Chime Financial Financial Statements
NASDAQ: CHYMFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Chime Financial revenue and earnings
In fiscal 2025, Chime Financial generated $2.19 billion in revenue, up 30.7% from fiscal 2024, its 2nd consecutive year of revenue growth. Chime Financial reported a net loss of $1.01 billion, compared with a loss of $25.3 million a year earlier. Gross margin was 88.0% (up from 87.6%) and operating margin -47.6%.
Diluted earnings per share came in at -$4.27. Over the last 2 fiscal years, CHYM's revenue has grown at a 30.8% compound annual rate.
Summary generated from market data by MetaCap's automated system. Methodology
Chime Financial income statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 |
|---|---|---|---|
| Revenue | 2.19B | 1.67B | 1.28B |
| Revenue growth (YoY) | +30.69% | +30.88% | — |
| Cost of Revenue | 263.05M | 207.51M | 219.74M |
| Gross Profit | 1.92B | 1.47B | 1.06B |
| Operating Expenses | 2.96B | 1.53B | 1.29B |
| Research & Development | 934.92M | 309.57M | 259.00M |
| Selling, General & Admin | 1.15B | 696.99M | 598.75M |
| Operating Income | -1.04B | -62.20M | -235.78M |
| Other Income (Expense) | 30.87M | 39.47M | 32.82M |
| Pretax Income | -1.01B | -22.73M | -202.97M |
| Income Tax | 831.00K | 2.61M | 234.00K |
| Net Income | -1.01B | -25.34M | -203.20M |
| Net Income growth (YoY) | — | — | — |
| EPS (Basic) | -4.27 | -0.39 | -3.22 |
| EPS (Diluted) | -4.27 | -0.39 | -3.22 |
| Shares Outstanding (Basic) | 236.27M | 64.91M | 63.10M |
| Shares Outstanding (Diluted) | 236.27M | 64.91M | 63.10M |
| EBITDA | -1.01B | -36.83M | -222.85M |
| Gross Margin | 87.97% | 87.60% | 82.81% |
| Operating Margin | -47.56% | -3.72% | -18.44% |
| Net Margin | -46.18% | -1.51% | -15.89% |
This table shows 3 annual periods of Chime Financial's income statement, from FY 2025 back to FY 2023, across 19 line items including revenue, cost of revenue, gross profit. Values in USD; B = billions, M = millions. Fiscal periods follow CHYM's reporting calendar. What is a income statement?