Chime Financial Quarterly Income Statement
NASDAQ: CHYMTechnologySoftware - ApplicationUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Chime Financial revenue and earnings
In the quarter ended Jun 30, 2026, Chime Financial generated $669.8 million in revenue, up 26.8% from the same quarter a year earlier. Net income was $27.9 million, for a net margin of 4.2% versus a median of -7.5% in the prior 5 quarters. Gross margin was 88.8% (up from 87.3%) and operating margin 3.2%.
Diluted earnings per share came in at $0.07.
Summary generated from market data by MetaCap's automated system. Methodology
Chime Financial income statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 669.77M | 647.39M | 596.36M | 543.52M | 528.15M | 518.74M | 475.21M | 421.87M | 384.21M | — |
| Revenue growth (YoY) | +26.81% | +24.80% | +25.49% | +28.84% | +37.46% | — | — | — | — | — |
| Cost of Revenue | 74.89M | 67.07M | 66.11M | 69.40M | 67.12M | 60.42M | 56.04M | 53.52M | 50.50M | — |
| Gross Profit | 594.87M | 580.31M | 530.25M | 474.12M | 461.03M | 458.33M | 419.17M | 368.36M | 333.71M | — |
| Operating Expenses | 573.55M | 534.15M | 584.02M | 538.83M | 1.39B | 449.19M | 446.31M | 399.00M | 343.15M | — |
| Research & Development | 112.11M | 109.78M | 111.35M | 123.94M | 621.75M | 77.88M | 78.87M | 80.40M | 75.37M | — |
| Selling, General & Admin | 244.30M | 235.90M | 272.89M | 230.18M | 464.67M | 179.75M | 191.26M | 189.77M | 159.66M | — |
| Operating Income | 21.32M | 46.16M | -53.77M | -64.71M | -930.64M | 9.14M | -27.15M | -30.64M | -9.44M | — |
| Other Income (Expense) | 6.74M | 7.75M | 9.04M | 10.27M | 6.21M | 5.35M | 8.23M | 10.82M | 9.90M | — |
| Pretax Income | 28.06M | 53.91M | -44.73M | -54.44M | -924.42M | 14.49M | -18.91M | -19.83M | 463.00K | — |
| Income Tax | 213.00K | 455.00K | 46.00K | 280.00K | -1.05M | 1.55M | 695.00K | 2.20M | 78.00K | — |
| Net Income | 27.85M | 53.46M | -44.78M | -54.72M | -923.38M | 12.94M | -19.61M | -22.03M | 385.00K | 15.90M |
| Net Income growth (YoY) | — | +313.14% | — | — | -239937.92% | -18.64% | — | — | — | — |
| EPS (Basic) | 0.07 | 0.14 | 3.17 | -0.15 | -7.29 | 0.00 | — | -0.34 | 0.00 | — |
| EPS (Diluted) | 0.07 | 0.13 | 3.17 | -0.15 | -7.29 | 0.00 | — | -0.34 | 0.00 | — |
| Shares Outstanding (Basic) | 379.82M | 381.64M | — | 371.83M | 126.62M | 65.87M | — | 65.15M | 64.68M | — |
| Shares Outstanding (Diluted) | 393.42M | 400.48M | — | 371.83M | 126.62M | 65.87M | — | 65.15M | 64.68M | — |
| EBITDA | 28.88M | 53.83M | -45.95M | -57.20M | -923.23M | 16.39M | -20.02M | -23.75M | -3.34M | — |
| Gross Margin | 88.82% | 89.64% | 88.91% | 87.23% | 87.29% | 88.35% | 88.21% | 87.31% | 86.86% | — |
| Operating Margin | 3.18% | 7.13% | -9.02% | -11.91% | -176.21% | 1.76% | -5.71% | -7.26% | -2.46% | — |
| Net Margin | 4.16% | 8.26% | -7.51% | -10.07% | -174.83% | 2.49% | -4.13% | -5.22% | 10.00% | — |
This table shows 10 quarterly periods of Chime Financial's income statement, from Q2 2026 back to Q1 2024, 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?