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Chime Financial, Inc. CHYM MyPay — Revenue

Other product segments

Payments revenue
$363.16M+16.3%
Platform-related revenue
$180.36M+64.5%

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Other financials

Income statement

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Revenue$669.8M+26.8%
Gross profit$594.9M+29.0%
Operating income$21.3M+102%
Net income$27.9M+103%
EPS (diluted)$0.07+101%

Balance sheet

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Cash & equivalents$601.1M-31.8%
Total debt$130.9M+49.0%
Total equity$1.4B-1.6%
Total assets$2.0B+5.0%

Cash flow

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Operating cash flow$207.5M+628%
CapEx$9.9M+388%
Free cash flow$197.5M+647%

Valuation

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Market cap$9.88B-19.1%
Enterprise value$9.41B-17.6%
P/S-2.3×

Profitability

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Gross margin88.7%+0.9pp
Operating margin-2.1%-1.0pp
Net margin-0.7%-0.4pp
FCF margin12.7%

Returns & leverage

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Return on equity-1.3%
Debt / equity0.1×0.0×
Current ratio4.6×-0.2×

Where this comes from

Reported directly by Chime Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:Revenues.

The source filing: Chime Financial, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:11 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001795586-26-000048

(2) In the three and six months ended June 30, 2026, platform-related revenue included $114.8 million and $218.7 million related to MyPay receivables, which was comprised of $71.9 million and $136.8 million related to off-balance sheet MyPay receivables and $42.9 million and $81.9 million related to on-balance sheet MyPay receivables. In the three and six months ended June 30, 2025, platform-related revenue included $77.7 million and $142.0 million related to MyPay receivables, which was comprised of 48.2 million and $87.1 million related to off-balance sheet MyPay receivables and $29.5 million and $54.9 million related to on-balance sheet MyPay receivables.

Item 1. Financial Statements (unaudited)

FAQ

What is Chime Financial, Inc.'s mypay — revenue?
Chime Financial, Inc. (CHYM) reported mypay — revenue of $114.8M in Q2 2026.
How has Chime Financial, Inc.'s mypay — revenue changed year-over-year?
Chime Financial, Inc.'s mypay — revenue increased by 47.7% year-over-year, from $77.7M to $114.8M.
What is the long-term trend for Chime Financial, Inc.'s mypay — revenue?
Over 2 years (2023 to 2025), Chime Financial, Inc.'s mypay — revenue has grown at a 371.5% compound annual growth rate (CAGR), from $15M to $333.5M.
What does mypay — revenue mean?
This metric represents the total gross income generated from the MyPay product segment, which provides customers with early access to earned wages. It reflects the adoption and monetization scale of the company's earned wage access services. Growth in this figure indicates increasing user engagement and successful expansion of the company's short-term liquidity product offerings.

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