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Chime Financial, Inc. Class A Common Stock CHYM Q3 2025 earnings

Reported November 5, 2025 · After market close

Revenue$543.5MBeat by $12.2MDiluted EPS-$0.15Beat by $0.09
Revenue estimate$531.3M
EPS estimate-$0.24

Next report

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

Financials

Q3 2025

Income statement

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Revenue$543.5M+28.8%
Gross profit$474.1M+28.7%
Operating income-$64.7M-111%
Net income-$54.7M-148%
EPS (diluted)-$0.15+55.9%

Balance sheet

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Cash & equivalents$458.7M+63.3%
Total debt$137.8M—
Total equity$1.4B+175%
Total assets$2.0B—

Cash flow

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Operating cash flow$17.5M—
CapEx$2.1M-33.6%
Free cash flow$15.4M—

Valuation & ratios

Q3 2025

Valuation

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Market cap$7.5B—
Enterprise value$7.18B—
P/S3.6×—

Profitability

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Gross margin87.8%+1.4pp
Operating margin-49.1%-57.9pp
Net margin-47.7%-52.1pp
FCF margin1.5%—

Returns & leverage

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Debt / equity0.1×—
Current ratio4.9×—

Segments

By product

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Payments revenue$363.2M+16.3%
Platform-related revenue$180.4M+64.5%
MyPay$88.4M+116%

Versus estimates

Revenue

Q1 2026$647.4MBeat by $11.7MQ4 2025$596.4MBeat by $19.4M
Q3 2025$543.5MBeat by $12.2M
Q2 2025$528.1MBeat by $25.4MQ1 2025$518.7MQ4 2024$475.2M

Diluted EPS

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

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Questions, answered.

When did Chime Financial, Inc. Class A Common Stock report Q3 2025 earnings?
Chime Financial, Inc. Class A Common Stock (CHYM) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Chime Financial, Inc. Class A Common Stock's Q3 2025 revenue and EPS?
Chime Financial, Inc. Class A Common Stock reported revenue of $543.5M and diluted EPS of $-0.15 for Q3 2025.
Did Chime Financial, Inc. Class A Common Stock beat estimates in Q3 2025?
Revenue beat the consensus estimate of $531.3M by $12.2M. EPS beat the consensus estimate of $-0.24 by $0.09.
How did Chime Financial, Inc. Class A Common Stock's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 28.8% from $421.9M a year earlier and diluted EPS declined 148.2% from $-0.06.
Where can I find Chime Financial, Inc. Class A Common Stock's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001795586-25-000015) and the 10-Q periodic report (0001795586-25-000019) directly on SEC EDGAR. The filing index links above go to sec.gov.