Chime Financial, Inc. Income Statement
CHYM / Financials|3 years of annual SEC 10-K data (FY2023-FY2025)
Line items include revenue, cost of goods sold, gross profit, operating expenses, interest, taxes, and net income with per-share data across 3 fiscal years. All figures from audited SEC 10-K filings.
Chime Financial, Inc. reported $2.2B in revenue and $1.0B in net loss for FY2025. Revenue has grown at a 30.8% compound annual rate over the past 2 years.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score -0.44 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
| Item | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| Revenue | $2.2B | $1.7B | $1.3B |
| Cost of Revenue | $263.0M | $207.5M | $219.7M |
| Gross Profit | $1.9B | $1.5B | $1.1B |
| SG&A Expense | $512.1M | $177.2M | $154.9M |
| R&D Expense | $934.9M | $309.6M | $259.0M |
| Operating Income | -$1.0B | -$62.2M | -$235.8M |
| Income Tax | $831.0K | $2.6M | $234.0K |
| Net Income | -$1.0B | -$25.3M | -$203.2M |
| EPS (Basic) | -$3.22 | -$0.39 | -$3.22 |
| EPS (Diluted) | -$3.22 | -$0.39 | -$3.22 |
| Shares Outstanding | 67.0M | 64.9M | 63.1M |
| Gross Margin | 88.0% | 87.6% | 82.8% |
| Operating Margin | -47.6% | -3.7% | -18.4% |
| Profit Margin | -46.2% | -1.5% | -15.9% |