Chime Financial, Inc. (CHYM) Income Statement
CHYM 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCHYM revenue and net income
Where CHYM's revenue goes
2025Each bar shows an amount and its share of revenue. CHYM kept −46.2% of revenue as net income.
CHYM profit margins
CHYM growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +30.7% | +29.4% | — | — |
| Gross profit | +28.1% | +33.2% | — | — |
| Operating income | — | — | — | — |
| Net income | — | — | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CHYM quarterly EPS vs estimates
Chime Financial beat the analyst EPS estimate in 5 of the last 6 quarters. Next report: November 4, 2026 (estimate $0.09).
CHYM income statement
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $2.19B | $1.67B | $1.28B | $1.01B |
| Cost of revenue | $309.0M | $207.5M | $219.7M | $214.7M |
| Gross profit | $1.88B | $1.47B | $1.06B | $794.2M |
| Research & development | $934.9M | $309.6M | $259.0M | $242.4M |
| Sales, general & admin | $1.15B | $697.0M | $598.8M | $603.9M |
| Total operating expenses | $2.92B | $1.53B | $1.29B | $1.27B |
| Operating income | −$1.04B | −$62.2M | −$235.8M | −$478.7M |
| Income before taxes | −$1.01B | −$22.7M | −$203.0M | −$470.6M |
| Income taxes | $831,000 | $2.6M | $234,000 | −$337,000 |
| Net income | −$1.01B | −$25.3M | −$203.2M | −$470.3M |
| EBITDA | −$979.1M | −$36.8M | −$222.8M | −$471.4M |
| EPS (diluted) | −$7.36 | −$0.07 | −$0.56 | — |
| Gross margin | 85.9% | 87.6% | 82.8% | 78.7% |
| Operating margin | −47.6% | −3.7% | −18.4% | −47.5% |
| Net margin | −46.2% | −1.5% | −15.9% | −46.6% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $577.0M | $647.4M | $596.4M | $543.5M | $528.1M | $518.7M | $475.2M | $421.9M | $384.2M | $392.0M | $337.9M | $315.2M |
| Cost of revenue | $86.7M | $78.9M | $66.1M | $69.4M | $67.1M | $60.4M | $56.0M | $53.5M | $50.5M | $47.4M | $42.2M | $68.8M |
| Gross profit | $490.2M | $568.5M | $530.2M | $474.1M | $461.0M | $458.3M | $419.2M | $368.4M | $333.7M | $344.5M | $295.7M | $246.4M |
| Research & development | $112.1M | $109.8M | $111.3M | $123.9M | $621.8M | $77.9M | $78.9M | $80.4M | $75.4M | $74.9M | — | — |
| Sales, general & admin | $244.3M | $235.9M | $272.9M | $230.2M | $464.7M | $179.7M | $191.3M | $189.8M | $159.7M | $156.3M | — | — |
| Total operating expenses | $468.9M | $522.3M | $584.0M | $538.8M | $1.39B | $449.2M | $446.3M | $399.0M | $343.2M | $339.5M | $331.6M | $324.7M |
| Operating income | $21.3M | $46.2M | −$53.8M | −$64.7M | −$930.6M | $9.1M | −$27.1M | −$30.6M | −$9.4M | $5.0M | −$35.9M | −$78.3M |
| Income before taxes | $28.1M | $53.9M | −$44.7M | −$54.4M | −$924.4M | $14.5M | −$18.9M | −$19.8M | $463,000 | $15.5M | −$29.8M | −$64.9M |
| Income taxes | $213,000 | $455,000 | $46,000 | $280,000 | −$1.0M | $1.6M | $695,000 | $2.2M | $78,000 | −$362,000 | $3.8M | $3.6M |
| Net income | $27.9M | $53.5M | −$44.8M | −$54.7M | −$923.4M | $12.9M | −$19.6M | −$22.0M | $385,000 | $15.9M | −$33.5M | −$68.5M |
| EBITDA | $35.6M | $61.6M | −$46.0M | −$57.2M | −$923.2M | $16.4M | −$20.0M | −$23.7M | −$3.3M | $10.3M | −$32.2M | −$74.7M |
| EPS (diluted) | $0.07 | $0.13 | −$0.12 | −$0.15 | −$7.29 | $0.20 | — | — | — | — | — | — |
| Gross margin | 85.0% | 87.8% | 88.9% | 87.2% | 87.3% | 88.4% | 88.2% | 87.3% | 86.9% | 87.9% | 87.5% | 78.2% |
| Operating margin | 3.7% | 7.1% | −9.0% | −11.9% | −176.2% | 1.8% | −5.7% | −7.3% | −2.5% | 1.3% | −10.6% | −24.9% |
| Net margin | 4.8% | 8.3% | −7.5% | −10.1% | −174.8% | 2.5% | −4.1% | −5.2% | 0.1% | 4.1% | −9.9% | −21.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CHYM's financial statements (latest annual report filed March 6, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CHYM financial results
In fiscal year 2025 (ended December 31, 2025), Chime Financial reported revenue of $2.2 billion, up 30.7% from the year before. It had a net loss of $1.0 billion, a net profit margin of −46.2%. Diluted earnings per share came to −$7.36.
See the CHYM stock overview for the latest quote and news, or the CHYM chart for price history and technical indicators.
CHYM income statement FAQ
What is Chime Financial's annual revenue?
Chime Financial reported total revenue of $2.2 billion for fiscal year 2025, which ended on December 31, 2025. That was up 30.7% from $1.7 billion the previous year.
Is Chime Financial profitable?
No. Chime Financial reported a net loss of $1.0 billion in fiscal 2025, a net profit margin of −46.2%; its operating margin was −47.6%.
What is Chime Financial's gross margin?
Chime Financial's gross margin was 85.9% in fiscal 2025: for every $100 of revenue, Chime Financial kept $86 after the direct cost of its products and services.
How much does Chime Financial spend on research and development?
Chime Financial spent $934.9 million on research and development in fiscal 2025, 42.8% of revenue.
What are Chime Financial's earnings per share?
Chime Financial earned $-7.36 per diluted share in fiscal 2025, compared with $-0.07 a year earlier.
When will Chime Financial report its next earnings?
Chime Financial is expected to report results for the quarter ending September 30, 2026 on November 4, 2026 after the market closes.
When does Chime Financial's fiscal year end?
Chime Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 6, 2026.