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)
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.
| Line item | Trend | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | |
| Revenue | 2.19B+30.7% | 1.67B+30.9% | 1.28B | |
| 1.92B+31.2% | 1.47B+38.4% | 1.06B | ||
| Cost of revenue | 263M+26.8% | 208M-5.6% | 220M | |
| 2.96B+94.0% | 1.53B+18.0% | 1.29B | ||
| Research & development | 935M+202.0% | 310M+19.5% | 259M | |
| Selling, general & administrative | 512M+189.0% | 177M+14.4% | 155M | |
| General & administrative | 512M+189.0% | 177M+14.4% | 155M | |
| Selling & marketing | 635M+22.2% | 520M+17.1% | 444M | |
| Restructuring | 32.6M | — | — | |
| Provision for credit losses | 77.7M+131.6% | 33.5M | 0.00 | |
| Operating income | -1.04B-1572.0% | -62.2M+73.6% | -236M | |
| Other non-operating income | 30.9M-21.8% | 39.5M+20.3% | 32.8M | |
| Pre-tax income | -1.01B-4338.7% | -22.7M+88.8% | -203M | |
| Income tax | 831K-68.2% | 2.61M+1015.4% | 234K | |
| Net income | -1.01B-3884.9% | -25.3M+87.5% | -203M | |
| -$4.27-994.9% | -$0.39+87.9% | -$3.22 | ||
| EPS (basic) | -$4.27-994.9% | -$0.39+87.9% | -$3.22 | |
| Weighted-avg shares (basic) | 236M+264.0% | 64.9M+2.9% | 63.1M | |
| Weighted-avg shares (diluted) | 236M+264.0% | 64.9M+2.9% | 63.1M | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | |
| 1.76B+36.4% | 1.29B | — | ||
| Cash & equivalents | 466M+38.1% | 338M+40.9% | 240M | |
| Accounts receivable | 258M+19.3% | 216M | — | |
| Prepaid expenses | 107M+51.5% | 70.5M | — | |
| 1.96B+34.5% | 1.46B | — | ||
| Property, plant & equipment | 94.3M+1.7% | 92.7M | — | |
| Operating lease right-of-use | 83.4M+69.1% | 49.3M | — | |
| Goodwill | 27.5M+0.0% | 27.5M | — | |
| Intangible assets | 27.5M | — | — | |
| Other non-current assets | 3.35M-25.1% | 4.48M | — | |
| 388M+3.5% | 375M | — | ||
| Accounts payable | 38.7M+7.9% | 35.8M | — | |
| Accrued liabilities | 81.4M-19.0% | 100M | — | |
| Current lease liability | 11.4M-27.7% | 15.7M | — | |
| 563M+12.2% | 502M | — | ||
| Non-current lease liability | 123M+53.0% | 80.6M | — | |
| Operating lease liability (total) | 135M | — | — | |
| Other non-current liabilities | 51.7M+12.1% | 46.1M | — | |
| 1.40B+172.6% | -1.93B+1.2% | -1.95B | ||
| Preferred stock | 0.00 | 0.00 | — | |
| Additional paid-in capital | 4.78B+1002.0% | 433M | — | |
| Retained earnings | -3.37B-42.7% | -2.36B | — | |
| Accumulated other comprehensive income | 172K-15.3% | 203K | — | |
| Total liabilities & equity | 1.96B+34.5% | 1.46B | — | |
| Common shares issued | — | 67.0M | — | |
| Common shares outstanding | — | 67.0M | — | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | |
| 52.8M-17.7% | 64.1M+141.0% | -157M | ||
| Depreciation & amortization | 30.0M+18.2% | 25.4M+96.1% | 12.9M | |
| Share-based compensation | 1.07B+3488.2% | 29.8M+14.6% | 26.0M | |
| Change in receivables | 43.0M+6.6% | 40.3M-24.4% | 53.3M | |
| Change in payables | 2.83M-79.3% | 13.7M+912.8% | 1.35M | |
| Other operating activities | -94.0K-196.9% | 97.0K-92.5% | 1.30M | |
| -290M-734.5% | 45.7M-72.7% | 167M | ||
| Capital expenditure | 19.9M+313.3% | 4.81M-54.2% | 10.5M | |
| Free cash flow | 32.9M-44.6% | 59.3M+135.5% | -167M | |
| Acquisitions | 0.00-100.0% | 13.3M | 0.00 | |
| 368M+80528.9% | 456K-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+8061.9% | 950K+1457.4% | 61.0K | |
| Dividends paid | 0.00 | 0.00 | 0.00 | |
| Net change in cash | 131M+18.6% | 110M+879.2% | 11.3M | |
| Interest paid | 330K-29.3% | 467K+764.8% | 54.0K | |
| Income taxes paid | 1.13M-48.3% | 2.18M+692.0% | 275K | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | |
| Market cap | 9.43B | — | — | |
| P/S | 4.3× | — | — | |
| P/B | 6.7× | — | — | |
| P/FCF | 286.6× | — | — | |
| FCF yield | 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.