Chime Financial, Inc. Class A Common Stock (CHYM) income statement
NASDAQ · Technology · Software - Application · 1,519 employees · CEO Chris Britt
- Price
- $27.95 -3.19%
- Market cap
- $10.6B
- Enterprise value
- $10.2B
- Last report
- Q2 '26 filed 2026-08-06
- Next report
- 2026-11-04
Chime Financial, Inc. Class A Common Stock (CHYM) reported revenue of $577M for Q2 '26 (+9.2% year on year), operating income of $21.3M (3.7% of revenue) and net income of $27.9M. Over the last four quarters revenue was $2.36B.
Income statement
| Income statement | Trend | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $315M | $338M | $392M | $384M | $422M | $475M | $519M | $528M | $544M | $596M | $647M | $577M | |
| Cost of revenue | $68.8M | $42.2M | $47.4M | $50.5M | $53.5M | $56M | $60.4M | $67.1M | $69.4M | $66.1M | $78.9M | $86.7M | |
| Gross profit | $246M | $296M | $345M | $334M | $368M | $419M | $458M | $461M | $474M | $530M | $568M | $490M | |
| Research & development | $0 | $0 | $74.9M | $75.4M | $80.4M | $78.9M | $77.9M | $622M | $124M | $111M | $110M | $112M | |
| Sales & marketing | $0 | $0 | $117M | $118M | $143M | $142M | $133M | $185M | $154M | $164M | $165M | $164M | |
| General & administrative | $0 | $0 | $39.3M | $41.6M | $46.6M | $49.7M | $47.2M | $280M | $76.6M | $109M | $70.5M | $80.1M | |
| Other operating expenses | $325M | $332M | $108M | $108M | $129M | $176M | $192M | $305M | $185M | $200M | $177M | $112M | |
| Operating expenses | $325M | $332M | $339M | $343M | $399M | $446M | $449M | $1.39B | $539M | $584M | $522M | $469M | |
| Operating income | -$78.3M | -$35.9M | $5.03M | -$9.44M | -$30.6M | -$27.1M | $9.14M | -$931M | -$64.7M | -$53.8M | $46.2M | $21.3M | |
| Other non-operating income (gains on investments, FX ...) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$7.75M | -$6.74M | |
| Total non-operating income | $13.4M | $6.14M | $10.5M | $9.9M | $10.8M | $8.24M | $5.35M | $6.22M | $10.3M | $9.04M | $7.75M | $6.74M | |
| Income before tax | -$64.9M | -$29.8M | $15.5M | $463K | -$19.8M | -$18.9M | $14.5M | -$924M | -$54.4M | -$44.7M | $53.9M | $28.1M | |
| Income tax | $3.6M | $3.76M | -$362K | $78K | $2.2M | $695K | $1.55M | -$1.05M | $280K | $46K | $455K | $213K | |
| Net income | -$68.5M | -$33.5M | $15.9M | $385K | -$22M | -$19.6M | $12.9M | -$923M | -$54.7M | -$44.8M | $53.5M | $27.9M | |
| EPS (basic) | -$0.19 | -$0.09 | $0.25 | $0.00 | -$0.06 | -$0.05 | $0.20 | -$2.49 | -$0.15 | -$0.12 | $0.14 | $0.07 | |
| EPS (diluted) | -$0.19 | -$0.09 | $0.25 | $0.00 | -$0.06 | -$0.05 | $0.20 | -$2.49 | -$0.15 | -$0.12 | $0.13 | $0.07 | |
| Shares (basic, weighted) | 364M | 364M | 364M | 364M | 364M | 364M | 364M | 371M | 371M | 376M | 382M | 381M | |
| Shares (diluted, weighted) | 364M | 364M | 364M | 364M | 364M | 364M | 364M | 371M | 371M | 376M | 400M | 397M | |
| Depreciation & amortization | $3.6M | $3.71M | $5.23M | $6.12M | $6.9M | $7.12M | $7.26M | $7.41M | $7.51M | $7.82M | $7.67M | $7.56M | |
| EBITDA | -$74.7M | -$32.2M | $10.3M | -$3.32M | -$23.7M | -$20M | $16.4M | -$923M | -$57.2M | -$46M | $61.6M | $35.6M |
| Income statement | Trend | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.01B | $1.28B | $1.67B | $2.19B | |
| Cost of revenue | $215M | $220M | $208M | $309M | |
| Gross profit | $794M | $1.06B | $1.47B | $1.88B | |
| Research & development | $242M | $259M | $310M | $935M | |
| Sales & marketing | $434M | $444M | $520M | $635M | |
| General & administrative | $170M | $155M | $177M | $512M | |
| Other operating expenses | $426M | $437M | $521M | $835M | |
| Operating expenses | $1.27B | $1.29B | $1.53B | $2.92B | |
| Operating income | -$479M | -$236M | -$62.2M | -$1.04B | |
| Other non-operating income (gains on investments, FX ...) | $0 | $0 | $0 | -$30.9M | |
| Total non-operating income | $8.11M | $32.8M | $39.5M | $30.9M | |
| Income before tax | -$471M | -$203M | -$22.7M | -$1.01B | |
| Income tax | -$337K | $234K | $2.61M | $831K | |
| Net income | -$470M | -$203M | -$25.3M | -$1.01B | |
| EPS (basic) | -$1.29 | -$0.56 | -$0.07 | -$2.67 | |
| EPS (diluted) | -$1.29 | -$0.56 | -$0.07 | -$2.60 | |
| Shares (basic, weighted) | 364M | 364M | 364M | 379M | |
| Shares (diluted, weighted) | 364M | 364M | 364M | 388M | |
| Depreciation & amortization | $7.3M | $12.9M | $25.4M | $30M | |
| EBITDA | -$471M | -$223M | -$36.8M | -$979M |
Standardised from the company's filings; outflows and costs keep the sign the provider reports. Hover a period for its end date. Amounts in USD.
Revenue, operating income and growth
quarterlyMargins
quarterlyCosts as % of revenue
quarterlyThe other statements
Sources
Statements, segment revenue, metrics and estimates are standardised from the company's filings. Segment profits and every reported line: SEC EDGAR (XBRL). Filings read: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30
Data as of 2026-11-02