Chime Financial, Inc.

Listed Company

CHYMCIK 0001795586NasdaqNon-AcceleratedFinance ServicesDelawareFY ends Dec 31

Period

FY 2025

Revenue

$2.19B

Net Income

$-1.01B

Total Assets

$1.96B

Equity

$1.40B

Shares Out

Op. Cash Flow

$52.78M

Business

Chime Financial, Inc. is a publicly listed company in Finance Services, incorporated in Delaware. Common stock trades on Nasdaq under the ticker CHYM.

Auto-generated from company profile

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Revenue	2,187	1,673	1,278
Cost of revenue	263	208	220
Gross profit	1,924	1,466	1,059
Transaction and risk losses	407	220	152
Member support and operations	458	287	273
Sales and marketing	635	520	444
Technology and development	935	310	259
General and administrative	512	177	155
Depreciation and amortization	16	15	12
Total operating expenses	2,964	1,528	1,295
Loss from operations	−1,040	−62	−236
Other income, net	31	39	33
Income (loss) before income taxes	−1,009	−23	−203
Provision for income taxes	831,000	3	234,000
Net loss	−1,010	−25	−203
Net loss per share, basic (in usd per share)	−4.27	−0.39	−3.22
Net loss per share, diluted (in usd per share)	−4.27	−0.39	−3.22
Weighted average number of common shares outstanding used to compute net loss per share, basic (in shares)	236	65	63
Weighted average number of common shares outstanding used to compute net loss per share, diluted (in shares)	236	65	63

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31
Cash and cash equivalents	466	338	240	—
Restricted cash	15	12	0	—
Marketable securities	588	369	—	—
Product collateral	251	182	—	—
Accounts receivable, net	258	216	—	—
Loans held for investment, net	72	100	—	—
Prepaid expenses and other current assets	107	70	—	—
Total current assets	1,756	1,287	—	—
Property, equipment and software, net	94	93	—	—
Operating lease right of use assets, net	83	49	—	—
Other assets	31	32	—	—
Total assets	1,965	1,461	—	—
Accounts payable	39	36	—	—
Accrued and other current liabilities	202	225	—	—
Product obligation	147	114	—	—
Total current liabilities	388	375	—	—
Operating lease liabilities, net of current portion	123	81	—	—
Other non-current liabilities	52	46	—	—
Total liabilities	563	502	—	—
Commitments and contingencies (Note 18)	—	—	—	—
Redeemable convertible preferred stock, $0.0001 par value: No shares authorized, issued, and outstanding as of December 31, 2025. 258,613,394 shares authorized and 258,464,156 shares issued and outstanding with a liquidation preference of $2,894,515 as of December 31, 2024.	0	2,890	2,890	2,890
Preferred stock, $0.0001 par value: 100,000,000 shares authorized, no shares issued and outstanding as of December 31, 2025. No shares authorized, issued, and outstanding as of December 31, 2024.	0	0	—	—
Additional paid-in capital	4,776	433	—	—
Accumulated other comprehensive income	172,000	203,000	—	—
Accumulated deficit	−3,374	−2,364	—	—
Total stockholders equity (deficit)	1,402	−1,931	−1,954	−1,789
Total liabilities, redeemable convertible preferred stock, and stockholders equity (deficit)	1,965	1,461	—	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Depreciation and amortization	30	25	13
Non-cash lease expense	7	6	5
Stock-based compensation	1,071	30	26
Stock-based charitable contribution	11	0	0
Provision for transaction dispute losses	64	51	67
Change in fair value of product obligation	42	59	85
Provision for credit losses	78	34	0
Impairment related to real estate assets and internal-use software	0	2	0
Amortization of premium on marketable securities	−5	−13	−15
Other	−94,000	97,000	1
Product collateral	−69	−43	−12
Accounts receivable, net	−43	−40	−53
Prepaid expenses and other assets	−24	−24	12
Accounts payable	3	14	1
Accrued and other liabilities	−77	34	−11
Operating lease liabilities	−15	−10	2
Settlements of the product obligation	−9	−34	−76
Cash flows (used in) provided by operating activities	53	64	−157
Purchase of marketable securities	−735	−498	−611
Proceeds from sales of marketable securities	257	193	0
Proceeds from maturities of marketable securities	265	508	805
Purchases of loans held for investment	−4,940	−1,860	0
Repayments of loans held for investment	4,893	1,729	0
Purchase of property, equipment and software	−20	−5	−11
Capitalization of internal-use software	−9	−10	−17
Acquisition of business, net of cash acquired	0	−13	0
Cash flows (used in) provided by investing activities	−290	46	167
Payment of debt issuance costs related to credit facilities	−1	0	−830,000
Proceeds from the issuance of common stock upon initial public offering, net of underwriting discounts and offering costs paid	771	0	0
Taxes paid related to net share settlement of restricted stock units	−349	0	0
Proceeds from exercise of stock options	25	1	2
Repurchases of common stock	−78	−950,000	−61,000
Cash flows provided by financing activities	368	456,000	842,000
Net increase in cash and cash equivalents and restricted cash	131	110	11
Cash paid for interest	330,000	467,000	54,000
Cash paid for income taxes, net of refunds received	1	2	275,000
Vesting of early exercised stock options	0	0	3
Reclassification of deferred offering costs to additional paid-in capital upon initial public offering	15	0	0
Conversion of redeemable convertible preferred stock to common stock in connection with initial public offering	2,890	0	0
Purchases of property, equipment and software in accounts payable	0	0	98,000
Right-of-use assets obtained in exchange for lease obligations	53	0	0

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