Chime Financial, Inc.
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 |
|---|---|---|---|---|
| Income Statement | ||||
| Revenue | $2.2B | $1.7B | $1.3B | — |
| Research and development | $934.9M | $309.6M | $259.0M | — |
| Operating expenses | $3.0B | $1.5B | $1.3B | — |
| Operating income | -$1.0B | -$62.2M | -$235.8M | — |
| Pretax income | -$1.0B | -$22.7M | -$203.0M | — |
| Income tax expense | $831,000 | $2.6M | $234,000 | — |
| Net income | -$1.0B | -$25.3M | -$203.2M | — |
| Balance Sheet | ||||
| Cash and equivalents | $466.3M | $337.7M | $239.7M | — |
| Current assets | $1.8B | $1.3B | — | — |
| Total assets | $2.0B | $1.5B | — | — |
| Current liabilities | $387.9M | $374.8M | — | — |
| Total liabilities | $562.9M | $501.5M | — | — |
| Stockholders' equity | $1.4B | -$1.9B | -$2.0B | -$1.8B |
| Cash Flow Statement | ||||
| Cash from operations | $52.8M | $64.1M | -$156.6M | — |
| Depreciation and amortization | $30.0M | $25.4M | $12.9M | — |
| Stock-based compensation | $1.1B | $29.8M | $26.0M | — |
| Capital expenditure | $19.9M | $4.8M | $10.5M | — |
| Free cash flow | $32.9M | $59.3M | -$167.1M | — |
| Share repurchases | $77.5M | $950,000 | $61,000 | — |
| Impairments | $0 | $1.9M | $0 | — |
Shares outstanding 381.0M · Free float 63.7%
Annual filing data through FY ended December 31, 2025; float as of July 15, 2026.