The Filings Report

Chime Financial, Inc. Class A Common Stock

CHYMNasdaqCIK 1795586Financial / Credit Servicesfiscal year ends December10 quarters since 2024

Revenue, Q2 FY2026
$670M
+26.8% on Q2 FY2025
Net income
$28M
+103.0% on Q2 FY2025
Free cash flow
$198M
+646.7% on Q2 FY2025
Diluted EPS
$0.07
+101.0% on Q2 FY2025
Revenue, TTM
$2.5B
trailing four quarters
Net margin, TTM
-0.7%
net income −$18M
Free cash flow, TTM
$312M
$345M less $33M capex
Cash and equivalents
$536M
long-term debt —, Jun 30, 2026
Shares, 12-month change
—
— shares, Jun 30, 2026
Buybacks, TTM
$300M
no yield
Dividends, TTM
—
no yield
Market value
—
at the close, buybacks

Latest quarter Q2 FY2026, filed August 6, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.

In Q2 FY2026, the quarter ended June 30, 2026, Chime Financial, Inc. Class A Common Stock reported revenue of $670M, +26.8% on Q2 FY2025, and net income of $28M (+103.0%). Operating margin was 3.2%. Free cash flow, operating cash flow less capital expenditures, was $198M ($207M less $10M). Diluted earnings per share were $0.07.

The last 10 quarters

Q1 FY2024 to Q2 FY2026, through the filing of August 6, 2026.

Revenue and net incomeRevenueNet income
−$1.0B−$500M$0$500M$1.0BQ1'24, Net income: $16MQ1'24Q2'24, Revenue: $384MQ2'24, Net income: $385KQ2'24Q3'24, Revenue: $422MQ3'24, Net income: −$22MQ3'24Q4'24, Revenue: $475MQ4'24, Net income: −$20MQ4'24Q1'25, Revenue: $519MQ1'25, Net income: $13MQ1'25Q2'25, Revenue: $528MQ2'25, Net income: −$923MQ2'25Q3'25, Revenue: $544MQ3'25, Net income: −$55MQ3'25Q4'25, Revenue: $596MQ4'25, Net income: −$45MQ4'25Q1'26, Revenue: $647MQ1'26, Net income: $53MQ1'26Q2'26, Revenue: $670MQ2'26, Net income: $28MQ2'26−$1.0B−$500M$0$500M$1.0BQ1'24, Net income: $16MQ1'24Q2'24, Revenue: $384MQ2'24, Net income: $385KQ2'24Q3'24, Revenue: $422MQ3'24, Net income: −$22MQ3'24Q4'24, Revenue: $475MQ4'24, Net income: −$20MQ4'24Q1'25, Revenue: $519MQ1'25, Net income: $13MQ1'25Q2'25, Revenue: $528MQ2'25, Net income: −$923MQ2'25Q3'25, Revenue: $544MQ3'25, Net income: −$55MQ3'25Q4'25, Revenue: $596MQ4'25, Net income: −$45MQ4'25Q1'26, Revenue: $647MQ1'26, Net income: $53MQ1'26Q2'26, Revenue: $670MQ2'26, Net income: $28MQ2'26

Net income losses drawn in red.

Free cash flow
−$100M$0$100M$200MQ1'24Q2'24Q3'24, Free cash flow: −$28MQ3'24Q4'24, Free cash flow: $17MQ4'24Q1'25, Free cash flow: −$27MQ1'25Q2'25, Free cash flow: $26MQ2'25Q3'25, Free cash flow: $15MQ3'25Q4'25, Free cash flow: $18MQ4'25Q1'26, Free cash flow: $81MQ1'26Q2'26, Free cash flow: $198MQ2'26−$100M$0$100M$200MQ1'24Q2'24Q3'24, Free cash flow: −$28MQ3'24Q4'24, Free cash flow: $17MQ4'24Q1'25, Free cash flow: −$27MQ1'25Q2'25, Free cash flow: $26MQ2'25Q3'25, Free cash flow: $15MQ3'25Q4'25, Free cash flow: $18MQ4'25Q1'26, Free cash flow: $81MQ1'26Q2'26, Free cash flow: $198MQ2'26

Operating cash flow less capital expenditures; negative quarters in red.

Cash and equivalents against long-term debtCash and equivalentsLong-term debt
$0$250M$500M$750M$1.0BQ1'24Q2'24, Cash and equivalents: $295MQ2'24Q3'24, Cash and equivalents: $271MQ3'24Q4'24, Cash and equivalents: $338MQ4'24Q1'25, Cash and equivalents: $318MQ1'25Q2'25, Cash and equivalents: $868MQ2'25Q3'25, Cash and equivalents: $445MQ3'25Q4'25, Cash and equivalents: $466MQ4'25Q1'26, Cash and equivalents: $608MQ1'26Q2'26, Cash and equivalents: $536MQ2'26$0$250M$500M$750M$1.0BQ1'24Q2'24, Cash and equivalents: $295MQ2'24Q3'24, Cash and equivalents: $271MQ3'24Q4'24, Cash and equivalents: $338MQ4'24Q1'25, Cash and equivalents: $318MQ1'25Q2'25, Cash and equivalents: $868MQ2'25Q3'25, Cash and equivalents: $445MQ3'25Q4'25, Cash and equivalents: $466MQ4'25Q1'26, Cash and equivalents: $608MQ1'26Q2'26, Cash and equivalents: $536MQ2'26

Positions at each quarter end, as filed; short-term investments are not included.

Income statement

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

Chime Financial, Inc. Class A Common Stock income statement, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Mar 6, 2026Q3 FY2025ended Sep 30, 2025filed Nov 10, 2025Q2 FY2025ended Jun 30, 2025filed Aug 11, 2025Q1 FY2025ended Mar 31, 2025filed Aug 11, 2025Q4 FY2024ended Dec 31, 2024filed Aug 11, 2025Q3 FY2024ended Sep 30, 2024filed Nov 10, 2025YoYQ2 FY2026vs Q2 FY2025
Revenue670647596544528519475422+26.8%
Cost of revenue7567666967605654+11.6%
Gross profit595580530474461458419368+29.0%
Research and development112110111124622787980−82.0%
Selling, general and administrative807010977280475047−71.3%
Operating income2146(54)(65)(931)9(27)(31)+102.3%
Other income (expense)7891065811+8.5%
Pretax income2854(45)(54)(924)14(19)(20)+103.0%
Income tax0000(1)212+120.3%
Net income2853(45)(55)(923)13(20)(22)+103.0%
Diluted EPS ($)0.070.13—(0.15)(7.29)0.00—(0.34)+101.0%
Diluted shares (millions)393400—37212766—65—

Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.

Balance sheet

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

Chime Financial, Inc. Class A Common Stock balance sheet, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Mar 6, 2026Q3 FY2025ended Sep 30, 2025filed Nov 10, 2025Q2 FY2025ended Jun 30, 2025filed Aug 11, 2025Q1 FY2025ended Mar 31, 2025filed Aug 11, 2025Q4 FY2024ended Dec 31, 2024filed Aug 11, 2025Q3 FY2024ended Sep 30, 2024filed Nov 10, 2025YoYQ2 FY2026vs Q2 FY2025
Cash and equivalents536608466445868318338271−38.3%
Short-term investments527404588634225—369—+134.3%
Total current assets1,7901,7441,7561,7591,736—1,287—+3.1%
Total assets1,9971,9501,9651,9621,902—1,461—+5.0%
Total current liabilities387344388356360—375—+7.7%
Long-term debt—————————
Total liabilities592509563519474—502—+24.8%
Stockholders’ equity1,4051,4411,4021,4431,428(1,908)(1,931)(1,917)−1.6%
Shares outstanding (millions)—————————

Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.

Cash flow statement

Last eight quarters, newest first, through Q2 FY2026 filed August 6, 2026.

Chime Financial, Inc. Class A Common Stock cash flow statement, quarterly
Millions of dollarsQ2 FY2026ended Jun 30, 2026filed Aug 6, 2026Q1 FY2026ended Mar 31, 2026filed May 7, 2026Q4 FY2025ended Dec 31, 2025filed Mar 6, 2026Q3 FY2025ended Sep 30, 2025filed Nov 10, 2025Q2 FY2025ended Jun 30, 2025filed Aug 11, 2025Q1 FY2025ended Mar 31, 2025filed Aug 11, 2025Q4 FY2024ended Dec 31, 2024filed Aug 11, 2025Q3 FY2024ended Sep 30, 2024filed Nov 10, 2025YoYQ2 FY2026vs Q2 FY2025
Operating cash flow20787331728(26)18(25)+628.1%
Capital expenditures1071422223+387.7%
Free cash flow (CFO − capex)19881181526(27)17(28)+646.7%
Depreciation and amortization88887777+2.0%
Share repurchases136867800000—
Dividends paid—————————

10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.

Annual statements

Every fiscal year filed, newest first, through FY2025 filed March 6, 2026.

Income statement

Chime Financial, Inc. Class A Common Stock income statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Mar 6, 2026FY2024ended Dec 31, 2024filed Aug 11, 2025FY2023ended Dec 31, 2023filed Aug 11, 2025
Revenue2,1871,6731,278
Cost of revenue263208220
Gross profit1,9241,4661,059
Research and development935310259
Selling, general and administrative512177155
Operating income(1,040)(62)(236)
Other income (expense)313933
Pretax income(1,009)(23)(203)
Income tax130
Net income(1,010)(25)(203)
Diluted EPS ($)(4.27)(0.39)(3.22)
Diluted shares (millions)2366563

Balance sheet

Chime Financial, Inc. Class A Common Stock balance sheet, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Mar 6, 2026FY2024ended Dec 31, 2024filed Aug 11, 2025FY2023ended Dec 31, 2023filed Aug 11, 2025
Cash and equivalents466338240
Short-term investments588369—
Total current assets1,7561,287—
Total assets1,9651,461—
Total current liabilities388375—
Long-term debt———
Total liabilities563502—
Stockholders’ equity1,402(1,931)(1,954)
Shares outstanding (millions)———

Cash flow statement

Chime Financial, Inc. Class A Common Stock cash flow statement, annual
Millions of dollarsFY2025ended Dec 31, 2025filed Mar 6, 2026FY2024ended Dec 31, 2024filed Aug 11, 2025FY2023ended Dec 31, 2023filed Aug 11, 2025
Operating cash flow5364(157)
Capital expenditures20511
Free cash flow (CFO − capex)3359(167)
Depreciation and amortization302513
Share repurchases7810
Dividends paid———

Insider activity

Form 4 filings by officers, directors and 10% owners, November 3, 2024 to November 3, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.

Bought, three months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, three months
$1.2B
322 sales by 9 insiders; officers and directors $94M
Bought, twelve months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, twelve months
$1.2B
338 sales by 9 insiders; officers and directors $103M

The last 25 transactions

TradedInsiderRoleTransactionSharesPriceValueHeld afterFiled
Oct 20, 2026King Ryan ACo-Founder, Directorconversionindirect11,318$0.00—49,130Oct 22, 2026
Oct 20, 2026King Ryan ACo-Founder, Directoropen-market sale10b5-1indirect11,318$31.03$351K37,812Oct 22, 2026
Oct 16, 2026Britt Christopher RChief Executive Officer, Directorgift57,562$0.00—235,417Oct 16, 2026
Oct 16, 2026Britt Christopher RChief Executive Officer, Directorgiftindirect57,562$0.00—57,562Oct 16, 2026
Oct 16, 2026King Ryan ACo-Founder, Directorgift37,812$0.00—116,667Oct 16, 2026
Oct 16, 2026King Ryan ACo-Founder, Directorgiftindirect37,812$0.00—37,812Oct 16, 2026
Oct 15, 2026Britt Christopher RChief Executive Officer, Directortax withholding67,438$29.00$2M292,979Oct 16, 2026
Oct 15, 2026King Ryan ACo-Founder, Directortax withholding37,188$29.00$1M154,479Oct 16, 2026
Oct 13, 2026King Ryan ACo-Founder, Directorconversionindirect300$0.00—300Oct 13, 2026
Oct 13, 2026King Ryan ACo-Founder, Directoropen-market sale10b5-1indirect300$31.00$9K0Oct 13, 2026
Oct 9, 2026King Ryan ACo-Founder, Directorconversionindirect50,000$0.00—50,000Oct 13, 2026
Oct 9, 2026King Ryan ACo-Founder, Directoropen-market sale10b5-1indirect50,000$29.40$1M0Oct 13, 2026
Sep 16, 2026Feuille JamesDirectoropen-market saleindirect62,218$31.46$2M7MSep 16, 2026
Sep 16, 2026Feuille JamesDirectoropen-market saleindirect33,182$32.19$1M7MSep 16, 2026
Sep 16, 2026Feuille JamesDirectoropen-market saleindirect161,437$32.70$5M0Sep 16, 2026
Sep 15, 2026Feuille JamesDirectoropen-market saleindirect94,446$33.20$3M7MSep 16, 2026
Sep 15, 2026Feuille JamesDirectoropen-market saleindirect954$33.95$32K7MSep 16, 2026
Sep 15, 2026Frankel Adam BGeneral Counseloption exercise60,000$16.56$994K466,830Sep 16, 2026
Sep 15, 2026Frankel Adam BGeneral Counselopen-market sale10b5-186,948$33.23$3M379,882Sep 16, 2026
Sep 15, 2026Frankel Adam BGeneral Counselopen-market sale10b5-115,054$33.78$509K364,828Sep 16, 2026
Sep 14, 2026DST Global Advisors Ltd+3 more10% owneropen-market saleindirect1M$33.97$47M17MSep 16, 2026
Sep 14, 2026DST Global Advisors Ltd+3 more10% owneropen-market saleindirect85,707$34.25$3M16MSep 16, 2026
Sep 14, 2026DST Global Advisors Ltd+3 more10% owneropen-market saleindirect712,293$33.97$24M9MSep 16, 2026
Sep 14, 2026DST Global Advisors Ltd+3 more10% owneropen-market saleindirect44,033$34.25$2M8MSep 16, 2026
Sep 14, 2026DST Global Advisors Ltd+3 more10% owneropen-market saleindirect119,566$33.97$4M1MSep 16, 2026

Full insider history for Chime Financial, Inc. Class A Common Stock, or insider activity across all companies. A record of filings, not a recommendation.

Sources

Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.

Filer
Chime Financial, Inc., CIK 1795586 on EDGAR
Extract generated
November 4, 2026
Withheld
none
Repaired
none
XBRL concepts behind each line

Income statement

Revenue: Revenues
Cost of revenue: CostOfGoodsAndServicesSold
Gross profit: GrossProfit
Research and development: ResearchAndDevelopmentExpense
Selling, general and administrative: GeneralAndAdministrativeExpense
Operating income: OperatingIncomeLoss
Other income (expense): OtherNonoperatingIncomeExpense
Pretax income: IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
Income tax: IncomeTaxExpenseBenefit
Net income: NetIncomeLoss
Diluted EPS ($): EarningsPerShareDiluted
Diluted shares (millions): WeightedAverageNumberOfDilutedSharesOutstanding

Balance sheet

Cash and equivalents: CashAndCashEquivalentsAtCarryingValue
Short-term investments: AvailableForSaleSecuritiesDebtSecuritiesCurrent
Total current assets: AssetsCurrent
Total assets: Assets
Total current liabilities: LiabilitiesCurrent
Long-term debt: not filed
Total liabilities: Liabilities
Stockholders’ equity: StockholdersEquity
Shares outstanding (millions): not filed

Cash flow statement

Operating cash flow: NetCashProvidedByUsedInOperatingActivities
Capital expenditures: PaymentsToAcquireProductiveAssets, PaymentsToAcquirePropertyPlantAndEquipment
Free cash flow (CFO − capex): not filed
Depreciation and amortization: DepreciationDepletionAndAmortization
Share repurchases: PaymentsForRepurchaseOfCommonStock
Dividends paid: not filed

The data

The statements on this page as files, generated November 4, 2026.

JSON file
/data/financials/CHYM.json