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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	1,800	1,673	1,278	1,009
Revenue Growth (YoY)	-	30.88%	26.73%	-
Cost of Revenue	220.48	207.51	219.74	214.69
Gross Profit	1,580	1,466	1,059	794.15
Selling, General & Admin	1,018	983.85	871.51	876.84
Research & Development	312.53	309.58	259	239.88
Operating Expenses	1,345	1,308	1,142	1,124
Operating Income	234.7	157.49	-83.41	-329.86
Interest & Investment Income	34.31	39.47	32.82	8.11
Other Non Operating Income (Expenses)	-292.79	-219.69	-152.38	-126.71
EBT Excluding Unusual Items	-23.78	-22.73	-202.97	-448.46
Merger & Restructuring Charges	-	-	-	-1.3
Asset Writedown	-	-	-	-20.83
Pretax Income	-23.78	-22.73	-202.97	-470.59
Income Tax Expense	4.52	2.61	0.23	-0.34
Net Income	-28.31	-25.34	-203.2	-470.25
Net Income to Common	-28.31	-25.34	-203.2	-470.25
Shares Outstanding (Basic)	65	65	63	58
Shares Outstanding (Diluted)	65	65	63	58
Shares Change (YoY)	-	2.86%	9.02%	-
EPS (Basic)	-0.43	-0.39	-3.22	-8.12
EPS (Diluted)	-0.43	-0.39	-3.22	-8.12
Free Cash Flow	-40.15	59.33	-167.1	-482.86
Free Cash Flow Per Share	-0.61	0.91	-2.65	-8.34
Gross Margin	87.75%	87.60%	82.81%	78.72%
Operating Margin	13.04%	9.41%	-6.52%	-32.70%
Profit Margin	-1.57%	-1.52%	-15.89%	-46.61%
Free Cash Flow Margin	-2.23%	3.55%	-13.07%	-47.86%
EBITDA	243.79	166.36	-76.17	-325.96
EBITDA Margin	13.54%	9.94%	-5.96%	-32.31%
D&A For EBITDA	9.09	8.87	7.24	3.9
EBIT	234.7	157.49	-83.41	-329.86
EBIT Margin	13.04%	9.41%	-6.52%	-32.70%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q