Chime Financial, Inc. CHYM
We created Chime to help everyday people make progress in their financial lives. For too long, millions of Americans, including the nearly 75% of the adult population that earn up to $100,000 annually, have struggled with bank relationships that are not always aligned with their best interests. So we set out to create a new approach, built on a foundation of trust rather than fine print and punitive fees. Through our direct relationships with FDIC-insured bank partners, we deliver easy-to-use products that address the most critical financial needs of everyday people — spending, saving, accessing liquidity, and building credit, all while avoiding punitive fees.
Since our founding, we are proud to have created some of the most impactful product innovations in consumer banking and payments. Through our broad suite of products, we have built trusted relationships with 9.5 million Active Members, with the majority of them relying on Chime to serve as their primary financial relationship as of December 31, 2025. Being the primary account relationship for our members establishes Chime as their central financial hub, and we believe these relationships are the most valuable in consumer financial services. As the central hub, Chime becomes the platform through which members consistently deposit their paychecks and conduct their everyday spend, creating durable and long-lasting relationships with high engagement.
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue | $2.19B | $1.67B | $1.28B | — |
| Cost of revenue | $263.0M | $207.5M | $219.7M | — |
| Gross profit | $1.92B | $1.47B | $1.06B | — |
| R&D | $934.9M | $309.6M | $259.0M | — |
| SG&A | $512.1M | $177.2M | $154.9M | — |
| Total operating expenses | $2.96B | $1.53B | $1.29B | — |
| Operating income | -$1.04B | -$62.2M | -$235.8M | — |
| Pre-tax income | -$1.01B | -$22.7M | -$203.0M | — |
| Income tax | $831.0K | $2.6M | $234.0K | — |
| Net income | -$1.01B | -$25.3M | -$203.2M | — |
| EPS, basic | -4.27 | -0.39 | -3.22 | — |
| EPS, diluted | -4.27 | -0.39 | -3.22 | — |
| Shares, diluted (wtd. avg.) | 236.3M | 64.9M | 63.1M | — |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Cash and equivalents | $466.3M | $337.7M | $239.7M | — |
| Short-term investments | $587.8M | $368.9M | — | — |
| Receivables | $257.9M | $216.2M | — | — |
| Total current assets | $1.76B | $1.29B | — | — |
| Goodwill | $27.5M | $27.5M | — | — |
| Other intangibles | $27.5M | — | — | — |
| Total assets | $1.96B | $1.46B | — | — |
| Accounts payable | $38.7M | $35.8M | — | — |
| Total current liabilities | $387.9M | $374.8M | — | — |
| Total liabilities | $562.9M | $501.5M | — | — |
| Retained earnings | -$3.37B | -$2.36B | — | — |
| Total equity | $1.40B | -$1.93B | -$1.95B | -$1.79B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Operating cash flow | $52.8M | $64.1M | -$156.6M | — |
| Depreciation and amortisation | $30.0M | $25.4M | $12.9M | — |
| Stock-based compensation | $1.07B | $29.8M | $26.0M | — |
| Capital expenditure | $19.9M | $4.8M | $10.5M | — |
| Investing cash flow | -$289.7M | $45.7M | $167.0M | — |
| Financing cash flow | $367.7M | $456.0K | $842.0K | — |
| Buybacks | $77.5M | $950.0K | $61.0K | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001795586-26-000028.
Plot the figures US dollars
- Revenue
- Gross profit
- Net income
| Fiscal year | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | — | $1.28B | $1.67B | $2.19B |
| Gross profit | — | $1.06B | $1.47B | $1.92B |
| Net income | — | -$203.2M | -$25.3M | -$1.01B |
Recent filings and events
- Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
- Restructuring or exit costs A restructuring: layoffs, a plant closure, a business being wound down. Item 2.05
- Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
- Shareholder vote The results of the annual meeting or a special vote. Item 5.07
- Results announced Item 2.02
- Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
- Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
- Results announced Item 2.02
- Officer or director change Item 5.02
- Results announced Item 2.02
- Other event Item 8.01
- Results announced Item 2.02
Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.
Others in SIC 6199
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|---|---|---|---|---|
| AXP | AMERICAN EXPRESS CO | $211.52B | 20.4x | 6.4% |
| MSTR | Strategy Inc | $51.47B | — | 3.0% |
| COIN | Coinbase Global, Inc. | $43.32B | 37.0x | 9.4% |
| SYF | Synchrony Financial | $23.96B | 7.9x | — |
| CRCL | Circle Internet Group, Inc. | $21.32B | — | 624.0% |
| SOFI | SoFi Technologies, Inc. | $18.88B | 37.5x | 23.1% |
| BMNR | BITMINE IMMERSION TECHNOLOGIES, INC. | $13.51B | 1.7x | 84.1% |
| IREN | IREN Ltd | $8.90B | — | 41.1% |