Chime Financial, Inc. (CHYM)

Chime Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	2,315	2,187	1,673	1,278	1,009
Revenue Growth (YoY)	28.63%	30.69%	30.88%	26.73%	-
Cost of Revenue	269.7	263.05	207.51	219.74	214.69
Gross Profit	2,046	1,924	1,466	1,059	794.15
Selling, General & Admin	1,678	1,605	983.85	871.51	896.41
Depreciation & Amortization Expenses	16.34	15.98	14.85	11.62	7.3
Research & Development	966.82	934.93	309.58	259	242.43
Other Operating Expenses	387.08	407.32	219.69	152.38	126.71
Total Operating Expenses	3,049	2,964	1,528	1,295	1,273
Operating Income	-1,003	-1,040	-62.2	-235.79	-478.7
Total Non-Operating Income (Expense)	33.27	30.87	39.47	32.82	8.11
Pretax Income	-969.69	-1,009	-22.73	-202.97	-470.59
Provision for Income Taxes	-0.27	0.83	2.61	0.23	-0.34
Net Income	-869.92	-1,010	-25.34	-203.2	-470.25
Net Income to Common	-869.92	-1,010	-25.34	-203.2	-470.25
Shares Outstanding (Basic)	314	236	65	63	58
Shares Outstanding (Diluted)	319	236	65	63	58
Shares Change (YoY)	388.31%	264.00%	2.86%	9.02%	-
EPS (Basic)	-7.42	-4.27	-0.39	-3.22	-8.12
EPS (Diluted)	-7.43	-4.27	-0.39	-3.22	-8.12
Shares Outstanding	382.6	379.93	66.95	64.4	62.77
Free Cash Flow	141.1	32.89	59.33	-167.1	-482.86
Free Cash Flow Growth	328.95%	-44.56%	-	-	-
Free Cash Flow Per Share	0.44	0.14	0.91	-2.65	-8.34
Gross Margin	88.35%	87.97%	87.60%	82.81%	78.72%
Operating Margin	-43.32%	-47.56%	-3.72%	-18.44%	-47.45%
Profit Margin	-41.87%	-46.18%	-1.51%	-15.89%	-46.61%
FCF Margin	6.09%	1.50%	3.55%	-13.07%	-47.86%
EBITDA	-972.55	-1,010	-36.83	-222.85	-471.4
EBITDA Margin	-42.00%	-46.19%	-2.20%	-17.43%	-46.73%
EBIT	-1,003	-1,040	-62.2	-235.79	-478.7
EBIT Margin	-43.32%	-47.56%	-3.72%	-18.44%	-47.45%
Effective Tax Rate	0.03%	-0.08%	-11.48%	-0.12%	0.07%

Updated May 7, 2026. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q