Chime Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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%	-
Cost of Revenue	280.01	263.05	207.51	219.74	214.69
Gross Profit	2,352	1,924	1,466	1,059	794.15
Selling, General & Admin	1,390	1,573	983.85	871.51	876.84
Research & Development	452.67	934.93	309.58	259	239.88
Operating Expenses	1,860	2,524	1,308	1,142	1,124
Operating Income	491.32	-600.06	157.49	-83.41	-329.86
Interest & Investment Income	30.87	30.87	39.47	32.82	8.11
Other Non Operating Income (Expenses)	-408.38	-407.32	-219.69	-152.38	-126.71
EBT Excluding Unusual Items	113.82	-976.51	-22.73	-202.97	-448.46
Merger & Restructuring Charges	-	-	-	-	-1.3
Asset Writedown	-	-	-	-	-20.83
Other Unusual Items	-32.6	-32.6	-	-	-
Pretax Income	81.22	-1,009	-22.73	-202.97	-470.59
Income Tax Expense	0.96	0.83	2.61	0.23	-0.34
Net Income	80.25	-1,010	-25.34	-203.2	-470.25
Net Income to Common	80.25	-1,010	-25.34	-203.2	-470.25
Net Income Growth	-	-	-	-	-
Shares Outstanding (Basic)	380	236	65	63	58
Shares Outstanding (Diluted)	393	236	65	63	58
Shares Change	149.42%	264.00%	2.86%	9.02%	-
EPS (Basic)	0.21	-4.27	-0.39	-3.22	-8.12
EPS (Diluted)	0.20	-4.27	-0.39	-3.22	-8.12
EPS Growth	-	-	-	-	-

Additional Metrics

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
Free Cash Flow	418.09	32.89	59.33	-167.1	-482.86
Free Cash Flow Per Share	1.06	0.14	0.91	-2.65	-8.34
Gross Margin	89.36%	87.97%	87.60%	82.81%	78.72%
Operating Margin	18.67%	-27.44%	9.41%	-6.52%	-32.70%
Profit Margin	3.05%	-46.18%	-1.52%	-15.89%	-46.61%
Free Cash Flow Margin	15.89%	1.50%	3.55%	-13.07%	-47.86%
EBITDA	501.9	-590.46	166.36	-76.17	-325.96
EBITDA Margin	19.07%	-27.00%	9.94%	-5.96%	-32.31%
D&A For EBITDA	10.58	9.6	8.87	7.24	3.9
EBIT	491.32	-600.06	157.49	-83.41	-329.86
EBIT Margin	18.67%	-27.44%	9.41%	-6.52%	-32.70%

SEC Filings: 10-K · 10-Q