from operations −$157M
Capital spending $10.5M
FY24
Cash from operations $64.1M
Capital spending $4.8M
FY25
Cash from operations $52.8M
Capital spending $19.9M
Cash from operations
Capital spending
Q1 '24
Cash from operations —
Capital spending —
Q2 '24
Cash from operations —
Capital spending —
Q3 '24
Cash from operations −$24.9M
Capital spending $3.1M
Q4 '24
Cash from operations $18.2M
Capital spending $1.6M
Q1 '25
Cash from operations −$25.8M
Capital spending $1.6M
Q2 '25
Cash from operations $28.5M
Capital spending $2.0M
Q3 '25
Cash from operations $17.5M
Capital spending $2.1M
Q4 '25
Cash from operations $32.6M
Capital spending $14.2M
Q1 '26
Cash from operations $87.5M
Capital spending $6.6M
Q2 '26
Cash from operations $207M
Capital spending $9.9M
Cash from operations
Capital spending
Dividends, buybacks and share count
Chime Financial, Inc. returned $77.5M to shareholders in fiscal 2025, 236% of free cash flow. The diluted share count rose 264.0%.
FY23
Dividends —
Buybacks $0.1M
FY24
Dividends —
Buybacks $1.0M
FY25
Dividends —
Buybacks $77.5M
Dividends
Buybacks
Q1 '24
Dividends —
Buybacks —
Q2 '24
Dividends —
Buybacks —
Q3 '24
Dividends —
Buybacks $0.4M
Q4 '24
Dividends —
Buybacks $0.0M
Q1 '25
Dividends —
Buybacks $0.0M
Q2 '25
Dividends —
Buybacks $0.0M
Q3 '25
Dividends —
Buybacks $0.0M
Q4 '25
Dividends —
Buybacks $77.5M
Q1 '26
Dividends —
Buybacks $85.7M
Q2 '26
Dividends —
Buybacks $136M
Dividends
Buybacks
FY23
Diluted shares 0.06B
FY24
Diluted shares 0.06B
FY25
Diluted shares 0.24B
Balance sheet
Cash, debt and the ratios that show how comfortably Chime Financial, Inc. can carry it.
FY23
Cash $240M
Debt —
FY24
Cash $707M
Debt —
FY25
Cash $1.1B
Debt —
Cash
Debt
| Fiscal year end | FY23 | FY24 | FY25 |
|---|---|---|---|
| Cash and short-term investments | $240M | $707M | $1.1B |
| Current ratio | — | 3.4x | 4.5x |
| Quick ratio | — | 3.4x | 4.5x |
| Total assets | — | $1.5B | $2.0B |
| Total liabilities | — | $502M | $563M |
| Shareholders' equity | −$2.0B | −$1.9B | $1.4B |
| Net debt (− = net cash) | — | — | — |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
Piotroski F-score
Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.
| Test | FY23 | FY24 | FY25 |
|---|---|---|---|
| Net income is positive | ✕ | ✕ | ✕ |
| Cash from operations is positive | ✕ | ✓ | ✓ |
| Return on assets rose | — | — | ✕ |
| Cash from operations exceeds net income | ✓ | ✓ | ✓ |
| Debt fell relative to assets | — | — | — |
| Current ratio rose | — | — | ✓ |
| Share count didn't rise | — | ✕ | ✕ |
| Gross margin rose | — | ✓ | ✓ |
| Revenue rose relative to assets | — | — | ✕ |
| F-score | — / 3 | — / 5 | 4 / 8 |
| Accruals ratio | — | −6.1% | −62.0% |
| Altman Z'' | — | −5.51 | −1.97 |
3 years of figures
Amounts in USD. Hover a ratio’s name for its definition.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Income statement | |||
| Revenue | $1.3B | $1.7B | $2.2B |
| Gross profit | $1.1B | $1.5B | $1.9B |
| Research and development | $259M | $310M | $935M |
| Operating income | −$236M | −$62.2M | −$1.0B |
| Pretax income | −$203M | −$22.7M | −$1.0B |
| Income tax | $0.2M | $2.6M | $0.8M |
| Net income | −$203M | −$25.3M | −$1.0B |
| Diluted EPS | −$3.22 | −$0.39 | −$4.27 |
| Diluted shares | 0.06B | 0.06B | 0.24B |
| Cash flow | |||
| Cash from operations | −$157M | $64.1M | $52.8M |
| Capital expenditure | $10.5M | $4.8M | $19.9M |
| Free cash flow | −$167M | $59.3M | $32.9M |
| Depreciation and amortization | $12.9M | $25.4M | $30.0M |
| Stock-based compensation | $26.0M | $29.8M | $1.1B |
| Acquisitions | $0.0M | $13.3M | $0.0M |
| Share buybacks | $0.1M | $1.0M | $77.5M |
| Dividends and buybacks | $0.1M | $1.0M | $77.5M |
| Balance sheet | |||
| Cash and short-term investments | $240M | $707M | $1.1B |
| Loans, net | — | $99.8M | $71.6M |
| Current assets | — | $1.3B | $1.8B |
| Current liabilities | — | $375M | $388M |
| Property and equipment, net | — | $92.7M | $94.3M |
| Goodwill | — | $27.5M | $27.5M |
| Intangible assets | — | — | $27.5M |
| Total assets | — | $1.5B | $2.0B |
| Total liabilities | — | $502M | $563M |
| Preferred stock | — | $0.0M | $0.0M |
| Shareholders' equity | −$2.0B | −$1.9B | $1.4B |
| Margins | |||
| Gross margin | 82.8% | 87.6% | 88.0% |
| Operating margin | −18.4% | −3.7% | −47.6% |
| EBITDA margin | −17.4% | −2.2% | −46.2% |
| Net margin | −15.9% | −1.5% | −46.2% |
| FCF margin | −13.1% | 3.5% | 1.5% |
| Returns | |||
| Return on capital employed | — | −5.7% | −66.0% |
| Return on assets | — | −1.7% | −59.0% |
| Return on tangible equity | — | — | −75.0% |
| Growth | |||
| Revenue growth | — | 30.9% | 30.7% |
| FCF growth | — | — | −44.6% |
| Share count change | — | 2.9% | 264.0% |
| Financial health | |||
| Current ratio | — | 3.4x | 4.5x |
| Quick ratio | — | 3.4x | 4.5x |
| Capital allocation | |||
| Capex / revenue | 0.8% | 0.3% | 0.9% |
| Stock comp / revenue | 2.0% | 1.8% | 49.0% |
| Payouts / FCF | — | 1.6% | 235.7% |
| Quality scores | |||
| Piotroski F-score | — | — | 4.0 |
| Altman Z'' | — | −5.5 | −2.0 |
| Accruals ratio | — | −6.1% | −62.0% |
Source: SEC EDGAR XBRL filings (CIK 0001795586). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.