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    CHYM

    Chime Financial, Inc.

    Company overview

    Market capitalization
    $10.10B
    Employees
    1,519
    Latest publication
    2026-09-29
    About Chime Financial, Inc.

    Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ1 20252025-03-31 · USDQ1 20242024-03-31 · USD
    Total Revenue669,768,000USD647,387,000USD518,744,000USD391,972,000USD
    Cost Of Revenue74,895,000USD78,907,000USD60,418,000USD47,447,000USD
    Gross Profit594,873,000USD568,480,000USD458,326,000USD344,525,000USD
    Research Development112,111,000USD109,780,000USD77,882,000USD74,930,000USD
    Selling General Administrative80,142,000USD70,467,000USD47,173,000USD39,252,000USD
    Selling And Marketing Expenses164,159,000USD165,431,000USD132,573,000USD117,047,000USD
    General And Administrative Expenses80,142,000USD———
    Total Operating Expenses573,551,000USD522,317,000USD449,189,000USD339,493,000USD
    Operating Income21,322,000USD46,163,000USD9,137,000USD5,032,000USD
    Total Other Income Expense Net6,741,000USD7,748,000USD5,354,000USD10,509,000USD
    Income Before Tax28,063,000USD53,911,000USD14,491,000USD15,541,000USD
    Income Tax Expense213,000USD455,000USD1,552,000USD-362,000USD
    Net Income27,850,000USD53,456,000USD12,939,000USD15,903,000USD
    Net Income Applicable To Common Shares27,850,000USD———
    Unclassified Operating Expenses—176,639,000USD191,561,000USD108,264,000USD
    Tax Provision—455,000USD1,552,000USD-362,000USD
    Net Income From Continuing Ops—53,456,000USD12,939,000USD15,903,000USD
    Ebit—53,911,000USD9,137,000USD5,032,000USD
    Ebitda—61,576,000USD16,395,000USD10,266,000USD
    Depreciation And Amortization—7,665,000USD7,258,000USD5,234,000USD
    Reconciled Depreciation—7,665,000USD7,258,000USD5,234,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets1,996,649,000USD1,950,383,000USD1,964,605,000USD1,962,311,000USD1,902,474,000USD1,435,999,000USD1,461,037,000USD—
    Cash And Equivalents536,045,000USD———————
    Total Current Assets1,789,516,000USD1,744,261,000USD1,756,010,000USD1,758,897,000USD1,736,079,000USD1,265,830,000USD1,287,036,000USD—
    Other Current Assets71,083,000USD438,641,000USD372,465,000USD333,485,000USD299,018,000USD269,440,000USD264,490,000USD—
    Other Non Current Assets3,348,000USD———————
    Total Liabilities591,827,000USD———————
    Total Current Liabilities387,217,000USD12,122,000USD387,924,000USD355,915,000USD359,698,000USD333,545,000USD374,817,000USD—
    Other Current Liabilities104,150,000USD———————
    Other Non Current Liabilities36,763,000USD———————
    Total Stockholder Equity1,404,822,000USD1,441,442,000USD1,401,706,000USD1,443,274,000USD1,428,098,000USD982,017,000USD959,521,000USD—
    Total Equity Including Noncontrolling Interest1,404,822,000USD———————
    Net Receivables287,773,000USD294,338,000USD329,465,000USD346,648,000USD343,714,000USD341,763,000USD315,960,000USD—
    Property Plant Equipment Net176,293,000USD175,714,000USD177,749,000USD172,132,000USD134,676,000USD137,797,000USD142,032,000USD—
    Goodwill27,492,000USD———————
    Accounts Payable36,255,000USD37,920,000USD38,680,000USD40,026,000USD51,800,000USD37,614,000USD35,846,000USD—
    Short Term Debt13,034,000USD12,122,000USD11,381,000USD11,922,000USD13,099,000USD14,274,000USD15,746,000USD—
    Retained Earnings-3,292,798,000USD-3,320,648,000USD-3,374,104,000USD-3,329,327,000USD-3,274,605,000USD-2,351,229,000USD-2,364,168,000USD—
    Accumulated Other Comprehensive Income-548,000USD-947,000USD172,000USD-79,000USD-116,000USD294,000USD203,000USD—
    Intangible Assets—27,492,000USD27,492,000USD—————
    Total Liab—508,941,000USD562,899,000USD519,037,000USD474,376,000USD453,982,000USD501,516,000USD—
    Other Current Liab—-37,920,000USD337,863,000USD303,967,000USD294,799,000USD281,657,000USD323,225,000USD—
    Common Stock—31,000USD31,000USD31,000USD31,000USD2,000USD2,000USD—
    Capital Stock—31,000USD31,000USD31,000USD31,000USD2,890,123,000USD2,890,123,000USD—
    Cash—607,677,000USD466,252,000USD445,026,000USD868,284,000USD318,160,000USD337,697,000USD—
    Cash And Short Term Investments—1,011,282,000USD1,054,080,000USD1,078,764,000USD1,093,347,000USD654,627,000USD706,586,000USD—
    Net Debt—-474,941,000USD-331,587,000USD-307,263,000USD-780,420,000USD-226,460,000USD-241,361,000USD—
    Short Long Term Debt Total—132,736,000USD134,665,000USD137,763,000USD87,864,000USD91,700,000USD96,336,000USD—
    Short Term Investments—403,605,000USD587,828,000USD633,738,000USD225,063,000USD336,467,000USD368,889,000USD—
    Property Plant Equipment Gross—256,787,000USD251,580,000USD238,585,000USD194,034,000USD137,797,000USD187,544,000USD—
    Common Stock Shares Outstanding—400,476,567shares375,865,879shares370,776,813shares370,776,813shares364,421,538shares364,421,538shares364,421,538shares
    Non Current Assets Total—206,122,000USD208,595,000USD203,414,000USD166,395,000USD170,169,000USD174,001,000USD—
    Non Current Liabilities Total—496,819,000USD174,975,000USD163,122,000USD114,678,000USD120,437,000USD126,699,000USD—
    Non Current Liabilities Other—44,228,000USD51,691,000USD37,281,000USD39,913,000USD43,011,000USD46,109,000USD—
    Non Currrent Assets Other—2,916,000USD30,846,000USD3,790,000USD4,227,000USD32,372,000USD31,969,000USD—
    Net Working Capital—1,400,162,000USD1,368,086,000USD1,402,982,000USD1,376,381,000USD932,285,000USD912,219,000USD—
    Unclassified Current Liabilities—-37,920,000USD——————
    Unclassified Non Current Liabilities—452,591,000USD123,284,000USD125,841,000USD74,765,000USD77,426,000USD80,590,000USD—
    Unclassified Equity—4,762,975,000USD4,775,576,000USD4,772,618,000USD4,702,757,000USD442,827,000USD433,361,000USD—
    Unclassified Non Current Assets——-27,492,000USD—-1,902,474,000USD—-1,488,506,000USD—
    Good Will———27,492,000USD27,492,000USD—27,469,000USD—
    Other Assets————1,902,474,000USD—1,461,037,000USD—
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USD
    Total Assets1,964,605,000USD1,461,037,000USD1,320,252,000USD1,417,754,000USD
    Intangible Assets27,492,000USD———
    Other Current Assets372,465,000USD264,490,000USD184,664,000USD210,166,000USD
    Total Liab562,899,000USD501,516,000USD383,744,000USD316,711,000USD
    Total Stockholder Equity1,401,706,000USD959,521,000USD936,508,000USD1,101,043,000USD
    Other Current Liab337,863,000USD323,225,000USD254,546,000USD188,456,000USD
    Common Stock31,000USD2,000USD2,000USD1,000USD
    Capital Stock31,000USD2,890,123,000USD2,890,123,000USD2,890,122,000USD
    Retained Earnings-3,374,104,000USD-2,364,168,000USD-2,338,824,000USD-2,135,622,000USD
    Cash466,252,000USD337,697,000USD239,745,000USD203,364,000USD
    Cash And Short Term Investments1,054,080,000USD706,586,000USD800,628,000USD937,971,000USD
    Total Current Assets1,756,010,000USD1,287,036,000USD1,161,839,000USD1,271,340,000USD
    Total Current Liabilities387,924,000USD374,817,000USD288,652,000USD215,515,000USD
    Net Debt-331,587,000USD-241,361,000USD-134,851,000USD-102,558,000USD
    Short Term Debt11,381,000USD15,746,000USD11,963,000USD6,269,000USD
    Short Long Term Debt Total134,665,000USD96,336,000USD104,894,000USD100,806,000USD
    Short Term Investments587,828,000USD368,889,000USD560,883,000USD734,607,000USD
    Net Receivables329,465,000USD315,960,000USD176,547,000USD123,203,000USD
    Accounts Payable38,680,000USD35,846,000USD22,143,000USD20,790,000USD
    Property Plant Equipment Net177,749,000USD142,032,000USD157,499,000USD146,214,000USD
    Property Plant Equipment Gross251,580,000USD187,544,000USD179,156,000USD155,511,000USD
    Accumulated Other Comprehensive Income172,000USD203,000USD720,000USD-6,826,000USD
    Common Stock Shares Outstanding388,171,223shares364,421,538shares364,421,538shares364,421,538shares
    Non Current Assets Total208,595,000USD174,001,000USD158,413,000USD146,414,000USD
    Non Current Liabilities Total174,975,000USD126,699,000USD95,092,000USD101,196,000USD
    Non Current Liabilities Other51,691,000USD46,109,000USD2,161,000USD6,659,000USD
    Non Currrent Assets Other30,846,000USD31,969,000USD914,000USD200,000USD
    Net Working Capital1,368,086,000USD912,219,000USD873,187,000USD1,055,825,000USD
    Unclassified Non Current Assets-27,492,000USD-27,493,000USD——
    Unclassified Non Current Liabilities123,284,000USD80,590,000USD92,931,000USD94,537,000USD
    Unclassified Equity4,775,576,000USD433,361,000USD384,487,000USD353,368,000USD
    Good Will—27,493,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Depreciation15,222,000USD
    Stock Based Compensation130,052,000USD
    Change To Account Receivables-31,170,000USD
    Change To Liabilities-48,039,000USD
    Change In Working Capital2,236,000USD
    Operating Cash Flow294,956,000USD
    Capital Expenditures-16,560,000USD
    Net Investments56,659,000USD
    Unclassified Investing Cash Flow-54,730,000USD
    Investing Cash Flow-14,631,000USD
    Net Common Stock Issuance-225,081,000USD
    Unclassified Financing Cash Flow65,055,000USD
    Financing Cash Flow-160,026,000USD
    Change In Cash120,299,000USD
    End Cash Flow601,059,000USD
    SourceDisclosureDeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income53,456,000USD-31,838,000USD-54,722,000USD-923,376,000USD12,939,000USD-19,606,000USD-22,026,000USD385,000USD
    Depreciation7,665,000USD16,320,000USD3,504,000USD7,411,000USD7,258,000USD7,122,000USD6,897,000USD6,117,000USD
    Stock Based Compensation60,652,000USD-834,151,000USD994,902,000USD910,147,000USD8,696,000USD8,117,000USD10,134,000USD6,419,000USD
    Other Non Cash Items13,468,000USD911,659,999USD-871,308,000USD970,026,000USD69,776,000USD19,061,000USD12,220,000USD26,567,000USD
    Change To Account Receivables-37,679,000USD-20,335,000USD-8,280,000USD11,813,000USD-26,155,000USD-23,690,000USD-24,643,000USD19,996,000USD
    Change In Working Capital-47,762,000USD-29,438,000USD-53,758,000USD-25,858,000USD-125,263,000USD-31,683,000USD-52,128,000USD-40,810,000USD
    Total Cash From Operating Activities87,479,000USD32,552,999USD18,618,000USD28,203,000USD-26,594,000USD18,231,000USD-24,928,000USD-1,322,000USD
    Capital Expenditures-7,452,000USD-14,986,000USD4,332,000USD-5,229,000USD-4,791,000USD-3,858,000USD-6,179,000USD-2,240,000USD
    Free Cash Flow80,027,000USD17,567,000USD22,950,000USD22,974,000USD-31,385,000USD14,373,000USD-31,107,000USD-3,562,000USD
    Investments182,300,000USD47,823,000USD-423,609,000USD72,425,000USD6,701,000USD101,505,000USD67,998,000USD481,000USD
    Total Cashflows From Investing Activities127,305,000USD54,795,000USD-423,609,000USD72,425,000USD6,701,000USD——481,000USD
    Total Cash From Financing Activities-73,357,000USD-65,290,000USD-18,106,000USD450,347,000USD717,000USD499,000USD-50,000USD-172,000USD
    Sale Purchase Of Stock-85,740,000USD-77,538,000USD0USD0USD0USD0USD-357,000USD-564,000USD
    Change In Cash141,427,000USD22,058,000USD-423,097,000USD550,975,000USD-19,176,000USD69,175,000USD-24,590,000USD-1,013,000USD
    Begin Period Cash Flow480,760,000USD458,702,000USD881,799,000USD330,824,000USD350,000,000USD280,825,000USD305,415,000USD306,428,000USD
    End Period Cash Flow622,187,000USD480,760,000USD458,702,000USD881,799,000USD330,824,000USD350,000,000USD280,825,000USD305,415,000USD
    Other Cashflows From Investing Activities-47,543,000USD-1,046,307,000USD3,596,198,000USD-34,311,000USD-22,207,000USD——-37,284,000USD
    Other Cashflows From Financing Activities-1,540,000USD-1,334,000USD-26,587,000USD-322,619,000USD-126,000USD——392,000USD
    Unclassified Financing Cash Flow13,923,000USD13,582,000USD8,481,000USD772,966,000USD————
    Issuance Of Capital Stock—-651,000USD-1,317,000USD———0USD—
    Unclassified Investing Cash Flow—1,068,265,000USD-3,600,530,000USD39,540,000USD26,998,000USD——39,524,000USD
    Unclassified Operating Cash Flow———-910,147,000USD—35,220,000USD19,975,000USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USD
    Net Income-1,009,936,000USD-25,344,000USD-203,202,000USD-470,254,000USD
    Depreciation24,870,000USD25,370,000USD12,937,000USD7,300,000USD
    Stock Based Compensation1,070,898,000USD29,845,000USD26,035,000USD28,350,000USD
    Other Non Cash Items201,265,000USD138,499,000USD144,363,000USD159,407,000USD
    Change To Account Receivables-42,957,000USD-40,307,000USD-53,344,000USD-29,278,000USD
    Change In Working Capital-234,317,000USD-104,230,000USD-136,727,000USD-158,936,000USD
    Total Cash From Operating Activities52,780,000USD64,140,000USD-156,594,000USD-434,133,000USD
    Capital Expenditures-19,887,000USD-14,469,000USD-27,815,000USD-72,913,000USD
    Free Cash Flow32,893,000USD49,671,000USD-184,409,000USD-507,046,000USD
    Investments-213,746,000USD45,659,000USD167,012,000USD150,541,000USD
    Total Cashflows From Investing Activities-289,688,000USD45,659,000USD167,012,000USD150,541,000USD
    Total Cash From Financing Activities367,668,000USD456,000USD842,000USD1,022,000USD
    Sale Purchase Of Stock-77,538,000USD-950,000USD-61,000USD-508,000USD
    Issuance Of Capital Stock770,588,000USD0USD0USD—
    Change In Cash130,760,000USD110,255,000USD11,260,000USD-282,570,000USD
    Begin Period Cash Flow350,000,000USD239,745,000USD228,485,000USD511,055,000USD
    End Period Cash Flow480,760,000USD350,000,000USD239,745,000USD228,485,000USD
    Other Cashflows From Investing Activities4,884,044,000USD-140,104,000USD-17,314,000USD-24,185,000USD
    Other Cashflows From Financing Activities-350,540,000USD1,406,000USD903,000USD1,530,000USD
    Unclassified Investing Cash Flow-4,940,099,000USD154,573,000USD45,129,000USD97,098,000USD
    Unclassified Financing Cash Flow795,746,000USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.