In fiscal 2025, which ended Dec 31, 2025, Chime Financial, Inc. reported revenue of $2.2 billion. It recorded a net loss of $1.0 billion. The operating loss came to $1.0 billion, an operating margin of -47.6%. Diluted earnings per share were -$4.27. Over the twelve months ended Jun 30, 2026, revenue was $2.5 billion and the net loss was $18.2 million.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Jun 30, 2026
|
FY 2025
Dec 31, 2025
|
|---|---|---|
| Revenue |
2,457
|
2,187
|
| Cost of revenue |
277
|
263
|
| Gross profit |
2,180
|
1,924
|
| Research and development |
457
|
935
|
| Selling, general and administrative |
983
|
1,147
|
| Restructuring and impairment |
—
|
33
|
| Operating income |
-51
|
-1,040
|
| Other non-operating income (expense) |
34
|
31
|
| Pretax income |
-17
|
-1,009
|
| Income tax |
1
|
1
|
| Net income |
-18
|
-1,010
|
| Basic EPS |
-0.05
|
-4.27
|
| Diluted EPS |
-0.05
|
-4.27
|
| Weighted average shares, basic |
377
|
236
|
| Weighted average shares, diluted |
385
|
236
|
| Other measures | ||
| Depreciation and amortization |
31
|
30
|
| EBITDA |
-20
|
-1,010
|
| Margins | ||
| Gross margin |
88.71%
|
87.97%
|
| Operating margin |
-2.08%
|
-47.56%
|
| Pretax margin |
-0.70%
|
-46.15%
|
| Profit margin |
-0.74%
|
-46.18%
|
| EBITDA margin |
-0.83%
|
-46.19%
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. The first column is the trailing twelve months through the latest quarter. More on our methodology.
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Company profile
- Industry
- Finance Services (SIC 6199)
- Listed as
- CHYM (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- San Francisco, CA
- SEC filer status
- Non-accelerated filer
- SEC CIK
- 1795586
Other Finance Services companies
Source: SEC EDGAR filings. This is company-reported data, not investment advice.