Chime Financial, Inc. (CHYM)

NASDAQ: CHYM · Real-Time Price · USD

29.87

+1.67 (5.92%)

At close: Nov 4, 2026, 4:00 PM EST

32.00

+2.13 (7.13%)

Pre-market: Nov 5, 2026, 4:57 AM EST

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	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Revenue	2,632	2,187	1,673	1,278	1,009
Revenue Growth	27.40%	30.69%	30.88%	26.73%	-
Gross Profit	2,352	1,924	1,466	1,059	794.15
Operating Income	491.32	-600.06	157.49	-83.41	-329.86
Net Income	80.25	-1,010	-25.34	-203.2	-470.25
Earnings Per Share	0.20	-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	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Payments	1,703	1,501	1,277	1,021	806.93
Platform-Related	928.85	686.21	396.67	257.3	201.91
Revenue (Total)	2,632	2,187	1,673	1,278	1,009

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Cash & Investments	1,275	1,126	806.39	800.63	937.97
Total Debt	215.12	134.67	96.34	104.89	100.81
Net Cash (Debt)	1,060	991	710.05	695.73	837.17
Net Cash Growth	0.98%	39.57%	2.06%	-16.89%	-
Net Cash Per Share	2.70	4.19	10.94	11.03	14.46

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 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	453.58	52.78	64.14	-156.59	-434.13
Capital Expenditures	-35.49	-19.89	-4.81	-10.5	-48.73
Free Cash Flow	418.09	32.89	59.33	-167.1	-482.86
Free Cash Flow Growth	1240.36%	-44.56%	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Gross Margin	89.36%	87.97%	87.60%	82.81%	78.72%
Operating Margin	18.67%	-27.44%	9.41%	-6.52%	-32.70%
Pretax Margin	3.09%	-46.15%	-1.36%	-15.88%	-46.65%
Profit Margin	3.05%	-46.18%	-1.52%	-15.89%	-46.61%
FCF Margin	15.89%	1.50%	3.55%	-13.07%	-47.86%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Nov '26 Nov 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Forward PE	37.50	250.56	-	-	-
P/FCF Ratio	27.05	286.63	-	-	-
PS Ratio	4.30	4.31	-	-	-