Chime Financial, Inc. (CHYM) Balance Sheet
CHYM balance sheet, 2025
December 31, 2025 · U.S. dollars$1.96B assets = $562.9M liabilities + $1.40B equity
Both columns are drawn to the same scale: what CHYM owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CHYM financial health
Descriptive bands, not a rating. Fiscal 2025.
CHYM balance sheet trends, 2022–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.42B2022 | $1.96B2025 | +11.5%/yr | |
| Total liabilities | $316.7M2022 | $562.9M2025 | +21.1%/yr | |
| Shareholders’ equity | $1.10B2022 | $1.40B2025 | +8.4%/yr | |
| Cash & short-term investments | $938.0M2022 | $1.05B2025 | +4.0%/yr | |
| Total debt | $100.8M2022 | $134.7M2025 | +10.1%/yr | |
| Net cash (debt) | $837.2M2022 | $919.4M2025 | +$82.2M | |
| Working capital | $1.06B2022 | $1.37B2025 | +$312.3M | |
| Book value per share | $3.022022 | $3.612025 | +6.1%/yr | |
| Current ratio | 5.902022 | 4.532025 | −1.37 | |
| Debt / equity | 0.092022 | 0.102025 | 0.00 | |
| Shares outstanding | 364.4M2022 | 388.2M2025 | +2.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CHYM assets
CHYM liabilities and equity
CHYM debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CHYM balance sheet
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | $1.05B | $706.6M | $800.6M | $938.0M |
| Cash & equivalents | $466.3M | $337.7M | $239.7M | $203.4M |
| Short-term investments | $587.8M | $368.9M | $560.9M | $734.6M |
| Receivables | $329.5M | $316.0M | $176.5M | $123.2M |
| Inventory | $0 | $0 | $0 | $0 |
| Other current assets | $372.5M | $264.5M | $184.7M | $210.2M |
| Total current assets | $1.76B | $1.29B | $1.16B | $1.27B |
| Property, plant & equipment (net) | $177.7M | $142.0M | $157.5M | $146.2M |
| Goodwill & intangible assets | $27.5M | $27.5M | $0 | $0 |
| Long-term investments | $0 | $0 | $0 | $0 |
| Other non-current assets | $3.4M | $4.5M | $914,000 | $200,000 |
| Total assets | $1.96B | $1.46B | $1.32B | $1.42B |
| Liabilities | ||||
| Accounts payable | $38.7M | $35.8M | $22.1M | $20.8M |
| Short-term debt | $11.4M | $15.7M | $12.0M | $6.3M |
| Total current liabilities | $387.9M | $374.8M | $288.7M | $215.5M |
| Long-term debt | $0 | $0 | $0 | $0 |
| Lease obligations | $134.7M | $96.3M | $104.9M | $100.8M |
| Other long-term liabilities | $175.0M | $126.7M | $95.1M | $101.2M |
| Total liabilities | $562.9M | $501.5M | $383.7M | $316.7M |
| Shareholders' equity | ||||
| Common stock & paid-in capital | $31,000 | $2,000 | $2,000 | $1,000 |
| Retained earnings (deficit) | −$3.37B | −$2.36B | −$2.34B | −$2.14B |
| Accumulated other comprehensive income | $172,000 | $203,000 | $720,000 | −$6.8M |
| Total shareholders' equity | $1.40B | $959.5M | $936.5M | $1.10B |
| Key figures | ||||
| Total debt | $134.7M | $96.3M | $104.9M | $100.8M |
| Net cash (debt) | $919.4M | $610.2M | $695.7M | $837.2M |
| Working capital | $1.37B | $912.2M | $873.2M | $1.06B |
| Tangible book value | $1.37B | $932.0M | $936.5M | $1.10B |
| Book value per share | $3.61 | $2.63 | $2.57 | $3.02 |
| Shares outstanding | 388.2M | 364.4M | 364.4M | 364.4M |
| Current ratio | 4.53 | 3.43 | 4.03 | 5.90 |
| Quick ratio | 3.57 | 2.73 | 3.39 | 4.92 |
| Debt / equity | 0.10 | 0.10 | 0.11 | 0.09 |
| Equity / assets | 71.3% | 65.7% | 70.9% | 77.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Dec '23 | |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Cash & short-term investments | $1.06B | $1.01B | $1.05B | $1.08B | $1.09B | $654.6M | $706.6M | $800.6M |
| Cash & equivalents | $536.0M | $607.7M | $466.3M | $445.0M | $868.3M | $318.2M | $337.7M | $239.7M |
| Short-term investments | $527.4M | $403.6M | $587.8M | $633.7M | $225.1M | $336.5M | $368.9M | $560.9M |
| Receivables | $287.8M | $294.3M | $329.5M | $346.6M | $343.7M | $341.8M | $316.0M | $176.5M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $438.3M | $438.6M | $372.5M | $333.5M | $299.0M | $269.4M | $264.5M | $184.7M |
| Total current assets | $1.79B | $1.74B | $1.76B | $1.76B | $1.74B | $1.27B | $1.29B | $1.16B |
| Property, plant & equipment (net) | $176.3M | $175.7M | $177.7M | $172.1M | $134.7M | $137.8M | $142.0M | $157.5M |
| Goodwill & intangible assets | $55.0M | $27.5M | $27.5M | $27.5M | $27.5M | $0 | $27.5M | $0 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other non-current assets | $0 | $2.9M | $3.4M | $3.8M | $4.2M | $32.4M | $4.5M | $914,000 |
| Total assets | $2.00B | $1.95B | $1.96B | $1.96B | $1.90B | $1.44B | $1.46B | $1.32B |
| Liabilities | ||||||||
| Accounts payable | $36.3M | $37.9M | $38.7M | $40.0M | $51.8M | $37.6M | $35.8M | $22.1M |
| Short-term debt | $13.0M | $12.1M | $11.4M | $11.9M | $13.1M | $14.3M | $15.7M | $12.0M |
| Total current liabilities | $13.0M | $12.1M | $387.9M | $355.9M | $359.7M | $333.5M | $374.8M | $288.7M |
| Long-term debt | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Lease obligations | $130.9M | $132.7M | $134.7M | $137.8M | $87.9M | $91.7M | $96.3M | — |
| Other long-term liabilities | $578.8M | $496.8M | $175.0M | $163.1M | $114.7M | $120.4M | $126.7M | $95.1M |
| Total liabilities | $591.8M | $508.9M | $562.9M | $519.0M | $474.4M | $454.0M | $501.5M | $383.7M |
| Shareholders' equity | ||||||||
| Common stock & paid-in capital | $31,000 | $31,000 | $31,000 | $31,000 | $31,000 | $2,000 | $2,000 | $2,000 |
| Retained earnings (deficit) | −$3.29B | −$3.32B | −$3.37B | −$3.33B | −$3.27B | −$2.35B | −$2.36B | −$2.34B |
| Accumulated other comprehensive income | −$548,000 | −$947,000 | $172,000 | −$79,000 | −$116,000 | $294,000 | $203,000 | $720,000 |
| Total shareholders' equity | $1.40B | $1.44B | $1.40B | $1.44B | $1.43B | $982.0M | $959.5M | $936.5M |
| Key figures | ||||||||
| Total debt | $130.9M | $132.7M | $134.7M | $137.8M | $87.9M | $91.7M | $96.3M | $104.9M |
| Net cash (debt) | $932.5M | $878.5M | $919.4M | $941.0M | $1.01B | $562.9M | $610.2M | $695.7M |
| Working capital | $1.78B | $1.73B | $1.37B | $1.40B | $1.38B | $932.3M | $912.2M | $873.2M |
| Tangible book value | $1.35B | $1.41B | $1.37B | $1.42B | $1.40B | $982.0M | $932.1M | $936.5M |
| Book value per share | $3.54 | $3.60 | $3.73 | $3.89 | $3.85 | $2.69 | $2.63 | $2.57 |
| Shares outstanding | 396.9M | 400.5M | 375.9M | 370.8M | 370.8M | 364.4M | 364.4M | 364.4M |
| Current ratio | 137.30 | 143.89 | 4.53 | 4.94 | 4.83 | 3.80 | 3.43 | 4.03 |
| Quick ratio | 103.67 | 107.71 | 3.57 | 4.00 | 4.00 | 2.99 | 2.73 | 3.39 |
| Debt / equity | 0.09 | 0.09 | 0.10 | 0.10 | 0.06 | 0.09 | 0.10 | 0.11 |
| Equity / assets | 70.4% | 73.9% | 71.3% | 73.5% | 75.1% | 68.4% | 65.7% | 70.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 6, 2026); data from EODHD.
CHYM financial position
At the end of fiscal 2025 (December 31, 2025), Chime Financial had total assets of $2.0 billion (up 34.5% from a year earlier), total liabilities of $562.9 million and shareholders' equity of $1.4 billion. It held $1.1 billion in cash and short-term investments against $134.7 million of debt, a net cash position of $919.4 million. Its current ratio was 4.53. In the latest quarter (ended June 30, 2026) total assets were $2.0 billion and equity $1.4 billion.
Related: CHYM income statement, CHYM cash flow statement, CHYM key metrics. See the CHYM stock overview for the latest quote and news.
CHYM balance sheet FAQ
What are Chime Financial's total assets?
Chime Financial reported total assets of $2.0 billion at the end of fiscal 2025 (December 31, 2025), compared with $1.5 billion a year earlier.
How much debt does Chime Financial have?
Chime Financial had $134.7 million of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.10.
How much cash does Chime Financial have?
Chime Financial held $1.1 billion in cash and short-term investments at the end of fiscal 2025; with $134.7 million of debt that is net cash of $919.4 million.
What is Chime Financial's book value?
Chime Financial's shareholders' equity (book value) was $1.4 billion at the end of fiscal 2025, or $3.61 per share.
What is Chime Financial's current ratio?
Chime Financial had current assets of $1.8 billion and current liabilities of $387.9 million, a current ratio of 4.53 (it can cover its short-term obligations).
How much goodwill does Chime Financial have?
Chime Financial carried $27.5 million of goodwill and intangible assets, 1.4% of total assets, at the end of fiscal 2025.