Chime Financial, Inc. financials
Source: EDGAR filings · Built 2026-06-02T02:38:40Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2025 | FY 2025 |
|---|---|---|---|
| Free Cash Flow | 32.89M | 59.33M | -167.09M |
| EBITDA | -1.01B | -36.83M | -222.85M |
| Working Capital | 1.37B | 912.22M | — |
| Net Debt | -331.59M | -241.36M | — |
| Gross Margin | 87.97% | 87.60% | 82.81% |
| Operating Margin | -47.56% | -3.72% | -18.44% |
| Net Margin | -46.18% | -1.51% | -15.89% |
| Return on Equity (ROE) | -72.05% | 1.31% | 10.40% |
| Return on Assets (ROA) | -51.41% | -1.73% | — |
| Current Ratio | 4.53× | 3.43× | — |
| Debt-to-Equity | 0.10× | -0.05× | — |
| Effective Tax Rate | -0.08% | -11.48% | -0.12% |
| Cash Conversion Ratio | -0.05× | -2.53× | 0.77× |
| Accruals Ratio | -0.54× | -0.06× | — |
| SBC % of Revenue | 48.97% | 1.78% | 2.04% |
| CapEx Coverage | 2.65× | 13.33× | -14.91× |
| Free Cash Flow Per Share | $0.14 | $0.91 | $-2.65 |
Valuation Metrics
Income Statement
| Concept | FY 2025 | FY 2025 | FY 2025 |
|---|---|---|---|
| Revenues | 2.19B | 1.67B | 1.28B |
| Cost of Goods and Services Sold | 263.05M | 207.51M | 219.74M |
| Gross Profit | 1.92B | 1.47B | 1.06B |
| Research and Development Expense | 934.92M | 309.57M | 259.00M |
| Operating Expenses | 2.96B | 1.53B | 1.29B |
| Operating Income (Loss) | -1.04B | -62.20M | -235.78M |
| Income Tax Expense (Benefit) | 831.00K | 2.61M | 234.00K |
| Net Income (Loss) Attributable to Parent | -1.01B | -25.34M | -203.20M |
| Earnings Per Share, Basic | $-4.27 | $-0.39 | $-3.22 |
| Weighted Average Number of Shares Outstanding, Basic | 236.27M | 64.91M | 63.10M |
| Earnings Per Share, Diluted | $-4.27 | $-0.39 | $-3.22 |
| Weighted Average Number of Shares Outstanding, Diluted | 236.27M | 64.91M | 63.10M |
Balance Sheet
| Concept | FY 2025 | FY 2025 | FY 2025 |
|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 466.25M | 337.70M | 239.75M |
| Assets, Current | 1.76B | 1.29B | — |
| Assets | 1.96B | 1.46B | — |
| Liabilities, Current | 387.92M | 374.82M | — |
| Liabilities | 562.90M | 501.52M | — |
| Stockholders' Equity Attributable to Parent | 1.40B | -1.93B | -1.95B |
| Common Stock, Shares, Outstanding | 0 | 66.95M | — |
Cash Flow Statement
| Concept | FY 2025 | FY 2025 | FY 2025 |
|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 52.78M | 64.14M | -156.59M |
| Net Cash Provided by (Used in) Investing Activities | -289.69M | 45.66M | 167.01M |
| Payments for Repurchase of Common Stock | 77.54M | 950.00K | 61.00K |
| Net Cash Provided by (Used in) Financing Activities | 367.67M | 456.00K | 842.00K |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q2 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 80.86M | — | 14.54M | -888.00K | -27.34M | — |
| EBITDA | 53.83M | -45.95M | — | — | 16.39M | -20.02M |
| Working Capital | 1.40B | 1.37B | 1.40B | 1.38B | — | 912.22M |
| Net Debt | -474.94M | -331.59M | -307.26M | -780.42M | — | -241.36M |
| Gross Margin | 89.64% | 88.91% | 87.23% | 87.29% | 88.35% | 88.21% |
| Operating Margin | 7.13% | -9.02% | -11.91% | -176.21% | 1.76% | -5.71% |
| Net Margin | 8.26% | -7.51% | -10.07% | -174.83% | 2.49% | -4.13% |
| Return on Equity (ROE) | 3.71% | -3.19% | -3.79% | -64.66% | -0.68% | 1.02% |
| Return on Assets (ROA) | 2.74% | -2.28% | -2.79% | -48.54% | — | -1.34% |
| Current Ratio | 5.07× | 4.53× | 4.94× | 4.83× | — | 3.43× |
| Debt-to-Equity | 0.09× | 0.10× | 0.10× | 0.06× | — | -0.05× |
| Effective Tax Rate | 0.84% | -0.10% | -0.51% | 0.11% | 10.71% | -3.68% |
| Cash Conversion Ratio | 1.64× | -0.73× | -0.37× | -0.00× | -1.99× | -0.93× |
| Accruals Ratio | -0.02× | -0.04× | -0.04× | -0.49× | — | -0.03× |
| SBC % of Revenue | 9.37% | 11.29% | 184.65% | 173.97% | 1.68% | 1.71% |
| CapEx Coverage | 13.21× | — | 3.56× | 0.76× | -16.17× | — |
| Free Cash Flow Per Share | $0.20 | — | $0.04 | $-0.01 | $-0.42 | — |
Valuation Metrics
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q2 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Revenues | 647.39M | 596.36M | 543.52M | 528.15M | 518.74M | 475.21M |
| Cost of Goods and Services Sold | 67.07M | 66.11M | 69.40M | 67.12M | 60.42M | 56.04M |
| Gross Profit | 580.31M | 530.25M | 474.12M | 461.03M | 458.33M | 419.17M |
| Research and Development Expense | 109.78M | 111.35M | 123.94M | 621.75M | 77.88M | 78.87M |
| Operating Expenses | 534.15M | 584.02M | 538.83M | 1.39B | 449.19M | 446.31M |
| Operating Income (Loss) | 46.16M | -53.77M | -64.71M | -930.64M | 9.14M | -27.15M |
| Income Tax Expense (Benefit) | 455.00K | 46.00K | 280.00K | -1.05M | 1.55M | 695.00K |
| Net Income (Loss) Attributable to Parent | 53.46M | -44.78M | -54.72M | -923.38M | 12.94M | -19.61M |
| Earnings Per Share, Basic | $0.14 | $0.83 | $-0.15 | $-7.29 | $0.00 | $-0.30 |
| Weighted Average Number of Shares Outstanding, Basic | 381.64M | 236.27M | 371.83M | 126.62M | 65.87M | 64.91M |
| Earnings Per Share, Diluted | $0.13 | $0.83 | $-0.15 | $-7.29 | $0.00 | $-0.30 |
| Weighted Average Number of Shares Outstanding, Diluted | 400.48M | 236.27M | 371.83M | 126.62M | 65.87M | 64.91M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q2 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 607.68M | 466.25M | 445.03M | 868.28M | 318.16M | 337.70M |
| Assets, Current | 1.74B | 1.76B | 1.76B | 1.74B | — | 1.29B |
| Assets | 1.95B | 1.96B | 1.96B | 1.90B | — | 1.46B |
| Liabilities, Current | 344.10M | 387.92M | 355.92M | 359.70M | — | 374.82M |
| Liabilities | 508.94M | 562.90M | 519.04M | 474.38M | — | 501.52M |
| Stockholders' Equity Attributable to Parent | 1.44B | 1.40B | 1.44B | 1.43B | -1.91B | -1.93B |
| Common Stock, Shares, Outstanding | — | 0 | 0 | 0 | — | 66.95M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q2 2025 | Q4 2025 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 87.48M | 32.55M | 20.23M | 2.74M | -25.75M | 18.23M |
| Payments to Acquire Property, Plant, and Equipment | — | — | 5.69M | 3.63M | — | — |
| Net Cash Provided by (Used in) Investing Activities | 127.31M | 54.80M | -344.48M | 79.13M | 6.70M | 50.45M |
| Payments for Repurchase of Common Stock | 85.74M | 77.54M | 0 | 0 | 0 | 0 |
| Net Cash Provided by (Used in) Financing Activities | -73.36M | -65.29M | 432.96M | 449.93M | -126.00K | 499.00K |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (CHYM CIK 0001795586),
grouped by financial statement using FASB's base
us-gaap presentation taxonomy. Filers may re-parent
concepts onto different statements in their own extension
taxonomy, so a handful of rows can show up under a different
statement than on the actual 10-K / 10-Q; custom concepts and
any we couldn't map fall into Other. Hover a
cell to see the fully-qualified concept name and the filer's
description.
For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.