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Chime Financial, Inc. CHYM Q2 2025 earnings

Reported August 7, 2025 · After market close

Revenue$528.1MBeat by $25.4M
EPS-$7.29Miss by $2.44
Revenue estimate$502.8M
EPS estimate-$4.85

Next report

Nov 4, 2026 (in 3 months)
Revenue estimate$671.9M
EPS estimate$0.05

Financials

Q2 2025

Income statement

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Revenue$528.1M+37.5%
Gross profit$461.0M+38.2%
Operating income-$930.6M-9,757%
Net income-$923.4M-239,938%
EPS (diluted)-$7.29—

Balance sheet

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Cash & equivalents$881.8M+189%
Total debt$87.9M—
Total equity$1.4B+175%
Total assets$1.9B—

Cash flow

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Operating cash flow$28.5M—
CapEx$2.0M—
Free cash flow$26.5M—

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$10.57B—
Enterprise value$9.77B—
P/S5.4×—

Profitability

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Gross margin87.8%+2.5pp
Operating margin-50.4%-64.4pp
Net margin-49%-57.0pp

Returns & leverage

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Debt / equity0.1×—
Current ratio4.8×—

Segments

By product

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Payments revenue$366.1M+18.9%
Platform-related revenue$162.0M+113%
MyPay$77.7M+803%

FAQ

When did Chime Financial, Inc. report Q2 2025 earnings?
Chime Financial, Inc. (CHYM) reported Q2 2025 earnings on August 7, 2025 after market close.
What were Chime Financial, Inc.'s Q2 2025 revenue and EPS?
Chime Financial, Inc. reported revenue of $528.1M and eps of $-7.29 for Q2 2025.
Did Chime Financial, Inc. beat estimates in Q2 2025?
Revenue beat the consensus estimate of $502.8M by $25.4M. EPS missed the consensus estimate of $-4.85 by $2.44.
Where can I find Chime Financial, Inc.'s Q2 2025 SEC filings?
You can read the 8-K earnings release (0001795586-25-000004) and the 10-Q periodic report (0001795586-25-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.