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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	2,066	1,673	1,278	1,009
Revenue Growth (YoY)	61.57%	30.88%	26.73%	-
Cost of Revenue	252.98	207.51	219.74	214.69
Gross Profit	1,813	1,466	1,059	794.15
Selling, General & Admin	1,510	983.85	871.51	876.84
Research & Development	902.45	309.58	259	239.88
Operating Expenses	2,428	1,308	1,142	1,124
Operating Income	-615.42	157.49	-83.41	-329.86
Interest & Investment Income	30.07	39.47	32.82	8.11
Other Non Operating Income (Expenses)	-397.94	-219.69	-152.38	-126.71
EBT Excluding Unusual Items	-983.29	-22.73	-202.97	-448.46
Merger & Restructuring Charges	-	-	-	-1.3
Asset Writedown	-	-	-	-20.83
Pretax Income	-983.29	-22.73	-202.97	-470.59
Income Tax Expense	1.48	2.61	0.23	-0.34
Net Income	-984.77	-25.34	-203.2	-470.25
Net Income to Common	-984.77	-25.34	-203.2	-470.25
Shares Outstanding (Basic)	158	65	63	58
Shares Outstanding (Diluted)	158	65	63	58
Shares Change (YoY)	150.80%	2.86%	9.02%	-
EPS (Basic)	-6.22	-0.39	-3.22	-8.12
EPS (Diluted)	-6.22	-0.39	-3.22	-8.12
Free Cash Flow	31.19	59.33	-167.1	-482.86
Free Cash Flow Per Share	0.20	0.91	-2.65	-8.34
Gross Margin	87.75%	87.60%	82.81%	78.72%
Operating Margin	-29.79%	9.41%	-6.52%	-32.70%
Profit Margin	-47.67%	-1.52%	-15.89%	-46.61%
Free Cash Flow Margin	1.51%	3.55%	-13.07%	-47.86%
EBITDA	-602.62	166.36	-76.17	-325.96
EBITDA Margin	-29.17%	9.94%	-5.96%	-32.31%
D&A For EBITDA	12.81	8.87	7.24	3.9
EBIT	-615.42	157.49	-83.41	-329.86
EBIT Margin	-29.79%	9.41%	-6.52%	-32.70%

Updated Nov 5, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q