Chime Financial
CHYM · NasdaqFinance Services · Fiscal year ends Dec 31
Chime Financial reported revenue of $2.2B in the fiscal year ended Dec 2025, up 30.7% from the year before. Operating income was −$1B, an operating margin of −47.6%, and net income was −$1B. Operating cash flow of $53M less capital expenditure of $20M left free cash flow of $33M.
Last 5 fiscal years
Revenue and net income
Income statement
| Fiscal year | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue | $1.3B | $1.7B | $2.2B |
| Cost of revenue | $220M | $208M | $263M |
| Gross profit | $1.1B | $1.5B | $1.9B |
| Research & development | $259M | $310M | $935M |
| Operating income | −$236M | −$62M | −$1B |
| Pre-tax income | −$203M | −$23M | −$1B |
| Income tax | $234,000 | $3M | $831,000 |
| Net income | −$203M | −$25M | −$1B |
| Diluted EPS | −3.22 | −0.39 | −4.27 |
| Diluted shares | 63M | 65M | 236M |
Balance sheet
| Fiscal year | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Cash & equivalents | $240M | $338M | $466M |
| Receivables | – | $216M | $258M |
| Current assets | – | $1.3B | $1.8B |
| Net PP&E | – | $93M | $94M |
| Goodwill | – | $27M | $27M |
| Total assets | – | $1.5B | $2B |
| Payables | – | $36M | $39M |
| Deferred revenue | $4M | $4M | $5M |
| Current liabilities | – | $375M | $388M |
| Total liabilities | – | $502M | $563M |
| Shareholders' equity | −$2B | −$1.9B | $1.4B |
Cash flow
| Fiscal year | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating cash flow | −$157M | $64M | $53M |
| Capital expenditure | $11M | $5M | $20M |
| Free cash flow | −$167M | $59M | $33M |
| Depreciation & amortisation | $13M | $25M | $30M |
| Stock-based compensation | $26M | $30M | $1.1B |
| Acquisitions | $0 | $13M | $0 |
| Share buybacks | $61,000 | $950,000 | $78M |
Key ratios
| Fiscal year | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Revenue growth (YoY) | – | 30.9% | 30.7% |
| Gross margin | 82.8% | 87.6% | 88.0% |
| Operating margin | −18.4% | −3.7% | −47.6% |
| Net margin | −15.9% | −1.5% | −46.2% |
| Return on equityBlank when equity is negative | – | – | −72.1% |
| ROCEEBIT ÷ (assets − current liabilities) | – | −5.7% | −66.0% |
| Free cash flow margin | −13.1% | 3.5% | 1.5% |
| Cash conversion (CFO ÷ net income) | 0.77x | −2.53x | −0.05x |
| Receivable days | – | 47 | 43 |
| Payable days | – | 63 | 54 |
| Current ratio | – | 3.43x | 4.53x |
Recent filings
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Standardised figures from the company's XBRL filings with the SEC (10-K, 10-Q). Line items follow US GAAP tags, so a company's own statement layout may differ and some lines show “–” where the company does not report that item. Ratios are calculated from these figures. For education only; not investment advice or a recommendation.