InsiderClue
Stocks · Financials · Finance Services

Chime Financial, Inc.

CHYM Clue Score31
United States Fiscal year ends December CIK 0001795586
$30.08 +3.87% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $30.08 +41.39% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Jun 2025. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2023Revenue1,278.5Operating income−235.8Net income−203.2EPS, diluted−3.22Fiscal year 2024Revenue1,673.3 +30.9%Operating income−62.2Net income−25.3EPS, diluted−0.39Fiscal year 2025Revenue2,186.8 +30.7%Operating income−1,040.0Net income−1,009.9EPS, diluted−4.27
FY2023FY2024FY2025
Revenue 1,278.5 1,673.3 2,186.8
Growth +30.9% +30.7%
Operating income −235.8 −62.2 −1,040.0
Net income −203.2 −25.3 −1,009.9
Growth
EPS, diluted −3.22 −0.39 −4.27

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2023Gross margin82.8%Operating margin−18.4%Net margin−15.9%Free cash flow margin−13.1%Fiscal year 2024Gross margin87.6%Operating margin−3.7%Net margin−1.5%Free cash flow margin3.5%Fiscal year 2025Gross margin88.0%Operating margin−47.6%Net margin−46.2%Free cash flow margin1.5%
FY2023FY2024FY2025
Gross margin 82.8% 87.6% 88.0%
Operating margin −18.4% −3.7% −47.6%
Net margin −15.9% −1.5% −46.2%
Free cash flow margin −13.1% 3.5% 1.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2023Operating cash flow−156.6Capital expenditure−10.5Free cash flow−167.1Buybacks−0.1Fiscal year 2024Operating cash flow64.1Capital expenditure−4.8Free cash flow59.3Buybacks−1.0Fiscal year 2025Operating cash flow52.8Capital expenditure−19.9Free cash flow32.9 −44.6%Buybacks−77.5
FY2023FY2024FY2025
Operating cash flow −156.6 64.1 52.8
Capital expenditure −10.5 −4.8 −19.9
Free cash flow −167.1 59.3 32.9
Growth −44.6%
Buybacks −0.1 −1.0 −77.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2023Cash239.7Shareholders’ equity−1,953.6Fiscal year 2024Cash337.7Shareholders’ equity−1,930.6Fiscal year 2025Cash466.3Shareholders’ equity1,401.7
FY2023FY2024FY2025
Cash 239.7 337.7 466.3
Shareholders’ equity −1,953.6 −1,930.6 1,401.7

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025† 31 Dec 2025
Revenue and profit
1,278.5 1,673.3 2,186.8
Growth +30.9% +30.7%
219.7 207.5 263.0
1,058.7 1,465.8 1,923.7
Growth +38.4% +31.2%
259.0 309.6 934.9
154.9 177.2 512.1
−235.8 −62.2 −1,040.0
Growth
−203.0 −22.7 −1,009.1
0.2 2.6 0.8
−203.2 −25.3 −1,009.9
Growth
Per share
−3.22 −0.39 −4.27
−3.22 −0.39 −4.27
Growth
63.1 64.9 236.3
63.1 64.9 236.3
Growth +2.9% +264.0%

† The diluted share count jumps at 2025, so per-share figures either side of that column are not comparable. Usually a split, but the break lands on the restatement boundary rather than on the split date, because every column is that period’s latest filing.

Five years in brief

Worked out from the figures above, not from a press release
  • A net loss in 3 of 3 years on file.