Chime Financial, Inc. (CHYM)

Chime Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	1,944	1,673	1,278	1,009
Revenue Growth (YoY)	92.70%	30.88%	26.73%	-
Cost of Revenue	237.1	207.51	219.74	214.69
Gross Profit	1,707	1,466	1,059	794.15
Selling, General & Admin	1,456	983.85	871.51	876.84
Research & Development	858.91	309.58	259	239.88
Operating Expenses	2,330	1,308	1,142	1,124
Operating Income	-623.25	157.49	-83.41	-329.86
Interest & Investment Income	30.62	39.47	32.82	8.11
Other Non Operating Income (Expenses)	-356.04	-219.69	-152.38	-126.71
EBT Excluding Unusual Items	-948.67	-22.73	-202.97	-448.46
Merger & Restructuring Charges	-	-	-	-1.3
Asset Writedown	-	-	-	-20.83
Pretax Income	-948.67	-22.73	-202.97	-470.59
Income Tax Expense	3.4	2.61	0.23	-0.34
Net Income	-952.07	-25.34	-203.2	-470.25
Net Income to Common	-935.78	-25.34	-203.2	-470.25
Shares Outstanding (Basic)	81	65	63	58
Shares Outstanding (Diluted)	81	65	63	58
Shares Change (YoY)	39.65%	2.86%	9.02%	-
EPS (Basic)	-11.58	-0.39	-3.22	-8.12
EPS (Diluted)	-11.58	-0.39	-3.22	-8.12
Free Cash Flow	-12.26	59.33	-167.1	-482.86
Free Cash Flow Per Share	-0.15	0.91	-2.65	-8.34
Gross Margin	87.80%	87.60%	82.81%	78.72%
Operating Margin	-32.06%	9.41%	-6.52%	-32.70%
Profit Margin	-48.14%	-1.52%	-15.89%	-46.61%
Free Cash Flow Margin	-0.63%	3.55%	-13.07%	-47.86%
EBITDA	-611.06	166.36	-76.17	-325.96
EBITDA Margin	-31.43%	9.94%	-5.96%	-32.31%
D&A For EBITDA	12.19	8.87	7.24	3.9
EBIT	-623.25	157.49	-83.41	-329.86
EBIT Margin	-32.06%	9.41%	-6.52%	-32.70%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q