Chime Financial (CHYM) Income Statement

Chime Financial reported revenue of $2.19B in fiscal 2025 (fiscal year ended Dec 31, 2025), up 30.7% from $1.67B a year earlier. Chime Financial posted a net loss of $1.01B, compared with a net loss of $25.34M a year earlier. Gross margin was 85.9% and operating margin -47.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $669.77M, up 26.8% from the same quarter a year earlier.

Chime Financial Income Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Chime Financial, Inc. income statement - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022
Revenue & Gross Profit
Revenue	2.19	1.67	1.28	1.01
Cost of Revenue	0.31	0.21	0.22	0.21
Gross Profit	1.88	1.47	1.06	0.79
Operating Expenses
Research & Development	0.93	0.31	0.26	0.24
Selling, General & Administrative	1.15	0.70	0.87	0.60
Operating Expenses	2.92	1.53	1.29	1.27
Operating Income	-1.04	-0.06	-0.24	-0.48
Other Income/Expense
Interest Income	0.00	0.00	0.03	0.00
Interest Expense	0.00	0.00	0.00	0.00
Other Income/Expense	0.03	0.04	0.03	0.01
Income
Income Before Tax	-1.01	-0.02	-0.20	-0.47
Income Tax Expense	0.00	0.00	0.00	0.00
Net Income	-1.01	-0.03	-0.20	-0.47
Net Income - Continuous Operations	-1.01	-0.03	-0.20	-0.47
Net Income - Discontinued Operations	-	-	-	-
EBITDA	-0.98	-0.04	-0.08	-0.47
EBIT	-0.60	-0.06	-0.08	-0.33
Depreciation & Amortization	0.03	0.03	0.01	0.01
Earnings Per Share
Basic EPS	-3.00	-	-3.00	-1.00
Diluted EPS	-3.00	-	-3.00	-1.00
Basic Shares Outstanding	0.38	0.36	0.06	0.36
Diluted Shares Outstanding	0.39	0.36	0.06	0.36

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Chime Financial Financial Statements

What was Chime Financial's revenue in fiscal 2025?

Chime Financial reported revenue of $2.19B in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 30.7% from $1.67B a year earlier.

Is Chime Financial profitable?

No. Chime Financial reported a net loss of $1.01B in fiscal 2025. In fiscal 2024 it lost $25.34M.

What is Chime Financial's operating margin?

Chime Financial's operating income was −$1.04B on revenue of $2.19B in fiscal 2025, an operating margin of -47.6%, compared with -3.7% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition