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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:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest.

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
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Total operating expenses573,5511,391,6671,107,7011,840,856
Income (loss) from operations21,322(930,638)67,485(921,501)
Other income, net6,7416,21514,48911,569
Net income (loss) before income taxes28,063(924,423)81,974(909,932)
Provision (benefit) for income taxes213(1,047)668505
Net income (loss)$27,850$(923,376)$81,306$(910,437)
Net income (loss) per share attributable to common stockholders:
Basic$0.07$(7.29)$0.21$(9.44)

Item 1. Financial Statements (unaudited)

FAQ

What is Chime Financial, Inc.'s pre-tax income?
Chime Financial, Inc. (CHYM) reported pre-tax income of $28.06M in Q2 2026.
How has Chime Financial, Inc.'s pre-tax income changed year-over-year?
Chime Financial, Inc.'s pre-tax income increased by 103.0% year-over-year, from -$924.42M to $28.06M.
What does pre-tax income mean?
Total income from all sources — operating income plus non-operating items like interest income, investment gains, and other income — before the provision for income taxes.

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