Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data Chime Financial, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2025
FY2025
Revenue
1,278
1,673
2,187
Cost of revenue
220
208
263
Gross profit
1,059
1,466
1,924
Research and development
259
310
935
Selling and marketing
444
520
635
General and administrative
155
177
512
Operating expenses
1,295
1,528
2,964
Operating income
-236
-62.2
-1,040
Other non-operating income
32.8
39.5
30.9
Pre-tax income
-203
-22.7
-1,009
Income tax
0.23
2.61
0.83
Net income
-203
-25.3
-1,010
EBITDA
-223
-36.8
-1,010
EPS, basic
-3.22
-0.39
-4.27
EPS, diluted
-3.22
-0.39
-4.27
Shares, basic (weighted)
63.1
64.9
236
Shares, diluted (weighted)
63.1
64.9
236
Balance sheet
FY2023
FY2025
FY2025
Cash and equivalents
240
338
466
Short-term investments
369
588
Receivables
216
258
Other current assets
70.5
107
Total current assets
1,287
1,756
Property, plant and equipment
92.7
94.3
Lease right-of-use assets
49.3
83.4
Goodwill
27.5
27.5
Intangible assets
27.5
Other non-current assets
4.48
3.35
Total assets
1,461
1,965
Accounts payable
35.8
38.7
Accrued liabilities
100
81.4
Total current liabilities
375
388
Lease liabilities
80.6
123
Other non-current liabilities
46.1
51.7
Total liabilities
502
563
Paid-in capital
433
4,776
Retained earnings
-2,364
-3,374
Other comprehensive income
0.2
0.17
Shareholders' equity
-1,954
-1,931
1,402
Total equity
-1,954
-1,931
1,402
Total liabilities and equity
1,461
1,965
Shares outstanding
67
0
Cash flow statement
FY2023
FY2025
FY2025
Net income
-203
-25.3
-1,010
Depreciation and amortization
12.9
25.4
30
Stock-based compensation
26
29.8
1,071
Change in receivables
-53.3
-40.3
-43
Change in payables
1.35
13.7
2.83
Cash from operations
-157
64.1
52.8
Capital expenditures
-10.5
-4.81
-19.9
Acquisitions
0
-13.3
0
Purchases of investments
-611
-498
-735
Sales and maturities of investments
0
193
257
Cash from investing
167
45.7
-290
Stock issued
1.73
1.41
25.2
Share buybacks
-0.06
-0.95
-77.5
Cash from financing
0.84
0.46
368
Net change in cash
11.3
110
131
Free cash flow
-167
59.3
32.9
Interest paid
0.05
0.47
0.33
Income taxes paid
0.28
2.18
1.13
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $26.78 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Gross margin
88.7%
Gross profit / revenue.
Operating margin
-2.1%
Operating income / revenue.
EBITDA margin
-0.8%
EBITDA (operating income + depreciation and amortization) / revenue.
Pre-tax margin
-0.7%
Pre-tax income / revenue.
Net margin
-0.7%
Net income / revenue.
Operating cash flow margin
14.0%
Cash from operations / revenue.
Return on equity (ROE)
-1.3%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
-0.9%
Net income / average total assets.
Return on invested capital (ROIC)
-4.6%
Approximation: operating income x (1 - tax rate) / average (total debt + equity - cash). Tax rate is the effective rate when between 0% and 50%, else 21%.
R&D / revenue
18.6%
Research and development expense / revenue.
Stock-based pay / revenue
11.5%
Stock-based compensation (from the cash flow statement) / revenue.
D&A / revenue
1.2%
Depreciation and amortization / revenue.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
30.7%
Revenue vs the same period a year earlier. Only from a positive base.
Gross profit growth, 1y
31.2%
Gross profit vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
-17.7%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-44.6%
Free cash flow vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
34.5%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
264.0%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Current ratio
4.62x
Current assets / current liabilities.
Quick ratio
3.49x
(Cash + short-term investments + receivables) / current liabilities.
Cash ratio
2.75x
(Cash + short-term investments) / current liabilities.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share
$6.25
Revenue / diluted weighted shares.
Operating cash flow per share
$0.88
Cash from operations / diluted weighted shares.
Book value per share
$3.57
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/S
4.13x
Market cap / revenue.
P/B
7.22x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
7.36x
Market cap / tangible book value, when positive.
P/OCF
29.4x
Market cap / cash from operations, when positive.
EV/Sales
3.69x
Enterprise value / revenue.
Earnings yield
-0.2%
Net income / market cap (the inverse of P/E).
Shareholder yield
3.0%
(Dividends paid + share buybacks) / market cap.
What was Chime Financial, Inc.'s revenue in fiscal 2025?
Chime Financial, Inc. reported revenue of $2.19B for fiscal 2025, 30.7% higher than the year before.
Was Chime Financial, Inc. profitable in fiscal 2025?
No. It reported a net loss of $1.01B.
How much free cash flow did Chime Financial, Inc. generate in fiscal 2025?
Cash from operations of $52.8M minus capital expenditures of $19.9M left free cash flow of $32.9M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.