Chime Financial, Inc. (CHYM)

NASDAQ: CHYM · Real-Time Price · USD

27.07

+0.61 (2.31%)

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

27.17

+0.10 (0.37%)

After-hours: Sep 24, 2026, 7:40 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	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Revenue	2,457	2,187	1,673	1,278	1,009
Revenue Growth	26.39%	30.69%	30.88%	26.73%	-
Gross Profit	2,180	1,924	1,466	1,059	794.15
Operating Income	373.73	-600.06	157.49	-83.41	-329.86
Net Income	-18.19	-1,010	-25.34	-203.2	-470.25
Earnings Per Share	-0.05	-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	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Payments	1,622	1,501	1,277	1,021	806.93
Platform-Related	835.21	686.21	396.67	257.3	201.91
Revenue (Total)	2,457	2,187	1,673	1,278	1,009

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Investments	1,161	1,126	806.39	800.63	937.97
Total Debt	180.88	134.67	96.34	104.89	100.81
Net Cash (Debt)	979.94	991	710.05	695.73	837.17
Net Cash Growth	-12.47%	39.57%	2.06%	-16.89%	-
Net Cash Per Share	2.59	4.19	10.94	11.03	14.46

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Operating Cash Flow	344.99	52.78	64.14	-156.59	-434.13
Capital Expenditures	-32.82	-19.89	-4.81	-10.5	-48.73
Free Cash Flow	312.18	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	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Gross Margin	88.71%	87.97%	87.60%	82.81%	78.72%
Operating Margin	15.21%	-27.44%	9.41%	-6.52%	-32.70%
Pretax Margin	-0.70%	-46.15%	-1.36%	-15.88%	-46.65%
Profit Margin	-0.74%	-46.18%	-1.52%	-15.89%	-46.61%
FCF Margin	12.71%	1.50%	3.55%	-13.07%	-47.86%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Forward PE	40.85	250.56	-	-	-
P/FCF Ratio	32.83	286.63	-	-	-
PS Ratio	4.17	4.31	-	-	-