How Chime Financial makes money

Period

FY2025

How does Chime Financial make money? This Sankey traces every dollar of revenue through the income statement — into cost of revenue, R&D, SG&A, and taxes — and shows what's left as profit. Pick any fiscal year, recent quarter, or the trailing twelve months. Straight from SEC filings.

Chime Financial Inc. · FY2025 · year ended 2025-12-31

Revenue$2.2BNet loss$1.0B · 46%Cost of revenue$263M · 12%Gross profit$1.9B · 88%Operating expenses$3.0B · 136%Other income$31M · 1%R&D$935M · 43%SG&A$512M · 23%Selling & marketing$635M · 29%Other opex$881M · 40%

Each fiscal year from SEC filings. Percentages are share of revenue, so the green profit nodes read directly as gross / operating / net margin. Line items a company doesn't break out are derived from their siblings so the flows balance; small residuals show as “Other.” For informational purposes only.