Chime Financial, Inc. (CHYM)

Chime Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2023
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	2,187	1,673	1,278	1,009
Revenue Growth (YoY)	30.69%	30.88%	26.73%	-
Cost of Revenue	263.05	207.51	219.74	214.69
Gross Profit	1,924	1,466	1,059	794.15
Selling, General & Admin	1,605	983.85	871.51	896.41
Depreciation & Amortization Expenses	15.98	14.85	11.62	7.3
Research & Development	934.93	309.58	259	242.43
Other Operating Expenses	407.32	219.69	152.38	126.71
Total Operating Expenses	2,964	1,528	1,295	1,273
Operating Income	-1,040	-62.2	-235.79	-478.7
Total Non-Operating Income (Expense)	30.87	39.47	32.82	8.11
Pretax Income	-1,009	-22.73	-202.97	-470.59
Provision for Income Taxes	0.83	2.61	0.23	-0.34
Net Income	-1,010	-25.34	-203.2	-470.25
Net Income to Common	-1,010	-25.34	-203.2	-470.25
Shares Outstanding (Basic)	236	65	63	58
Shares Outstanding (Diluted)	236	65	63	58
Shares Change (YoY)	264.00%	2.86%	9.02%	-
EPS (Basic)	-4.27	-0.39	-3.22	-8.12
EPS (Diluted)	-4.27	-0.39	-3.22	-8.12
Free Cash Flow	32.89	59.33	-167.1	-482.86
Free Cash Flow Growth	-44.56%	-	-	-
Free Cash Flow Per Share	0.14	0.91	-2.65	-8.34
Gross Margin	87.97%	87.60%	82.81%	78.72%
Operating Margin	-47.56%	-3.72%	-18.44%	-47.45%
Profit Margin	-46.18%	-1.51%	-15.89%	-46.61%
FCF Margin	1.50%	3.55%	-13.07%	-47.86%
EBITDA	-1,010	-36.83	-222.85	-471.4
EBITDA Margin	-46.19%	-2.20%	-17.43%	-46.73%
EBIT	-1,040	-62.2	-235.79	-478.7
EBIT Margin	-47.56%	-3.72%	-18.44%	-47.45%
Effective Tax Rate	-0.08%	-11.48%	-0.12%	0.07%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q