NASDAQ : CHYM
Chime Financial, Inc. — Financial statements
Technology · Software - Application · United States
Last price 28.87 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 10.93B
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Financial statements
Chime Financial, Inc. (CHYM) reported revenue of 2.46B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | 2.46B | 2.19B | 1.67B | 1.28B | 1.01B |
| Cost of Revenue | 277.48M | 263.05M | 207.51M | 219.74M | 214.69M |
| Gross Profit | 2.18B | 1.92B | 1.47B | 1.06B | 794.15M |
| Selling, General & Admin | 1.33B | 1.57B | 983.85M | 871.51M | 876.84M |
| Research & Development | 457.18M | 934.92M | 309.57M | 259.00M | 239.88M |
| Operating Expenses | 1.81B | 2.52B | 1.31B | 1.14B | 1.12B |
| Operating Income | 373.73M | -600.06M | 157.49M | -83.41M | -329.86M |
| Interest & Investment Income | 33.79M | 30.87M | 39.47M | 32.82M | 8.11M |
| Other Non Operating Income (Expenses) | -392.12M | -407.32M | -219.69M | -152.38M | -126.71M |
| EBT Excluding Unusual Items | 15.40M | -976.50M | -22.73M | -202.97M | -448.46M |
| Merger & Restructuring Charges | -1.30M | ||||
| Asset Writedown | -20.83M | ||||
| Other Unusual Items | -32.60M | -32.60M | |||
| Pretax Income | -17.20M | -1.01B | -22.73M | -202.97M | -470.59M |
| Income Tax Expense | 994.00K | 831.00K | 2.61M | 234.00K | -337.00K |
| Net Income | -18.19M | -1.01B | -25.34M | -203.20M | -470.25M |
| Net Income to Common | -18.19M | -1.01B | -25.34M | -203.20M | -470.25M |
| Shares Outstanding (Basic) | 378.43M | 236.27M | 64.91M | 63.10M | 57.88M |
| Shares Outstanding (Diluted) | 378.43M | 236.27M | 64.91M | 63.10M | 57.88M |
| EPS (Basic) | -0.05 | -4.27 | -0.39 | -3.22 | -8.12 |
| EPS (Diluted) | -0.05 | -4.27 | -0.39 | -3.22 | -8.12 |
| Free Cash Flow | 312.18M | 32.89M | 59.33M | -167.09M | -482.86M |
| Free Cash Flow Per Share | 0.82 | 0.14 | 0.91 | -2.65 | -8.34 |
| Gross Margin | 88.71% | 87.97% | 87.60% | 82.81% | 78.72% |
| Operating Margin | 15.21% | -27.44% | 9.41% | -6.52% | -32.70% |
| Profit Margin | -0.74% | -46.18% | -1.52% | -15.89% | -46.61% |
| Free Cash Flow Margin | 12.71% | 1.50% | 3.55% | -13.07% | -47.86% |
| EBITDA | 383.88M | -590.46M | 166.36M | -76.17M | -325.96M |
| EBITDA Margin | 15.62% | -27.00% | 9.94% | -5.96% | -32.31% |
| D&A For EBITDA | 10.15M | 9.60M | 8.87M | 7.24M | 3.90M |
| EBIT | 373.73M | -600.06M | 157.49M | -83.41M | -329.86M |
| EBIT Margin | 15.21% | -27.44% | 9.41% | -6.52% | -32.70% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 536.04M | 466.25M | 337.70M | 239.75M | 203.36M |
| Short-Term Investments | 624.78M | 659.41M | 468.69M | 560.88M | 734.61M |
| Cash & Short-Term Investments | 1.16B | 1.13B | 806.38M | 800.63M | 937.97M |
| Accounts Receivable | 143.93M | 130.96M | 111.10M | 105.18M | 59.99M |
| Other Receivables | 143.85M | 126.92M | 105.06M | 71.37M | 63.21M |
| Receivables | 287.77M | 257.88M | 216.16M | 176.55M | 123.20M |
| Prepaid Expenses | 71.08M | 106.75M | 70.46M | 45.96M | 58.14M |
| Restricted Cash | 65.01M | 14.51M | 12.30M | 25.12M | |
| Other Current Assets | 204.82M | 251.20M | 181.72M | 138.70M | 126.91M |
| Total Current Assets | 1.79B | 1.76B | 1.29B | 1.16B | 1.27B |
| Property, Plant & Equipment | 176.29M | 177.75M | 142.03M | 157.50M | 146.21M |
| Goodwill | 27.49M | 27.49M | 27.49M | ||
| Other Long-Term Assets | 3.35M | 3.35M | 4.48M | 914.00K | 200.00K |
| Total Assets | 2.00B | 1.96B | 1.46B | 1.32B | 1.42B |
| Accounts Payable | 36.26M | 38.68M | 35.85M | 22.14M | 20.79M |
| Accrued Expenses | 154.28M | 146.82M | 180.98M | 141.81M | 83.31M |
| Current Portion of Leases | 13.03M | 11.38M | 15.75M | 11.96M | 6.27M |
| Other Current Liabilities | 183.65M | 191.04M | 142.25M | 112.74M | 105.14M |
| Total Current Liabilities | 387.22M | 387.92M | 374.82M | 288.65M | 215.51M |
| Long-Term Leases | 117.85M | 123.28M | 80.59M | 92.93M | 94.54M |
| Other Long-Term Liabilities | 36.76M | 51.69M | 46.11M | 2.16M | 6.66M |
| Total Liabilities | 591.83M | 562.90M | 501.52M | 383.74M | 316.71M |
| Common Stock | 31.00K | 31.00K | 2.00K | 2.00K | 1.00K |
| Additional Paid-In Capital | 4.70B | 4.78B | 433.36M | 384.49M | 353.37M |
| Retained Earnings | -3.29B | -3.37B | -2.36B | -2.34B | -2.14B |
| Comprehensive Income & Other | -548.00K | 172.00K | 203.00K | 720.00K | -6.83M |
| Total Common Equity | 1.40B | 1.40B | -1.93B | -1.95B | -1.79B |
| Shareholders' Equity | 1.40B | 1.40B | 959.52M | 936.51M | 1.10B |
| Total Liabilities & Equity | 2.00B | 1.96B | 1.46B | 1.32B | 1.42B |
| Total Debt | 180.88M | 134.66M | 96.34M | 104.89M | 100.81M |
| Net Cash (Debt) | 979.94M | 991.00M | 710.05M | 695.73M | 837.16M |
| Net Cash Per Share | 2.59 | 4.19 | 10.94 | 11.03 | 14.46 |
| Filing Date Shares Outstanding | 378.59M | 384.10M | 66.95M | 64.39M | 57.88M |
| Total Common Shares Outstanding | 378.67M | 379.93M | 66.95M | 64.39M | 57.88M |
| Working Capital | 1.40B | 1.37B | 912.22M | 873.19M | 1.06B |
| Book Value Per Share | 3.71 | 3.69 | -28.84 | -30.34 | -30.91 |
| Tangible Book Value | 1.38B | 1.37B | -1.96B | -1.95B | -1.79B |
| Tangible Book Value Per Share | 3.64 | 3.62 | -29.25 | -30.34 | -30.91 |
| Machinery | 19.54M | 15.05M | 12.91M | 11.66M | 9.94M |
| Leasehold Improvements | 91.49M | 79.43M | 61.74M | 58.88M | 50.70M |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Net Income | -18.19M | -1.01B | -25.34M | -203.20M | -470.25M |
| Depreciation & Amortization | 10.15M | 9.60M | 8.87M | 7.24M | 3.90M |
| Other Amortization | 20.40M | 20.40M | 16.50M | 5.70M | 3.40M |
| Asset Writedown & Restructuring Costs | 1.90M | 20.83M | |||
| Loss (Gain) From Sale of Investments | -2.89M | -5.13M | -12.53M | -14.76M | 2.91M |
| Stock-Based Compensation | 283.60M | 1.08B | 29.84M | 26.04M | 28.35M |
| Provision & Write-off of Bad Debts | 62.93M | 77.66M | 33.53M | ||
| Other Operating Activities | 33.75M | 112.43M | 115.60M | 159.12M | 135.67M |
| Change in Accounts Receivable | -59.78M | -42.96M | -40.31M | -53.34M | -29.28M |
| Change in Accounts Payable | -15.54M | 2.83M | 13.70M | 1.35M | -5.96M |
| Change in Other Net Operating Assets | 30.58M | -194.19M | -77.63M | -84.74M | -123.70M |
| Operating Cash Flow | 344.99M | 52.78M | 64.14M | -156.59M | -434.13M |
| Capital Expenditures | -32.82M | -19.89M | -4.81M | -10.50M | -48.73M |
| Cash Acquisitions | -13.34M | ||||
| Sale (Purchase) of Intangibles | -3.28M | -8.83M | -9.66M | -17.31M | -24.18M |
| Investment in Securities | -302.75M | -213.75M | 203.91M | 194.83M | 223.45M |
| Investing Cash Flow | -383.44M | -289.69M | 45.66M | 167.01M | 150.54M |
| Issuance of Common Stock | 38.02M | 795.75M | 1.41M | 1.73M | 1.53M |
| Repurchase of Common Stock | -329.41M | -426.94M | -950.00K | -61.00K | -508.00K |
| Other Financing Activities | -905.00K | -1.13M | -830.00K | ||
| Financing Cash Flow | -242.29M | 367.67M | 456.00K | 842.00K | 1.02M |
| Net Cash Flow | -280.74M | 130.76M | 110.25M | 11.26M | -282.57M |
| Free Cash Flow | 312.18M | 32.89M | 59.33M | -167.09M | -482.86M |
| Free Cash Flow Margin | 12.71% | 1.50% | 3.55% | -13.07% | -47.86% |
| Free Cash Flow Per Share | 0.82 | 0.14 | 0.91 | -2.65 | -8.34 |
| Levered Free Cash Flow | 437.65M | 564.92M | 102.12M | -1.37M | |
| Unlevered Free Cash Flow | 437.65M | 564.92M | 102.12M | -1.37M | |
| Cash Interest Paid | 436.00K | 330.00K | 467.00K | 54.00K | |
| Cash Income Tax Paid | 1.10M | 1.13M | 2.18M | 275.00K | 208.00K |
| Change in Working Capital | -44.75M | -234.32M | -104.23M | -136.73M | -158.94M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Market Capitalization | 10.58B | 9.43B | |||
| Enterprise Value | 9.60B | 8.38B | |||
| Last Close Price | 27.95 | 25.17 | |||
| Forward PE | 41.78 | 250.56 | |||
| PS Ratio | 4.31 | 4.31 | |||
| PB Ratio | 7.53 | 6.73 | |||
| P/TBV Ratio | 7.68 | 6.86 | |||
| P/FCF Ratio | 33.90 | 286.63 | |||
| P/OCF Ratio | 30.67 | 178.63 | |||
| EV/Sales Ratio | 3.91 | 3.83 | |||
| EV/FCF Ratio | 30.76 | 254.71 | |||
| Debt / Equity Ratio | 0.13 | 0.10 | 0.10 | 0.11 | 0.09 |
| Debt / EBITDA Ratio | 0.44 | 0.52 | |||
| Debt / FCF Ratio | 0.58 | 4.09 | 1.62 | ||
| Net Debt / Equity Ratio | -0.70 | -0.71 | -0.74 | -0.74 | -0.76 |
| Net Debt / EBITDA Ratio | -2.55 | 1.68 | -4.27 | 9.13 | 2.57 |
| Net Debt / FCF Ratio | -3.14 | -30.13 | -11.97 | 4.16 | 1.73 |
| Asset Turnover | 1.26 | 1.28 | 1.20 | 0.93 | |
| Quick Ratio | 3.74 | 3.57 | 2.73 | 3.38 | 4.92 |
| Current Ratio | 4.62 | 4.53 | 3.43 | 4.03 | 5.90 |
| Return on Equity (ROE) | -1.28% | -85.54% | -2.67% | -19.95% | |
| Return on Assets (ROA) | 11.98% | -21.90% | 7.08% | -3.81% | |
| Return on Capital Employed (ROCE) | 23.20% | -38.10% | 14.50% | -8.10% | -27.40% |
| Earnings Yield | -0.19% | -10.71% | |||
| FCF Yield | 2.95% | 0.35% | |||
| Buyback Yield / Dilution | -368.14% | -264.00% | -2.86% | -9.02% |