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Chime Financial, Inc.

CHYM Clue Score31
United States Fiscal year ends December CIK 0001795586
$30.08 +3.87% Close, 9 Oct 2026
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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

Ratios

Percentages worked out from the filed figures; debt to equity in times. 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
Margins
82.8% 87.6% 88.0%
−18.4% −3.7% −47.6%
−15.9% −1.4% −46.1%
−15.9% −1.5% −46.2%
−13.1% 3.5% 1.5%
Spending
20.3% 18.5% 42.8%
12.1% 10.6% 23.4%
0.8% 0.3% 0.9%
Returns
n/a n/a −72.1%
n/a −1.7% −51.4%
Balance and payout
n/a 34.3% 28.7%
n/a 1.6% 235.7%