CHYM financial statements

The full income statement, balance sheet, and cash-flow statement for Chime Financial Inc. (CHYM), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.

Shares outstanding (point-in-time)

2025-06 371.7M2025-09 374.6M2025-12 374.6M2026-03 384.1M2026-06 378.6M+1.8% over 4 periods

SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.

PeriodRangeOrderChangeYoYQoQFiguresAs-reported fiscal years.

Line item	FY2025	FY2024	FY2023
Income Statement	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23
Revenue	2.19B YoY+30.7%	1.67B YoY+30.9%	1.28B
	1.92B YoY+31.2%	1.47B YoY+38.4%	1.06B
Cost of revenue	263M YoY+26.8%	208M YoY-5.6%	220M
	2.96B YoY+94.0%	1.53B YoY+18.0%	1.29B
Research & development	935M YoY+202.0%	310M YoY+19.5%	259M
Selling, general & administrative	512M YoY+189.0%	177M YoY+14.4%	155M
General & administrative	512M YoY+189.0%	177M YoY+14.4%	155M
Selling & marketing	635M YoY+22.2%	520M YoY+17.1%	444M
Restructuring	32.6M	—	—
Provision for credit losses	77.7M YoY+131.6%	33.5M	0.00
Operating income	-1.04B YoY-1572.0%	-62.2M YoY+73.6%	-236M
Other non-operating income	30.9M YoY-21.8%	39.5M YoY+20.3%	32.8M
Pre-tax income	-1.01B YoY-4338.7%	-22.7M YoY+88.8%	-203M
Income tax	831K YoY-68.2%	2.61M YoY+1015.4%	234K
Net income	-1.01B YoY-3884.9%	-25.3M YoY+87.5%	-203M
	-$4.27 YoY-994.9%	-$0.39 YoY+87.9%	-$3.22
EPS (basic)	-$4.27 YoY-994.9%	-$0.39 YoY+87.9%	-$3.22
	236M YoY+264.0%	64.9M YoY+2.9%	63.1M
	236M YoY+264.0%	64.9M YoY+2.9%	63.1M
Balance Sheet	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23
	1.76B YoY+36.4%	1.29B	—
Cash & equivalents	466M YoY+38.1%	338M YoY+40.9%	240M
Accounts receivable	258M YoY+19.3%	216M	—
Prepaid expenses	107M YoY+51.5%	70.5M	—
	1.96B YoY+34.5%	1.46B	—
Property, plant & equipment	94.3M YoY+1.7%	92.7M	—
Operating lease right-of-use	83.4M YoY+69.1%	49.3M	—
Goodwill	27.5M YoY+0.0%	27.5M	—
Intangible assets	27.5M	—	—
Other non-current assets	3.35M YoY-25.1%	4.48M	—
	388M YoY+3.5%	375M	—
Accounts payable	38.7M YoY+7.9%	35.8M	—
Accrued liabilities	81.4M YoY-19.0%	100M	—
Current lease liability	11.4M YoY-27.7%	15.7M	—
	563M YoY+12.2%	502M	—
Non-current lease liability	123M YoY+53.0%	80.6M	—
Operating lease liability (total)	135M	—	—
Other non-current liabilities	51.7M YoY+12.1%	46.1M	—
	1.40B YoY+172.6%	-1.93B YoY+1.2%	-1.95B
Preferred stock	0.00	0.00	—
Additional paid-in capital	4.78B YoY+1002.0%	433M	—
Retained earnings	-3.37B YoY-42.7%	-2.36B	—
Accumulated other comprehensive income	172K YoY-15.3%	203K	—
Total liabilities & equity	1.96B YoY+34.5%	1.46B	—
	—	67.0M	—
	—	67.0M	—
Cash Flow	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23
	52.8M YoY-17.7%	64.1M YoY+141.0%	-157M
Depreciation & amortization	30.0M YoY+18.2%	25.4M YoY+96.1%	12.9M
Share-based compensation	1.07B YoY+3488.2%	29.8M YoY+14.6%	26.0M
Change in receivables	43.0M YoY+6.6%	40.3M YoY-24.4%	53.3M
Change in payables	2.83M YoY-79.3%	13.7M YoY+912.8%	1.35M
Other operating activities	-94.0K YoY-196.9%	97.0K YoY-92.5%	1.30M
	-290M YoY-734.5%	45.7M YoY-72.7%	167M
Capital expenditure	19.9M YoY+313.3%	4.81M YoY-54.2%	10.5M
Free cash flow	32.9M YoY-44.6%	59.3M YoY+135.5%	-167M
Acquisitions	0.00 YoY-100.0%	13.3M	0.00
	368M YoY+80528.9%	456K YoY-45.8%	842K
Long-term debt issued	0.00	0.00	0.00
Long-term debt repaid	0.00	0.00	0.00
Common stock issued	0.00	0.00	0.00
Common stock repurchased	77.5M YoY+8061.9%	950K YoY+1457.4%	61.0K
Dividends paid	0.00	0.00	0.00
Net change in cash	131M YoY+18.6%	110M YoY+879.2%	11.3M
Interest paid	330K YoY-29.3%	467K YoY+764.8%	54.0K
Income taxes paid	1.13M YoY-48.3%	2.18M YoY+692.0%	275K
Valuation Ratios	as ofDec 31 ’25	as ofDec 31 ’24	as ofDec 31 ’23
Market cap	9.50B	—	—
P/S	4.3×	—	—
P/B	6.8×	—	—
P/FCF	288.8×	—	—
	0.35%	—	—
Source filing	10-K	10-K	10-K

About this data

Source: CHYM's SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn't file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all CHYM filings on SEC EDGAR → Not investment advice.