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Chime Financial, Inc. Class A Common Stock CHYM Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

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

Next report

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

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

Q4 2025

Valuation

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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%

Versus estimates

Revenue

Q1 2026$647.4MBeat by $11.7M
Q4 2025$596.4MBeat by $19.4M
Q3 2025$543.5MBeat by $12.2MQ2 2025$528.1MBeat by $25.4MQ1 2025$518.7MQ4 2024$475.2M

Diluted EPS

Q1 2026$0.13Beat by $0.10
Q4 2025-$0.12Beat by $0.08
Q3 2025-$0.15Beat by $0.09Q2 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 Q4 2025 earnings?
Chime Financial, Inc. Class A Common Stock (CHYM) reported Q4 2025 earnings on February 25, 2026 after market close.
What were Chime Financial, Inc. Class A Common Stock's Q4 2025 revenue and EPS?
Chime Financial, Inc. Class A Common Stock reported revenue of $596.4M and diluted EPS of $-0.12 for Q4 2025.
Did Chime Financial, Inc. Class A Common Stock 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. Class A Common Stock'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 diluted EPS declined 123.0% from $-0.05.
Where can I find Chime Financial, Inc. Class A Common Stock'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.