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NASDAQ · FINANCE SERVICES · SMALL CAP

Chime Financial, Inc. CHYM

3 fiscal years on record · USD · FY2025 reported · SEC filings only
$2.2B
▲ 30.7% YoY
$-1.0B
$32.9M
▼ 44.6% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Chime offers access to products in all 50 states, including checking accounts with Chime-branded debit cards, Pay Anyone, SpotMe, and the Credit Builder and Chime Card secured credit cards. It has built relationships with 9.5 million Active Members, with a majority relying on Chime as their primary financial relationship as of December 31, 2025. Its products address financial needs for spending, saving, accessing liquidity, and building credit. Chime offers access to FDIC-insured checking accounts provided through its platform by one of its bank partners, The Bancorp Bank, N.A. or Stride Bank, N.A. Its Chime Debit Cards are Visa-branded debit cards issued by its bank partners. It primarily generates revenue when members spend using a Chime-branded debit or credit card, based on fees paid via the card networks rather than fees paid by members. The company incorporated as 1debit, Inc. in Delaware in August 2012.

Written from the business description in Chime Financial, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 6 March 2026. Every sentence was checked against that document before publication.

Growth

USD 2.2B
Revenue, FY2025 · full 3-year series below
Revenue $B Net income $B
FY2025 · Revenue 2.2 · Net income -1.0
1.0B2.0B-0.5B-1.0B
202320242025
Compound annual growth
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−46 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -47.6% · Net -46.2%
-20%-40%
202320242025
ROE

Not applicable: equity was zero or negative in this period, so return on equity has no meaning.

Three returns, three denominators.
Return on equityNot applicable: equity was zero or negative in this period, so return on equity has no meaning.

Return on equity has no reading this year — return on capital employed, just below, still does: -78%.

Cash & shareholders

USD 52.4M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 32.9
25.0M50.0M-100.0M-200.0M
202320242025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 52.4
20M40M
202320242025

USD 52.4M in buybacks went back to shareholders in a year without profit.

Total assetsUSD 2.0B
EquityUSD 1.4B
CashUSD 466.3M
Current ratio4.53×

Equity funds 71% of total assets.

The 3-year record

3 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
CHYM, 3-year financial record
Metric 202520242023
Revenue $B2.21.71.3
Operating income $B−1.0−0.1−0.2
EBITDA $B−1.0−0.0−0.2
Income tax $B0.00.00.0
Net income $B−1.0−0.0−0.2
Free cash flow $B0.00.1−0.2
EPS, diluted $−4.27−0.39−3.22
Dividend / sh $◌◌◌
Payout % — not applicable: no dividend———
ROE % — not applicable: negative equity———
Shares out B0.000.07◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 13 reconciliationsAUDITED

Reconciled in 3 of the 3 fiscal years we could check. 34 checks were skipped: the balance sheet is not tagged before 2024. 16 checks were skipped: EPS is not tagged before 2023. 16 checks were skipped: revenue is not tagged before 2023.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFinance Services
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2023

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