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Chime Financial, Inc. Class A Common Stock CHYM Q2 2025 earnings

Reported August 7, 2025 · After market close

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

Next report

Aug 6, 2026 (in a month)
Revenue estimate$639.6M
EPS estimate-$0.01

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

Q2 2025

Valuation

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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%

Versus estimates

Revenue

Q1 2026$647.4MBeat by $11.7MQ4 2025$596.4MBeat by $19.4MQ3 2025$543.5MBeat by $12.2M
Q2 2025$528.1MBeat by $25.4M
Q1 2025$518.7MQ4 2024$475.2M

Diluted EPS

Q1 2026$0.13Beat by $0.10Q4 2025-$0.12Beat by $0.08Q3 2025-$0.15Beat by $0.09
Q2 2025-$7.29Miss by $2.44
Q1 2025$0.04Q4 2024-$0.05

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Questions, answered.

When did Chime Financial, Inc. Class A Common Stock report Q2 2025 earnings?
Chime Financial, Inc. Class A Common Stock (CHYM) reported Q2 2025 earnings on August 7, 2025 after market close.
What were Chime Financial, Inc. Class A Common Stock's Q2 2025 revenue and EPS?
Chime Financial, Inc. Class A Common Stock reported revenue of $528.1M and diluted EPS of $-7.29 for Q2 2025.
Did Chime Financial, Inc. Class A Common Stock 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. Class A Common Stock's Q2 2025 SEC filings?
You can read the 10-Q periodic report (0001795586-25-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.