Chime Financial (CHYM) financial statements
Chime Financial reported revenue of $2.2B in fiscal 2025, up 30.8% a year over 2 years.
Net income was -$1.0B and the operating margin -47.6%, against -18.4% in 2023.
Free cash flow was $33M, and the company returned $78M in net buybacks.
The diluted share count rose 274% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Chime Financial's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $1.3B | $1.7B | $2.2B |
| Cost of revenue | $220M | $208M | $263M |
| Gross profit | $1.1B | $1.5B | $1.9B |
| Research and development | $259M | $310M | $935M |
| Selling, general and admin | $599M | $697M | $1.1B |
| Operating income | -$236M | -$62M | -$1.0B |
| Pre-tax income | -$203M | -$23M | -$1.0B |
| Income tax | $234,000 | $3M | $831,000 |
| Net income | -$203M | -$25M | -$1.0B |
| EPS (diluted) | -$3.22 | -$0.39 | -$4.27 |
| Diluted shares | 63M | 65M | 236M |
| Gross margin | 82.8% | 87.6% | 88.0% |
| Operating margin | -18.4% | -3.7% | -47.6% |
| Net margin | -15.9% | -1.5% | -46.2% |
Balance sheet
Fiscal years, from Chime Financial's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Cash and short-term investments | $240M | $707M | $1.1B |
| Receivables | — | $216M | $258M |
| Total current assets | — | $1.3B | $1.8B |
| Property, plant and equipment | — | $93M | $94M |
| Goodwill | — | $27M | $27M |
| Total assets | — | $1.5B | $2.0B |
| Total current liabilities | — | $375M | $388M |
| Total liabilities | — | $502M | $563M |
| Shareholders' equity | -$2.0B | -$1.9B | $1.4B |
| Net debt | -$240M | -$338M | -$466M |
Cash flow
Fiscal years, from Chime Financial's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating cash flow | -$157M | $64M | $53M |
| Capital spending | $11M | $5M | $20M |
| Free cash flow | -$167M | $59M | $33M |
| Stock-based compensation | $26M | $30M | $1.1B |
| Share buybacks (net) | -$61,000 | -$950,000 | -$78M |
| Free cash flow margin | -13.1% | 3.5% | 1.5% |
Questions
What was Chime Financial's revenue in 2025?
$2.2B in fiscal 2025, from its 10-K filing.
How much free cash flow does Chime Financial generate?
$33M in fiscal 2025 (operating cash flow minus capital spending).
From Chime Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.