Chime Financial (CHYM) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Chime Financial generated $52.78M of operating cash flow and spent $28.72M on capital expenditures. That left free cash flow of $24.06M, down 59.4% from $59.33M a year earlier, or 1.1% of revenue. It repurchased $77.54M of its own shares.

Chime Financial Cash Flow Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Chime Financial, Inc. (CHYM) - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022
Operating Activities
Net Income	-1.01	-0.03	-0.20	-0.47
Depreciation & Amortization	0.03	0.03	0.01	0.01
Stock Based Compensation	1.07	0.03	0.03	0.03
Change in Working Capital	-0.23	-0.10	-0.14	-0.16
Change in Accounts Receivable	-0.04	-0.04	-0.05	-0.03
Change in Accounts Payable	0.00	0.01	0.00	-0.01
Change in Other Working Capital	0.05	-0.11	-0.07	-0.12
Other Operating Activities	0.05	0.14	0.14	0.16
Net Cash from Operating Activities	0.05	0.06	-0.16	-0.43
Investing Activities
Capital Expenditures	-0.03	0.00	-0.01	-0.07
Acquisitions	0.00	-0.01	0.00	0.00
Purchases of Investments	-0.73	-2.36	-0.43	-0.43
Sales/Maturities of Investments	0.52	2.43	0.81	0.65
Other Investing Activities	4.88	-0.14	-0.02	-0.02
Net Cash from Investing Activities	-0.29	0.05	0.17	0.15
Financing Activities
Common Stock Issued	0.77	0.00	0.00	0.00
Common Stock Repurchased	-0.08	0.00	0.00	0.00
Other Financing Activities	-0.35	0.00	0.00	0.00
Net Cash from Financing Activities	0.37	0.00	0.00	0.00
Summary
Net Change in Cash	0.13	0.11	0.01	-0.28
Cash at Beginning of Period	0.35	0.24	0.23	0.51
Cash at End of Period	0.48	0.35	0.24	0.23
Free Cash Flow	0.02	0.06	-0.17	-0.51
Supplemental Disclosures
Interest Paid	-	0.00	0.00	-
Income Taxes Paid	-	0.00	0.00	0.00

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 Cash Flow

What is Chime Financial's free cash flow?

Chime Financial generated free cash flow of $24.06M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $52.78M minus $28.72M of capital expenditures. That was down 59.4% from $59.33M a year earlier. Free cash flow equaled 1.1% of revenue.

How much does Chime Financial spend on capital expenditures?

Chime Financial spent $28.72M on capital expenditures in fiscal 2025, compared with $4.81M a year earlier. That equals 54.4% of operating cash flow.

Does Chime Financial pay dividends or buy back shares?

Yes. In fiscal 2025 Chime Financial returned $77.54M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition