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Chime Financial, Inc. CHYM Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

Revenue$596.4MBeat by $19.4M
EPS-$0.12Beat by $0.08
Revenue estimate$577.0M
EPS estimate-$0.20

Next report

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

Financials

Q4 2025

Income statement

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Revenue$596.4M+25.5%
Gross profit$530.3M+26.5%
Operating income-$53.8M-98.1%
Net income-$44.8M-128%

Balance sheet

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Cash & equivalents$466.3M+38.1%
Total debt$134.7M+39.8%
Total equity$1.4B+173%
Total assets$2.0B+34.5%

Cash flow

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Operating cash flow$32.6M+78.6%
CapEx$14.2M+800%
Free cash flow$18.4M+10.2%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$9.43B—
Enterprise value$9.1B—
P/S4.3×—

Profitability

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Gross margin88%+0.4pp
Operating margin-47.6%-52.4pp
Net margin-46.2%-47.8pp
FCF margin1.5%—

Returns & leverage

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Debt / equity0.1×—
Current ratio4.5×+1.1×

Segments

By product

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MyPay$103.1M+61.6%

FAQ

When did Chime Financial, Inc. report Q4 2025 earnings?
Chime Financial, Inc. (CHYM) reported Q4 2025 earnings on February 25, 2026 after market close.
What were Chime Financial, Inc.'s Q4 2025 revenue and EPS?
Chime Financial, Inc. reported revenue of $596.4M and eps of $-0.12 for Q4 2025.
Did Chime Financial, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $577.0M by $19.4M. EPS beat the consensus estimate of $-0.20 by $0.08.
How did Chime Financial, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.5% from $475.2M a year earlier and eps declined 123.0% from $-0.05.
Where can I find Chime Financial, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001795586-26-000004) and the 10-K periodic report (0001795586-26-000013) directly on SEC EDGAR. The filing index links above go to sec.gov.