CHYM · Chime Financial, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Price · CHYM
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|
| Revenue | $647.39M | - | $543.52M | $384.21M | - | - | - |
| Cost of Revenue | $60.42M | - | $69.40M | $50.50M | - | - | - |
| Gross Profit | $458.33M | - | $368.36M | $333.71M | - | - | - |
| R&D | $109.78M | - | $123.94M | $75.37M | - | - | - |
| SG&A | $47.17M | - | $46.65M | $279.67M | - | - | - |
| Total Operating Expenses | $449.19M | - | $399.00M | $343.15M | - | - | - |
| D&A | $7.26M | - | $6.90M | $6.10M | - | - | - |
| Operating Income | $46.16M | - | ($64.71M) | ($930.64M) | - | - | - |
| Interest Expense | - | - | - | - | - | - | - |
| Income Tax | $455.0K | - | $2.20M | $78.0K | - | - | - |
| Net Income | $53.46M | - | ($22.03M) | $385.0K | - | - | - |
| EPS - Basic | $0.14 | - | ($0.15) | ($7.29) | - | - | - |
| EPS - Diluted | $0.13 | - | ($0.15) | $0.00 | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $607.68M | $466.25M | $270.82M | $295.42M | $350.00M | $239.75M | - |
| Accounts Receivable | $294.34M | $257.88M | $237.65M | $216.16M | - | - | - |
| Inventory | - | - | - | - | - | - | - |
| Accounts Payable | $37.92M | $38.68M | $40.03M | $51.80M | - | - | - |
| Current Assets | $1.74B | $1.76B | $1.76B | $1.29B | - | - | - |
| Total Assets | $1.95B | $1.96B | $1.96B | $1.90B | - | - | - |
| Current Liabilities | $344.10M | $387.92M | $355.92M | $359.70M | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - |
| Total Liabilities | $508.94M | $562.90M | $519.04M | $474.38M | - | - | - |
| Stockholders' Equity | $1.44B | $1.40B | $1.44B | ($1.93B) | - | - | ($1.79B) |
| Retained Earnings | ($3.32B) | ($3.37B) | ($3.33B) | ($2.36B) | - | - | - |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($25.75M) | - | - | - | - | - | - |
| Investing Cash Flow | $6.70M | - | - | - | - | - | - |
| Financing Cash Flow | ($73.36M) | - | - | - | - | - | - |
| CapEx | $1.59M | - | - | - | - | - | - |
| Free Cash Flow | ($27.34M) | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '24 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|
| Profitability | |||||||
| Gross margin | 70.8% | - | 67.8% | 86.9% | - | - | - |
| Operating margin | 7.1% | - | -11.9% | -242.2% | - | - | - |
| EBITDA margin | 8.3% | - | -10.6% | -240.6% | - | - | - |
| Net margin | 8.3% | - | -4.1% | 0.1% | - | - | - |
| Free cash flow margin | -4.2% | - | - | - | - | - | - |
| FCF / Net income | -0.51 | - | - | - | - | - | - |
| R&D / Revenue | 17.0% | - | 22.8% | 19.6% | - | - | - |
| SG&A / Revenue | 7.3% | - | 8.6% | 72.8% | - | - | - |
| Effective tax rate | 0.8% | - | - | 16.8% | - | - | - |
| Return on assets | 2.7% | - | -1.1% | 0.0% | - | - | - |
| Return on equity | 3.7% | - | -1.5% | -0.0% | - | - | - |
| Return on invested capital | - | - | - | - | - | - | - |
| Liquidity | |||||||
| Current ratio | 5.07 | 4.53 | 4.94 | 3.58 | - | - | - |
| Quick ratio | 5.07 | 4.53 | 4.94 | 3.58 | - | - | - |
| Cash ratio | 1.77 | 1.20 | 0.76 | 0.82 | - | - | - |
| Leverage | |||||||
| Debt / Equity | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - |
| Equity multiplier | 1.35 | 1.40 | 1.36 | -0.98 | - | - | - |
| Liabilities / Assets | 0.26 | 0.29 | 0.26 | 0.25 | - | - | - |
| Efficiency | |||||||
| Asset turnover | 0.33 | - | 0.28 | 0.20 | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - |
| Days sales outstanding | 166d | - | 160d | 205d | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - |
| Days payable outstanding | 229d | - | 211d | 374d | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - |
| Valuation | |||||||
| P / E | 144.1x | - | - | - | - | - | - |
| P / B | 0.9x | - | 5.2x | - | - | - | - |
| P / S | 1.9x | - | 13.8x | 5.8x | - | - | - |
| EV / EBITDA | 11.7x | - | - | - | - | - | - |
| Growth | |||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | - | - | - | - |
| Net income growth (YoY) | - | - | - | - | - | - | - |
| EPS growth (YoY) | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - |
| Book value growth (YoY) | - | - | - | - | - | - | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$2.52B totalPayments Revenue$1.50B · 59.5%
Platform Related Revenue$686.21M · 27.2%
My Pay$333.50M · 13.2%
Peer comparison
Same SIC group: Finance Services
Comparing Chime Financial against the 5 most active filers in the same SIC group.