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Chime Financial, Inc. (CHYM)
Technology · Software - Application · NasdaqGS
Chime Financial, Inc. revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $1.01B | $1.28B | $1.67B | $2.19B |
| Gross profit | $794.15M | $1.06B | $1.47B | $1.92B |
| Net income | $-470.25M | $-203.20M | $-25.34M | $-1.01B |
| Net margin | -46.6% | -15.9% | -1.5% | -46.2% |
Source: Chime Financial, Inc. SEC filings (10-K).
What growth is priced into CHYM stock?
At today's market cap of $6.26B, Chime Financial, Inc. is priced for free-cash-flow growth of about 44% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $24.06M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 4 years of Chime Financial, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Chime Financial, Inc. financial history by metric
About Chime Financial, Inc.
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 and credit builder credit card, and FICO score tracking; savings and perks products; community focused products, including Pay Anyone and SpotMe Boosts; Enterprise offers Chime Workplace, a suite of financial services and employee benefits tools to their employees; and other support and operations. The company was formerly known as 1Debit Inc. and changed its name to Chime Financial, Inc. in June 2019. Chime Financial, Inc. was incorporated in 2012 and is headquartered in San Francisco, California.
Chime Financial, Inc. — frequently asked questions
What is Chime Financial, Inc.'s revenue?
Chime Financial, Inc. (CHYM) reported revenue of $2.19B for fiscal year 2025, up 30.7% from the prior year, according to its SEC filings.
Is Chime Financial, Inc. profitable?
No — CHYM reported a net loss of $-1.01B in fiscal 2025.
What is CHYM's P/E ratio?
Chime Financial, Inc. trades at a price-to-earnings ratio of about 0.0 based on the latest data in our nightly-refreshed cache.
How fast is Chime Financial, Inc. growing?
CHYM's revenue grew at roughly 29.4% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Chime Financial, Inc. have?
As of fiscal year 2025, CHYM carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Chime Financial, Inc.'s gross margin?
CHYM's gross margin was 88.0% in fiscal 2025 — gross profit of $1.92B on revenue of $2.19B.
What is Chime Financial, Inc.'s market cap?
Chime Financial, Inc. (CHYM) has a market capitalization of about $6.26B, based on the latest data in our nightly-refreshed cache.
When does Chime Financial, Inc.'s fiscal year end?
CHYM's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CHYM stock?
At today's market cap of $6.26B, Chime Financial, Inc. is priced for free-cash-flow growth of about 44% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $24.06M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Chime Financial, Inc.'s official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.