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10-Q

Quarterly Report

Chime Financial, Inc. CHYM

0001795586-25-000019

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Filed
Nov 10, 2025 12:00 AM ET
Period of report

On SEC.gov

Financials in this filing

Metric Period Value
Shares Diluted Q3 2025 · Sep 30, 2025 371.83M sh
Shares Diluted Q3 2025 · Sep 30, 2025 189.23M sh
Shares Diluted Q3 2025 · Sep 30, 2024 65.15M sh
Shares Diluted Q3 2025 · Sep 30, 2024 64.76M sh
Shares Outstanding Q3 2025 · Sep 30, 2025 0 sh
Shares Outstanding Q3 2025 · Dec 31, 2024 66.95M sh
Stock Repurchased Q3 2025 · Sep 30, 2025 $0
Stock Repurchased Q3 2025 · Sep 30, 2024 $950K
Capex Q3 2025 · Sep 30, 2025 $5.69M
Capex Q3 2025 · Sep 30, 2024 $3.23M
Operating Cash Flow Q3 2025 · Sep 30, 2025 $20.23M
Operating Cash Flow Q3 2025 · Sep 30, 2024 $45.91M
Cash And Equivalents Q3 2025 · Sep 30, 2025 $445.03M
Cash And Equivalents Q3 2025 · Dec 31, 2024 $337.7M
Cash And Equivalents Q3 2025 · Sep 30, 2024 $270.83M
Stockholders Equity Q3 2025 · Sep 30, 2025 $1.44B
Stockholders Equity Q3 2025 · Jun 30, 2025 $1.43B
Stockholders Equity Q3 2025 · Mar 31, 2025 −$1.91B
Stockholders Equity Q3 2025 · Dec 31, 2024 −$1.93B
Stockholders Equity Q3 2025 · Sep 30, 2024 −$1.92B
Stockholders Equity Q3 2025 · Jun 30, 2024 −$1.91B
Stockholders Equity Q3 2025 · Mar 31, 2024 −$1.93B
Stockholders Equity Q3 2025 · Dec 31, 2023 −$1.95B
Current Liabilities Q3 2025 · Sep 30, 2025 $355.92M
Current Liabilities Q3 2025 · Dec 31, 2024 $374.82M
Total Liabilities Q3 2025 · Sep 30, 2025 $519.04M
Total Liabilities Q3 2025 · Dec 31, 2024 $501.52M
Current Assets Q3 2025 · Sep 30, 2025 $1.76B
Current Assets Q3 2025 · Dec 31, 2024 $1.29B
Total Assets Q3 2025 · Sep 30, 2025 $1.96B
Total Assets Q3 2025 · Dec 31, 2024 $1.46B
Eps Diluted Q3 2025 · Sep 30, 2025 −$0.15
Eps Diluted Q3 2025 · Sep 30, 2025 −$5.10
Eps Diluted Q3 2025 · Sep 30, 2024 −$0.34
Eps Diluted Q3 2025 · Sep 30, 2024 −$0.09
Eps Basic Q3 2025 · Sep 30, 2025 −$0.15
Eps Basic Q3 2025 · Sep 30, 2025 −$5.10
Eps Basic Q3 2025 · Sep 30, 2024 −$0.34
Eps Basic Q3 2025 · Sep 30, 2024 −$0.09
Sga Expense Q3 2025 · Sep 30, 2025 $76.58M
Sga Expense Q3 2025 · Sep 30, 2025 $403.42M
Sga Expense Q3 2025 · Sep 30, 2024 $46.65M
Sga Expense Q3 2025 · Sep 30, 2024 $127.54M
Rd Expense Q3 2025 · Sep 30, 2025 $123.94M
Rd Expense Q3 2025 · Sep 30, 2025 $823.58M
Rd Expense Q3 2025 · Sep 30, 2024 $80.4M
Rd Expense Q3 2025 · Sep 30, 2024 $230.7M
Net Income Q3 2025 · Sep 30, 2025 −$54.72M
Net Income Q3 2025 · Sep 30, 2025 −$965.16M
Net Income Q3 2025 · Jun 30, 2025 −$923.38M
Net Income Q3 2025 · Mar 31, 2025 $12.94M
Net Income Q3 2025 · Sep 30, 2024 −$22.03M
Net Income Q3 2025 · Sep 30, 2024 −$5.74M
Net Income Q3 2025 · Jun 30, 2024 $385K
Net Income Q3 2025 · Mar 31, 2024 $15.9M
Operating Income Q3 2025 · Sep 30, 2025 −$64.71M
Operating Income Q3 2025 · Sep 30, 2025 −$986.21M
Operating Income Q3 2025 · Sep 30, 2024 −$30.64M
Operating Income Q3 2025 · Sep 30, 2024 −$35.05M
Gross Profit Q3 2025 · Sep 30, 2025 $474.12M
Gross Profit Q3 2025 · Sep 30, 2025 $1.39B
Gross Profit Q3 2025 · Sep 30, 2024 $368.36M
Gross Profit Q3 2025 · Sep 30, 2024 $1.05B
Cost Of Revenue Q3 2025 · Sep 30, 2025 $69.4M
Cost Of Revenue Q3 2025 · Sep 30, 2025 $196.94M
Cost Of Revenue Q3 2025 · Sep 30, 2024 $53.52M
Cost Of Revenue Q3 2025 · Sep 30, 2024 $151.47M
Revenue Q3 2025 · Sep 30, 2025 $543.52M
Revenue Q3 2025 · Sep 30, 2025 $1.59B
Revenue Q3 2025 · Sep 30, 2024 $421.87M
Revenue Q3 2025 · Sep 30, 2024 $1.2B