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Chime Financial, Inc. CHYM Q3 2025 earnings

Reported November 5, 2025 · After market close

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

Next report

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

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

Valuation

as of 09/30/25
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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%

FAQ

When did Chime Financial, Inc. report Q3 2025 earnings?
Chime Financial, Inc. (CHYM) reported Q3 2025 earnings on November 5, 2025 after market close.
What were Chime Financial, Inc.'s Q3 2025 revenue and EPS?
Chime Financial, Inc. reported revenue of $543.5M and eps of $-0.15 for Q3 2025.
Did Chime Financial, Inc. 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.'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 eps declined 148.2% from $-0.06.
Where can I find Chime Financial, Inc.'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.