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Chime Financial, Inc. CHYM Operating Cash Flow

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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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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:NetCashProvidedByUsedInOperatingActivities.

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 itemSix Months Ended June 30, 2026Six Months Ended June 30, 2025
Accrued and other liabilities(45,614)(93,291)
Operating lease liabilities(3,784)(7,773)
Settlements of the product obligation39,224(18,977)
Cash flows provided by operating activities294,9562,743
Investing activities:
Purchase of marketable securities(235,641)(234,050)
Proceeds from sales of marketable securities256,514
Proceeds from maturities of marketable securities292,300123,200

Item 1. Financial Statements (unaudited)

FAQ

What is Chime Financial, Inc.'s operating cash flow?
Chime Financial, Inc. (CHYM) reported operating cash flow of $207.48M in Q2 2026.
How has Chime Financial, Inc.'s operating cash flow changed year-over-year?
Chime Financial, Inc.'s operating cash flow increased by 628.1% year-over-year, from $28.49M to $207.48M.
What does operating cash flow mean?
Total cash generated by or used in core business operations — the single most important cash flow metric for assessing business health.

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