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Chime Financial, Inc. CHYM Capitalization Of Internal-Use-Software

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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 chym:CapitalizationOfInternalUseSoftware.

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

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

FAQ

What is Chime Financial, Inc.'s capitalization of internal-use-software?
Chime Financial, Inc. (CHYM) reported capitalization of internal-use-software of $1K in Q2 2026.
How has Chime Financial, Inc.'s capitalization of internal-use-software changed year-over-year?
Chime Financial, Inc.'s capitalization of internal-use-software decreased by 100.0% year-over-year, from $3.19M to $1K.
What does capitalization of internal-use-software mean?
Reflects the investment in developing internal software assets that provide long-term economic benefits to the company. Capitalizing these costs rather than expensing them immediately allows the company to match the cost of software development with the periods of its usage.

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