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CHYM

Chime Financial, Inc. Class A Common Stock

CHYM

Chime Financial, Inc. Class A Common Stock • NASDAQ
$21.13 ▲ 4.76% (+0.96)
Market Cap $7.91 B
52w High $44.94
52w Low $16.17
Dividend Yield 0%
P/E -8.03
Volume 1.41M
Outstanding Shares 374.57M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $543.519M ▲ $538.828M ▼ $-54.722M ▲ -10.068% ▲ $-0.15 ▲ $-57.196M ▲
Q2-2025 $528.149M ▲ $1.392B ▲ $-923.376M ▼ -174.832% ▼ $-2.49 ▼ $-923.227M ▼
Q1-2025 $518.744M ▲ $449.189M ▲ $12.939M ▲ 2.494% ▲ $0.2 ▲ $16.395M ▲
Q4-2024 $475.212M ▲ $446.314M ▲ $-19.606M ▲ -4.126% ▲ $-0.054 ▲ $-20.024M ▲
Q3-2024 $421.871M $398.999M $-22.026M -5.221% $-0.06 $-23.747M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.079B ▼ $1.962B ▲ $519.037M ▲ $1.443B ▲
Q2-2025 $1.093B ▲ $1.902B ▲ $474.376M ▲ $1.428B ▲
Q1-2025 $654.627M ▼ $1.436B ▼ $453.982M ▼ $982.017M ▲
Q4-2024 $706.586M ▼ $1.461B ▲ $501.516M ▲ $959.521M ▲
Q1-2024 $800.628M $0 $-936.508M $936.508M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-54.722M ▲ $18.618M ▼ $-423.609M ▼ $-18.106M ▼ $-423.097M ▼ $22.95M ▼
Q2-2025 $-923.376M ▼ $28.203M ▲ $72.425M ▲ $450.347M ▲ $550.975M ▲ $22.974M ▲
Q1-2025 $12.939M ▼ $-26.594M ▼ $6.701M ▲ $717K ▲ $-19.176M ▼ $-31.385M ▼
Q1-2024 $15.903M $72.159M $-5.655M $179K $66.683M $69.967M

Five-Year Company Overview

Income Statement

Income Statement Chime’s revenue has been climbing steadily, and its core banking operations appear to be scaling efficiently, with a healthy spread between revenue and direct costs. That said, the company is still running at a loss, although those losses have narrowed meaningfully each year. This pattern suggests a business that is spending heavily on growth and product development but gradually gaining operating leverage. The key question going forward is whether Chime can continue to grow while pushing the business past break-even and into durable profitability, rather than simply shrinking losses for a time.

Balance Sheet

Balance Sheet The balance sheet looks relatively simple and conservative for a fast-growing fintech. Total assets have stayed fairly stable with a tilt toward cash, and debt remains modest compared with the company’s equity base. This indicates Chime has not relied heavily on borrowing to fund its growth, which reduces financial risk. Equity has edged down from earlier levels as losses accumulated, but it still comfortably exceeds debt, suggesting a solid capital cushion for now. The model appears asset-light, which is typical for a digital-first financial platform.

Cash Flow

Cash Flow Chime’s cash flow profile has improved meaningfully: the business moved from consuming cash in its early years to generating a small amount of cash from operations most recently. Free cash flow shows the same pattern, helped by relatively low spending on physical assets and infrastructure. Most of the cash outflow is tied to operating expenses like marketing, technology, and staffing rather than heavy capital investment. This is encouraging, but the margin of positive cash flow is still thin, so any step-up in spending or slower growth could push cash generation back into negative territory. The company’s growing cash balance provides some buffer as it navigates this transition phase.

Competitive Edge

Competitive Edge Chime occupies a strong niche in digital banking, built around a mobile-first experience and a clear brand promise of low fees and simplicity for everyday consumers, especially those underserved by traditional banks. Its “Durbin moat” – earning higher debit interchange by partnering with smaller banks – gives it a structural revenue advantage compared with large banks that are subject to fee caps. Features like early pay, overdraft relief, and credit-building tools deepen engagement and make Chime feel more like a financial partner than a conventional bank. However, competition is intense: big banks are improving their apps, other neobanks are targeting similar customers, and large tech firms are nibbling at financial services. Regulatory changes to interchange rules or earned-wage-access products could also erode parts of Chime’s edge.

Innovation and R&D

Innovation and R&D Chime’s growth is driven by continuous product innovation layered on top of a modern, in-house technology stack. The company is heavily data-driven, analyzing massive volumes of user interactions to personalize limits, alerts, and rewards, and it is increasingly exploring AI for guidance and automation. It has expanded beyond basic checking into a broader ecosystem: fee-free overdrafts, early paycheck access, a secured card focused on building credit, earned wage access, cash-back credit offerings, and even integrated tax filing. This shows a strategy of becoming a central financial hub for customers with frequent, high-utility touchpoints. The opportunity is to deepen wallet share and loyalty, but each new product—especially those with credit or advance components—adds complexity, regulatory exposure, and potential credit or fraud risk that must be carefully managed.

Summary

Overall, Chime looks like a scaling fintech platform that has already proven strong customer demand and is now working through the classic transition from growth-at-all-costs toward sustainable profitability. Revenue and gross profit are rising, losses are shrinking, and cash flow has just tipped into positive territory, all supported by a relatively clean, low-debt balance sheet. Its brand with underserved customers, fee-light model, and regulatory-driven interchange advantage form a meaningful, though not unassailable, moat. At the same time, the company still depends heavily on one main revenue stream, operates in a fast-moving and crowded market, and faces real regulatory and execution risks as it broadens into credit, wage access, and new demographics. How well Chime balances growth, risk management, and profitability over the next few years will largely determine the quality and durability of its business model.

NEWS

November 13, 2025 · 9:00 AM UTC

Heidi Wins CHIME Foundation Partner of The Year Award

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November 10, 2025 · 4:05 PM UTC

Chime to Participate in UBS Global Technology and AI Conference

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November 5, 2025 · 4:05 PM UTC

Chime Reports Third Quarter 2025 Financial Results

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October 20, 2025 · 5:00 AM UTC

SunRock Biopharma and Chime Biologics Announce Strategic Collaboration to Advance Development of Anti-CCR9 Antibody SRB5

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October 8, 2025 · 4:05 PM UTC

Chime to Announce Third Quarter 2025 Financial Results on November 5, 2025

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