Detailed financial statements for Chime Financial, Inc. Class A Common Stock (CHYM): income statement, balance sheet and cash-flow summary. Track margins, debt, liquidity and profitability trends year over year: ten fiscal years free and up to 20 with Premium.
Chime Financial, Inc., a financial technology company, provides digital consumer banking and payment solutions in the United States and internationally. The company offers various products, such as spending, including checking accounts, debit cards, ATM and cash deposit networks, paycheck, outbound instant transfer; Chime Plus, a fee-free mobile banking experience; liquidity products, such as SpotMe, MyPay, and Instant Loans; building credit solutions comprising chime card an...
Analysis Summary
Trailing-twelve-month margins: gross margin 87.3%, operating margin -2.2%, net margin -0.8%.
At $28.20 (closing price, November 3, 2026), CHYM has negative trailing earnings (P/E not meaningful) and an ROE of -1.28%. Market capitalisation stands at $10.7B, placing it among large-cap names.
Balance sheet quality for CHYM: debt-to-equity ratio of 0.09, current ratio of 137.30 over the last 12 months, net cash position of $919.4M at the end of the last fiscal year. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Income Statement (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $1.01B | $1.28B | $1.67B | $2.19B |
| Cost of Revenue | $214.7M | $219.7M | $207.5M | $309.0M |
| Gross Profit | $794.2M | $1.06B | $1.47B | $1.88B |
| Research & Development | $242.4M | $259.0M | $309.6M | $934.9M |
| Selling, General & Admin | $603.9M | $598.8M | $697.0M | $1.15B |
| Operating Expenses | $1.27B | $1.29B | $1.53B | $2.92B |
| Operating Income | -$478.7M | -$235.8M | -$62.2M | -$1.04B |
| EBITDA | -$471.4M | -$222.8M | -$36.8M | -$979.1M |
| Interest Expense | 0 | 0 | 0 | 0 |
| Pre-tax Income | -$470.6M | -$203.0M | -$22.7M | -$1.01B |
| Income Tax | -$337,000 | $234,000 | $2.6M | $831,000 |
| Net Income | -$470.3M | -$203.2M | -$25.3M | -$1.01B |
| EPS | -$1.29 | -$0.56 | -$0.07 | -$2.67 |
| EPS (Diluted) | -$1.29 | -$0.56 | -$0.07 | -$2.60 |
| Shares Outstanding (Diluted) | 364.4 M | 364.4 M | 364.4 M | 388.2 M |
Income Statement (Quarterly)
| Year | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|---|---|---|---|
| Revenue | $543.5M | $596.4M | $647.4M | $577.0M |
| Gross Profit | $474.1M | $530.2M | $568.5M | $490.2M |
| Operating Income | -$64.7M | -$53.8M | $46.2M | $21.3M |
| EBITDA | -$57.2M | -$46.0M | $61.6M | $35.6M |
| Net Income | -$54.7M | -$44.8M | $53.5M | $27.9M |
| EPS | -$0.15 | -$0.12 | $0.14 | $0.07 |
| EPS (Diluted) | -$0.15 | -$0.12 | $0.13 | $0.07 |
Balance Sheet (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Cash & Equivalents | $203.4M | $239.7M | $337.7M | $466.3M |
| Short-term Investments | $734.6M | $560.9M | $368.9M | $587.8M |
| Receivables | $123.2M | $176.5M | $316.0M | $329.5M |
| Inventory | 0 | 0 | 0 | 0 |
| Total Current Assets | $1.27B | $1.16B | $1.29B | $1.76B |
| Property, Plant & Equipment | $146.2M | $157.5M | $142.0M | $177.7M |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Total Assets | $1.42B | $1.32B | $1.46B | $1.96B |
| Accounts Payable | $20.8M | $22.1M | $35.8M | $38.7M |
| Short-term Debt | 0 | 0 | 0 | 0 |
| Total Current Liabilities | $215.5M | $288.7M | $374.8M | $387.9M |
| Long-term Debt | 0 | 0 | 0 | 0 |
| Total Liabilities | $316.7M | $383.7M | $501.5M | $562.9M |
| Retained Earnings | -$2.14B | -$2.34B | -$2.36B | -$3.37B |
| Total Equity | $1.10B | $936.5M | $959.5M | $1.40B |
| Total Debt | $100.8M | $104.9M | $96.3M | $134.7M |
| Net Debt | -$837.2M | -$695.7M | -$610.2M | -$919.4M |
| Working Capital | $1.06B | $873.2M | $912.2M | $1.37B |
Cash Flow (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Net Income | -$470.3M | -$203.2M | -$25.3M | -$1.01B |
| Depreciation & Amortization | $7.3M | $12.9M | $25.4M | $30.0M |
| Stock-based Compensation | $28.4M | $26.0M | $29.8M | $1.07B |
| Change in Working Capital | -$158.9M | -$136.7M | -$104.2M | -$234.3M |
| Operating Cash Flow | -$434.1M | -$156.6M | $64.1M | $52.8M |
| Capital Expenditure | -$72.9M | -$27.8M | -$14.5M | -$19.9M |
| Acquisitions | 0 | 0 | -$13.3M | 0 |
| Stock Repurchased | -$508,000 | -$61,000 | -$950,000 | -$77.5M |
| Dividends Paid | 0 | 0 | 0 | 0 |
| Free Cash Flow | -$507.0M | -$184.4M | $49.7M | $32.9M |
Growth & Margins (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth (YoY) | +26.7% | +30.9% | +30.7% | |
| Net Income Growth (YoY) | +56.8% | +87.5% | -3,884.9% | |
| EPS Growth (YoY) | +56.6% | +87.6% | -3,736.2% | |
| Shares Change (YoY) | +0.0% | +0.0% | +6.5% | |
| FCF Growth (YoY) | +63.6% | +126.9% | -33.8% | |
| Gross Margin | 78.7% | 82.8% | 87.6% | 85.9% |
| Operating Margin | -47.5% | -18.4% | -3.7% | -47.6% |
| EBITDA Margin | -46.7% | -17.4% | -2.2% | -44.8% |
| Net Margin | -46.6% | -15.9% | -1.5% | -46.2% |
| FCF Margin | -50.3% | -14.4% | 3.0% | 1.5% |
| Effective Tax Rate | 0.1% | -0.1% | -11.5% | -0.1% |
Per-Share Data (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| FCF Per Share | -$1.39 | -$0.51 | $0.14 | $0.08 |
| Dividends Per Share | $0.00 | $0.00 | $0.00 | $0.00 |
| Shares Outstanding (Basic) | 364.4 M | 364.4 M | 364.4 M | 378.8 M |
What to look at in Technology companies
- Revenue growth 3y (>=15%/year) — Validates sustained traction, not a one-off.
- Gross margin (Sub-sector dependent) — SaaS >=70%, Internet >=55%, Semis >=45%, Hardware >=35%.
- FCF / Revenue (>=20%) — Real cash generated. Many tech firms dress up non-GAAP earnings.
- ROIC (>=15%) — Capital reinvested efficiency — Buffett's first metric.
- SBC / Revenue (<10% healthy) — Stock-based compensation. Silent dilution: >20% destroys value.
- Net Debt / EBITDA (<=2x (1.5x SaaS)) — Resilience in downturns and rate hikes.
Profitability
| Return on Equity | -1.28% |
| Return on Invested Capital | -2.55% |
| Return on Assets | -0.91% |
| Gross Margin | 87.26% |
| Operating Margin | -2.16% |
| Net Margin | -0.77% |
Financial Health
| Debt / Equity | 0.09 |
| Current Ratio | 137.30 |
| Piotroski F-Score | 4 |
| Altman Z-Score | 7.96 |
Key Ratios (10y)
| Year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| P/E | -28.77 | -66.27 | -533.19 | -9.43 |
| P/B | 12.28 | 14.44 | 14.09 | 6.80 |
| P/S | 13.41 | 10.58 | 8.08 | 4.36 |
| Gross Margin | 78.7% | 82.8% | 87.6% | 85.9% |
| Operating Margin | -47.5% | -18.4% | -3.7% | -47.6% |
| Net Margin | -46.6% | -15.9% | -1.5% | -46.2% |
Related companies: MA · PYPL · PAYP · DAVE · NU · GPN
Explore sector: Technology · Software - Application
More sections of CHYM: Overview · Valuation · Estimates · Technical · Ownership
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