Chime Financial, Inc. (CHYM)

NASDAQ: CHYM · Real-Time Price · USD

20.69

-0.07 (-0.34%)

At close: Jul 24, 2026, 4:00 PM EDT

20.60

-0.09 (-0.43%)

After-hours: Jul 24, 2026, 7:34 PM EDT

Chime Financial Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Revenue	2,315	2,187	1,673	1,278	1,009
Revenue Growth	28.63%	30.69%	30.88%	26.73%	-
Gross Profit	2,046	1,924	1,466	1,059	794.15
Operating Income	46.16	-1,040	-62.2	-235.79	-478.7
Net Income	-869.92	-1,010	-25.34	-203.2	-470.25
Earnings Per Share	-7.43	-4.27	-0.39	-3.22	-8.12
EPS Growth	-	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Payments	1,558	1,501	1,277	1,021	806.93
Platform-Related	757.52	686.21	396.67	257.3	201.91
Revenue (Total)	2,315	2,187	1,673	1,278	1,009

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Investments	1,011	1,054	706.59	800.63	800.63
Total Debt	120.61	123.28	80.59	92.93	92.93
Net Cash (Debt)	890.67	930.8	626	707.7	707.7
Net Cash Growth	54.31%	48.69%	-11.54%	0%	-
Net Cash Per Share	2.79	3.94	9.64	11.21	12.23

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Operating Cash Flow	166.01	52.78	64.14	-156.59	-434.13
Capital Expenditures	-24.92	-19.89	-4.81	-10.5	-48.73
Free Cash Flow	141.1	32.89	59.33	-167.1	-482.86
Free Cash Flow Growth	-	-44.56%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Gross Margin	88.35%	87.97%	87.60%	82.81%	78.72%
Operating Margin	1.99%	-47.56%	-3.72%	-18.44%	-47.45%
Pretax Margin	-37.60%	-46.15%	-1.36%	-15.88%	-46.65%
Profit Margin	-37.57%	-46.18%	-1.51%	-15.89%	-46.61%
FCF Margin	6.09%	1.50%	3.55%	-13.07%	-47.86%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul '26 Jul 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Forward PE	51.97	250.56	-	-	-
P/FCF Ratio	55.87	290.73	-	-	-
PS Ratio	3.40	4.37	-	-	-