Chime Financial, Inc. (CHYM) Financial Statements
Chime Financial financial statements at a glance
Chime Financial reported revenue of $2.19 billion for fiscal year 2025 (ended December 31, 2025), up 30.7% from fiscal year 2024. Net income was -$1.01 billion, a net margin of 46.2% loss.
At the end of fiscal year 2025 it had total assets of $1.96 billion, total liabilities of $562.90 million and shareholders' equity of $1.40 billion, with cash and short-term investments of $1.05 billion and total debt of $134.67 million.
Its operations brought in $52.78 million of cash; capital spending was $28.72 million, leaving free cash flow of $24.06 million.
The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 4 fiscal years are at the bottom of the page.
Figures from company filings, in USD; latest fiscal year ended December 31, 2025.
Chime Financial, Inc.
Income Statement
Annual • USD
Chime Financial key figures by fiscal year
| FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|
| Revenue | $2.2B | $1.7B | $1.3B | $1.0B |
| Gross profit | $1.9B | $1.5B | $1.1B | $794.2M |
| Operating income | -$1.0B | -$62.2M | -$235.8M | -$478.7M |
| Net income | -$1.0B | -$25.3M | -$203.2M | -$470.3M |
| Diluted EPS | – | -$2.33 | -$0.61 | -$1.41 |
| Total assets | $2.0B | $1.5B | $1.3B | $1.4B |
| Total liabilities | $562.9M | $501.5M | $383.7M | $316.7M |
| Shareholders' equity | $1.4B | $959.5M | $936.5M | $1.1B |
| Cash and short-term investments | $1.1B | $706.6M | $800.6M | $938.0M |
| Total debt | $134.7M | $96.3M | $104.9M | $100.8M |
| Operating cash flow | $52.8M | $64.1M | -$156.6M | -$434.1M |
| Capital spending | $28.7M | $14.5M | $27.8M | $72.9M |
| Free cash flow | $24.1M | $49.7M | -$184.4M | -$507.0M |
In USD. Fiscal years as reported by the company; statements on this page go back to fiscal year 2022.
Questions and answers
What was Chime Financial's revenue in fiscal year 2025?
$2.19 billion, up 30.7% from $1.67 billion in fiscal year 2024.
How much profit does Chime Financial make?
Chime Financial reported net income of -$1.01 billion for fiscal year 2025 (46.2% of revenue); operating income was -$1.04 billion.
How much cash and debt does Chime Financial have?
At the end of fiscal year 2025: cash and short-term investments of $1.05 billion and total debt of $134.67 million.
What is Chime Financial's free cash flow?
$24.06 million in fiscal year 2025 (operating cash flow of $52.78 million minus capital spending of $28.72 million).
